From 4 to 15 years, monthly payments only














Pre-qualify in minutes

Capital solutions for your business, simplified.
  • Receive your bank wire in 3 days
  • Preserve your sources of capital
  • No fixed payment
  • No fixed term
  • It's easy and convenient
  • Minimum FICO Score 620
  • We pay off tax liens
  • Past bankruptcy OK

Doctor Working Capital is composed of a group of highly experienced and seasoned, certified, financial professionals. With our knowledge and expertise, we can usually find a solution for all your financing needs. Unlike a bank or local lending institution, which only lend to the most credit-worthy businesses, with its relationships with national lenders, can usually find you the financing you need.

Please contact us today for free, no-obligation analysis of your financing needs. A member of our professional staff will contact you to discuss your business' short and long term financial needs.

Whether you need to get new equipment, finance your accounts receivable, raise working capital, or acquire a company, Doctor Working Capital can do it all.

Doctor Working Capital Financing Types

Click on the links to see how Doctor Working Capital can help with financing.

Equipment Leasing
SBA Loan Program
Accounts Receivable Financing
Specialty Truck Financing
Medical Working Capital Loans
Commercial Bridge Loans
Debt Restructuring
Business Acquisition Financing
Church Financing Program
Credit Card Receivable Financing / Visa / Master Card

One of the biggest obstacles that health care professionals come across is purchasing expensive equipment. This is why we have developed the Equipment Financing Program. Doctor Working Capital's experienced staff has the skills to develop aggressive financial structures and the competitive pricing to ensure that your next equipment purchase has the best options available.

Equipping Your Success
While most lenders will only finance 75% to 90% of your purchase, Doctor Working capital has the ability to finance 100% of your equipment purchase, new or used. With a cap at $1 Million per purchase, plus the resources to finance even the highest priced equipment. This means that you can have the equipment that you need to propel your practice to unprecedented success.

Just In Time
As a candidate for our Equipment Financing Program, we can approve you within 24 hours and have the equipment in your hands within a week, and in some cases, as soon as 48 hours. The sooner you apply, the sooner you can equip your practice!

SBA Loan Program

We are a nationally recognized company helping entrepreneurs achieve their business goals. We have been designated as a Preferred Financial services company by SBA lenders to have loans processed more quickly and efficiently than many others.

There are a number of advantages to an SBA loan, including longer terms, no points and no balloon payments.

Who is Eligible for an SBA Loan?

Most for-profit small businesses are eligible for an SBA guaranteed loan. This includes manufacturers, wholesale, retail and service businesses as well as independent or franchise businesses.

Loan Qualifications

SBA 7(A) Loan Size $150,000 to $2.0 million

Loan Fees

Use of Proceeds

Start-up (All Franchises, Motels, Restaurants, Gas Stations and C-Stores)

Accounts Receivable Financing

Doctor Working Capital is a premier national lender providing financing to small to medium sized businesses nationwide.

Unlock the Cash Tied Up in Your Receivables.

Accounts receivable financing, or Factoring, is the purchase of accounts receivable invoices at a discount. If you sell your products or services to businesses that pay in 30, 60, 90 days or more, Doctor Working Capital. has a liquidity solution for you. We can finance companies that are start-ups, losing money, or in bankruptcy because accounts receivable financing is based on your customer’s credit, not yours. This is not a “debt.” You are selling an asset. But it is more than just an asset sales; it is like outsourcing your accounts receivable department. Factors provide valuable services. They check your customer’s credit for you and notify you of bad risks and they provide detailed monthly statements. Qualifying accounts even get free credit insurance.

Use The Money To…

This Will Be Great For Your Business

Vehicle Financing

Guaranteed funding for the following equipment:

  • Aerial Sign Truck
  • Boom Truck
  • Chipper Dump Truck
  • Concrete Mixer
  • Concrete Pump
  • Crane Truck
  • Digger Derrick Truck
  • Dump Truck
  • Flatbed Truck
  • Fuel/Lube Truck
  • Garbage Truck
  • Grapple Truck
  • Mechanic’s Truck
  • Refine Fuel Delivery Truck
  • Roofing Truck
  • Sewer & Septic Truck
  • Vacuum Tank truck
  • Van Body Delivery Truck
  • Water Truck
  • Water Well Drilling Truck
  • Yard Tractor
  • Pick-up Trucks
  • Tow Trucks

Aviation Support:

  • Ground Support Equipment
  • Above Ground Fuel Tank
  • Aircraft Refueler Truck

    We have eight programs that give guaranteed funding for the above equipment. We can structure repayment terms of up to 6 months regardless of past credit history

Automatic Approval!

Your church can be automatically approved for a loan to purchase the equipment you need now.

We can finance pews, air-conditioning and heating systems, organs sound and video equipment, pianos, computers, or just about any type of equipment your church needs.

We offer low rates and up to 60 months to repay.

Our Church Equipment Finance Programs

We offer three specific programs so that every church nationwide can qualify to get financing for any equipment their growing church needs. Below is a list and a brief description of each program and what a church would need to qualify for that specific program.

Established Church Program

• Church must be established for 7 years or more if the church is part of a major denomination. 15 years or more if the church is non-denominational.
• Church must maintain a minimum average bank balance of $7,000 or more. Combined accounts will qualify example; checking + savings.
• Church must be listed with directory assistance.

