The best business loan for a medical practice is typically a short-term working capital loan tailored to your practice’s revenue and growth needs. Unlike traditional bank loans that require years of financials, perfect credit, or heavy collateral, working capital loans are based mainly on your recent deposit history and time in business. If your practice deposits $10,000 or more monthly, has been operating at least 3 months, and you have a FICO score of 450 or higher, you can qualify. This flexibility allows you to fund everything from staffing, equipment, expansion, technology upgrades, or emergency expenses quickly — often in as little as 24 to 48 hours. It's a fast, low-hassle option designed for the real-world needs of medical professionals.