Taking care of healthcare businesses.

With flexible lending options and other financial solutions designed specifically for healthcare businesses, we're here to help your practice and employees thrive.

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Healthcare Business Banking Solutions

Customized for your practice, so you can focus on care.

Healthcare Lending

Keep your business in good health with a tailored loan designed just for your practice. Renovate or expand your facility, add new services, improve operational efficiency, refinance debt, purchase equipment, and more. 

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Treasury Solutions

Simplify your payment processing and improve your cash flow management with our comprehensive suite of healthcare treasury services, designed to keep your practice running smoothly and profitably.

Learn More about Treasury Solutions

Healthcare Banking

Focus on the financial well-being of your practice and staff with banking solutions that go beyond the basics, including high-interest savings accounts, access to 55,000 free ATMs, free credit monitoring tools, and more.

Learn More about Healthcare Banking

Specialized support for your specialty.

Let our experts take care of all your business banking needs.

Medical

Dental

Veterinary

Healthcare Lending

Alleviate your financial stress with a business loan or line of credit.
 

Use funds to:
  • Purchase or lease equipment
  • Renovate or expand a practice
  • Purchase land or real estate
  • Buy out a partner or buy a practice
  • Construct a new building 
  • Refinance debt
  • Increase working capital
 
Borrowing is better with BayFirst.
  • Competitive rates.
  • No commitment or loan origination fees.
  • No prepayment penalties.
  • No balloon payments.
  • Lower down payments.
  • Up to 25-year amoritization

Special rates and terms are available for commercial real estate loans and equipment finance and leasing.

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Treasury Solutions

Focus on your practice and patients while we manage your business finances.
 

Services include:​
  • Cash management services
  • Payment and collection solutions
  • Liquidity management
  • Information reporting
  • Fraud protection tools
  • Commercial interest checking accounts
  • Insured Cash Sweep (ICS) accounts

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Employee Banking

Give your employees special treatment with great accounts and added benefits.


Superior checking accounts:
  • Workplace Advantange Checking accounts for employees
Account holders enjoy no minimum daily balance requirements and pay no monthly services charges.

High-interest savings accounts:
  • High-yield saving accounts
  • Tiered-interest money market accounts

Account features and benefits:
  • Free Online & Mobile Banking
  • Access to 55,000 free ATMs
  • Get paid two days early with Forward Pay
  • Free credit montoring tools

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Why BayFirst?

At Bayfirst we understand the unique challenges healthcare businesses face and provide tailored financial solutions designed to help them thrive. If improving the overall financial health of your healthcare business and employees is a top priority, BayFirst is just what the doctor ordered. We'll deliver the funding and services your business needs, plus expert treatment and personalized care every step of the way.

 

What's Next? Let our experts check up on you.

Connect directly with a dedicated healthcare business banking expert who can answer your questions, determine your specific needs, and help you apply for funding or open an account.

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Still have questions?

Healthcare Solutions FAQ

BayFirst offers tailored loans for a wide range of healthcare practices, including but not limited to, medical practices, dental practices, veterinary clinics, surgery centers, and optometry offices. If you're a healthcare professional, we likely have a solution that fits your needs.

This depends on several factors, including the type of loan, your creditworthiness, and the specific needs of your practice. While our typical healthcare loan amounts range from $50,000 to $5 million, higher loan amounts are considered on a case-by-case basis for eligible borrowers.

Interest rates vary depending on the type of loan, your credit profile, and market conditions. Our rates are very competitive within the healthcare industry.   For the most current rates, please contact our lending team. 

Our standard loan approval process takes between 10-15 business days on average. Approval processing times vary based on the complexity of the application, loan type, and the the speed at which required documentation is submitted by the applicant. Once the loan is approved, closing generally occurs within 30 to 45 days. We strive to process applications as quickly as possible to get you the funds you need without unecessary delay.

Absolutely. Our loans are perfect for healthcare professionals looking to upgrade or purchase new and pre-owned medical equipment.  For new equipment, we offer financing up to 100% LTC/LTV. For used equipment, we offer financing up to 80% LTC/LTV.

We offer up to 7-year terms for equipment that is 5 years old and newer.  For older equipment, we offer 36-month maximum financing terms. Installation costs, sales tax, delivery fees, and other associated costs can be included in the loan request. 

Collateral requirements vary depending on the type of loan and your specific situation. In many cases, the assets being financed, such as medical equipment or real estate, can serve as collateral. Our lending specialists can provide more information.

BayFirst healthcare loans typically do not have prepayment penalties, allowing you the flexibility to pay off your loan early without incurring additional fees. However, specific terms may vary by loan type, so we recommend reviewing your loan agreement and speaking with your lending specialist.

You can get started today by contacting a lending specialist directly. We’ll guide you through the process start to finish.