Newer Church Program

• Church must be established for 2-5 years or more.
• Church must maintain a minimum average bank balance of $2,500 or more. Combined accounts will qualify, example: checking + savings.
• Church must be listed with directory assistance.

Start-Up Church Program


• Any church that has been established less than 2 years.
• Church must maintain a minimum average bank balance of $2,500 or more. Combined accounts will qualify example: checking & savings.
• Church must be listed with directory assistance.

  • Loans ranging from $15,00 to $250,000
  • Very Competitive Rates
  • Up to 84 months to Repay
  • Credit Approval in 48 hours from Application Submission
  • Funding Within 5 days of Receipt of Signed Documents
  • Programs for Medical Professionals with Damaged Credit

Types of Medical Professionals We Can Finance:

  • Board Certified Internists
  • Dermatologists
  • Maxillofacialists
  • OB/GYN’s
  • Orthopedic Surgeons
  • Pediatricians
  • Plastic Surgeons
  • Cardiovascular Surgeons
  • General Surgeons
  • Neurosurgeons
  • Ophthalmologists
  • Oral Surgeons
  • Periodontists

“Ologists” of all types, as well as Dentists, Family Practitioners, General Practitioners, MD’s, Osteopaths, Psychiatrists, Veterinarians.

The proceeds of these loans can be used for almost any purpose.

  • Personal Needs
  • Debt Consolidation
  • Practice Expansion

Just About Anything.

Please contact us today and we will forward you an application or, if you prefer, one of our qualified professionals will contact you with all of the details.

Heavy Equipment & Yellow Iron:

  • Agricultural Equipment
  • Backhoe
  • Lift Equipment
  • Bulldozer
  • Chipper
  • Cranes
  • Drill Rig
  • Excavator
  • Motor Grader
  • Motor Scraper
  • Paving Equipment/Curbers
  • Logging/Forestry
  • Piggyback Forklift
  • Rough Terrain Forklift
  • Skid Steer Loader
  • Skidder Grapple
  • Stump Cutter
  • Wheel Loader
  • Water Wagon

Commercial Trailers:

  • Cement Silo
  • Drop Deck
  • Dump
  • Flatbed
  • Lowboy
  • Propane
  • Pup & Tandom
  • Rool-off
  • Tank Car Carrier
  • Rooter
  • Van Body


Commercial Bridge Loans

Many times a company is approved for a loan through its bank, or financial institution, but the loan doesn’t close for 4-6 months. During that time, we can provide a short-term bridge loan, which will be paid back when the senior loan closes, so your short-term financial needs can be met.

We can also provide other types of short-term collateralized loans and can usually close in 10 days or less.

Debt Restructuring

Growing companies enter into loan agreements to pay for equipment needed to expand their businesses. Loans have different maturities and in most cases, the companies have built in equity in the equipment. We will pay off all your lenders and refinance all your equipment into one loan.

This can result in reduced payments of 30% or more, so your cash flow and bottom line are greatly improved.

Example of a recent transaction:

A manufacturing company had combined monthly payments of $28,000 per month and showed a modest $10,000 a year in profits. We were able to refinance all their loans and reduce their monthly payments to $16,000 per month. Their bottom line was increased by a whopping $144,000 per year!

Contact us today to see if we can do the same for your company.

Business Acquisition Financing

Doctor Working Capital is a specialist in providing you with the necessary capital to fund any company you wish to acquire.

Services we provide:

• Analysis of the purchase price. We determine if the purchase price can be supported, based upon the cash flow of the acquired entity.
• We do an in depth analysis to determine whether the purchase price is within the standards of the industry.
• Financing to purchase the company. We do this by leveraging the existing assets of the company to the maximum amount based upon cash flows available, keeping your cash requirements to a minimum.
• We can also provide the equity necessary should there be a cash shortfall between the financing and the cash you are putting into the transaction.

  • Retail and service businesses with sales (3-year average) not exceeding $6 million to $20 million, depending on the industry
  • Wholesale businesses with employees up to 100 regardless of sales volume
  • Manufacturers with employees up to 500 depending on the industry, regardless of sales volume
  • Loan packaging fee: $750 to $2,000
  • Fee is based on loan size, it is collected at the time of loan submission; refunded if declined by credit
  • SBA guaranty fee: 1.70% to 2.60% of the loan among
  • Fee can be financed in the loan
  • Commercial real estate (purchases, construction, or refinance)
  • Leasehold Improvements
  • Business expansions
  • Machinery, equipment, furniture or fixtures
  • Business acquisition
  • Working capital (offered in conjunction with some of the above)
  • Cash in 24 Hours
  • No Personal Guarantees
  • We Finance Any Type of Business
  • No Recourse Even if the Account Does Not Pay
  • Credit Insurance on Your Clients At No Cost To You
  • No Arbitrary Loan Board Decisions, No Fixed payments
  • As sales and Receivables Increases, Funding Increases Focus On Your Business, Not Collections
  • Fund Payroll or Other Operating Expenses
  • Purchase Inventory to Take Advantage of Bulk/Early Payment Discounts
  • Fund Expansion and Growth
  • Respond to Seasonal Demands and Opportunities
  • Take on That Large New Account with Confidence
Please contact us today for free, no obligation analysis of your financing needs.