Program Advantages

When you choose a working capital loan from NCMIC, you can expect cash for your business to arrive quickly. Plus, you'll experience the fair and honest terms you deserve from a company you trust. 

Access to cash in 24 Hours or Less

Loan amounts of $5,000 and up are available. You can receive your money in 24 hours or less via ACH transfer to your bank account.

Express Applications & Approvals

Our short express application can be completed in just a couple of minutes and credit decisions are typically made by NCMIC within 2 hours or less.

Flexible Terms

Choose repayment terms of 12, 24 or 36 months ... flexible to meet your needs.

No Collateral

Money can be used for any general business expense and no collateral is required.

No Hidden Fees or Prepayment Penalties

NCMIC prides itself on helping doctors build and grow their practice. We offer honest terms with no hidden fees.  Plus, you can pay off your loan whenever you'd like, without any prepayment penalties.

Working Capital Loans


New Loans
800-915-3007 ext. 5130

Existing Loans

Working capital loans offered by NCMIC Finance Corporation are subject to credit approval, are for business purposes only and may not be used for personal, family or household purposes. Minimum loan amount is $5,000. A $200 documentation fee is required. When original or electronic signed loan documents are received by 2 p.m. CT, funding can be sent same-day via ACH. Your financial institution may not allow access to funds until the following day.