Funding for medical, dental and allied health practices.
A practice pays its staff, rent and consumables every month, while a large share of its income arrives later, through medical aid claims. Add expensive equipment, and funding that fits the way a practice earns is worth finding.
Checked 21 September 2026
Some funding is built for health professionals.
A few products are made only for registered health professionals, and understand how a practice is paid. Where one is on the panel, it is listed first below. Your registration number and practice number are part of the application.
Equipment and fit-outs
Scanners, dental chairs and a fit-out are long-lived and expensive. Funding them over their working life keeps the monthly cost in line with what they earn. A term loan does that at a fixed instalment, and an unsecured one leaves the equipment free of any claim.
The gap before claims are paid
Medical aid claims are paid after the scheme processes them, so a practice is always partly funding its own patients. A facility you draw on and repay as claims settle is the natural shape. A practice that takes most payments by card at the desk can also repay from those sales.
- Your professional registration and practice number.
- Six months of the practice’s bank statements.
- Quotes for any equipment or fit-out.
Lenders on Frank’s panel for this
These are the panel products that fit a practice: any built for health professionals first, then the funding types that suit equipment, growth and cashflow.
- Revenue-based
- Volatile monthly revenue? Repayment flexes with sales until the cap is hit.
- Term loan
- Term loan — predictable instalment and known cost for a planned growth spend.
- Line of credit
- Flexible headroom for a planned spend that lands in stages rather than all at once.
| Lender and product | Min. turnover | Min. trading | Amount | Security | Card sales | Credit record | Documents | Rate |
|---|---|---|---|---|---|---|---|---|
| Merchant Capital WELL by Merchant Capital Revenue-based | R50k a month | 8 months | R30k to R5m | None | Not needed | Clean record | 6 months’ bank statements | Factor rate 1.08–1.15 |
| Geddes Capital Secured Business Loan Term loan | R167k a month | 12 months | R500k to R15m | Required | Not needed | Some adverse credit considered | 6 months’ bank statements, financial statements | From prime + 2% |
| Pollen Finance Unsecured Business Loan Term loan | R83k a month | 12 months | R100k to R6m | None | Not needed | Some adverse credit considered | 6 months’ bank statements | Flat fee |
| Bridgement Revenue Advance Facility Revenue-based | R100k a month | 6 months | Not published | None | Not needed | Clean record | 3 months’ bank statements | 2–5% a month |
| Merchant Capital Merchant Cash Advance (MCA) Revenue-based | R50k a month | 8 months | R30k to R5m | None | Needed | Clean record | 6 months’ bank statements | Factor rate 1.08–1.15 |
| Lula Cash Flow Facility Line of credit | R40k a month | 12 months | R10k to R5m | None | Not needed | Clean record | 3 months’ bank statements | 2–6% a month |
- Merchant Capital
WELL by Merchant Capital · Revenue-based
- Min. turnover
- R50k a month
- Min. trading
- 8 months
- Amount
- R30k to R5m
- Term
- 1 to 36 months
- Security
- None
- Card sales
- Not needed
- Credit record
- Clean record
- Documents
- 6 months’ bank statements
- Rate
- Factor rate 1.08–1.15
- Speed
- Same day
- Geddes Capital
Secured Business Loan · Term loan
- Min. turnover
- R167k a month
- Min. trading
- 12 months
- Amount
- R500k to R15m
- Term
- 6 to 120 months
- Security
- Required
- Card sales
- Not needed
- Credit record
- Some adverse credit considered
- Documents
- 6 months’ bank statements, financial statements
- Rate
- From prime + 2%
- Speed
- 1 week
- Pollen Finance
Unsecured Business Loan · Term loan
- Min. turnover
- R83k a month
- Min. trading
- 12 months
- Amount
- R100k to R6m
- Term
- 6 to 8 months
- Security
- None
- Card sales
- Not needed
- Credit record
- Some adverse credit considered
- Documents
- 6 months’ bank statements
- Rate
- Flat fee
- Speed
- 24 hours
- Bridgement
Revenue Advance Facility · Revenue-based
- Min. turnover
- R100k a month
- Min. trading
- 6 months
- Amount
- Not published
- Term
- 3 to 9 months
- Security
- None
- Card sales
- Not needed
- Credit record
- Clean record
- Documents
- 3 months’ bank statements
- Rate
- 2–5% a month
- Speed
- 24 hours
- Merchant Capital
Merchant Cash Advance (MCA) · Revenue-based
- Min. turnover
- R50k a month
- Min. trading
- 8 months
- Amount
- R30k to R5m
- Term
- 1 to 12 months
- Security
- None
- Card sales
- Needed
- Credit record
- Clean record
- Documents
- 6 months’ bank statements
- Rate
- Factor rate 1.08–1.15
- Speed
- Same day
- Lula
Cash Flow Facility · Line of credit
- Min. turnover
- R40k a month
- Min. trading
- 12 months
- Amount
- R10k to R5m
- Term
- Not published
- Security
- None
- Card sales
- Not needed
- Credit record
- Clean record
- Documents
- 3 months’ bank statements
- Rate
- 2–6% a month
- Speed
- 24 hours
These are each lender’s published minimums, not approvals. Every lender on the panel, side by side
Questions
Established practices borrow for equipment, fit-outs and second rooms regularly. A brand-new practice with no trading history is harder: most lenders want months of bank statements first.
Yes. Some products are only for registered health professionals. When one is on Frank’s panel it appears first on this page, with its rules.
Yes, with a term loan that spreads the cost over the years the equipment will earn. Frank’s panel doesn’t offer asset finance, where the equipment itself is the security, so the options below are loans.
Related
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