Healthcare
Capital for the care your patients deserve.
Fast funding for healthcare businesses in Florida. Apply in 60 seconds.
Why Healthcare Businesses Need Funding
The real challenges healthcare owners face
Medical Equipment Costs
Diagnostic imaging, dental chairs, surgical tools, and laboratory equipment require major capital investment with useful lives of 10–20 years.
Insurance Reimbursement Delays
You deliver care today. Insurance pays in 60–120 days. The gap creates constant cash flow pressure on even well-run practices.
Office Expansion and Build-Out
Adding exam rooms, upgrading waiting areas, or opening a second location all require build-out capital before additional revenue materializes.
Compliance and Technology Upgrades
EHR systems, HIPAA compliance infrastructure, and telehealth platforms represent significant and unavoidable technology costs.
Luma Funding Options for Healthcare
The right product for the right moment
Equipment Financing
Up to $500K
Finance medical devices, diagnostic equipment, and clinical tools with the equipment as collateral.
Learn More →Business Loans
$10K–$500K
Fixed-term loans for office expansions, compliance upgrades, and technology investments.
Learn More →Expanding to a second exam room felt financially impossible until Luma structured an equipment financing deal that fit our collections cycle perfectly.
Dr. Amanda K.
Family Medicine Practice
Orlando, FL
$120K equipment financingaverage insurance reimbursement delay
average medical imaging equipment cost
average Luma funding time
FAQ
Questions about funding your healthcare business
Yes. Luma requires a valid state medical or professional license, active malpractice insurance, and evidence of billing activity. Our advisors understand the healthcare funding landscape.
Yes. Business loans and cash advances can be used for any legitimate business expense including hiring, salary coverage, and staffing agency fees.
We understand that healthcare revenue often comes 60–120 days after services are rendered. We evaluate your practice based on monthly collections, not cash on hand.
Practices with 6+ months of operating history qualify for most products. Newer practices may qualify for smaller amounts with strong personal credit.
Luma does not audit HIPAA compliance as part of underwriting, but your practice must be actively licensed and operating legally in Florida.
Get funded for your healthcare business
Florida's fastest funding for healthcare owners. Apply in 60 seconds.