Lexington KY working capital loans

Yes—Lexington ASC owners can secure working‑capital loans with a 550‑point FICO if revenues exceed $5M and DSCR >1.25.

See the rate you qualify for in 2 minutes—no credit‑score hit.

The specifics

With the 2026 ASC landscape, working‑capital loans for Lexington centers generally feature 12–60‑month terms and APRs of 8–15%【CrestmontCapital】. A DSCR of at least 1.25× and a gross monthly revenue of 8–12% of the loan principal ensure affordability【CrestmontCapital】. Lenders favor a 70%+ occupancy rate and 3–6 months of cash reserves【HealthCareFinanceNews】. Typically, 15–20% of the loan amount is required as a down payment, especially if equipment or real‑estate collateral is provided【CrestmontCapital】. Approval timelines range from 30–45 days, with soft‑pull credit checks that preserve your score【CrestmontCapital】. For those with a FICO 620–679, rates may be 3–5% higher than for good credit borrowers【BiggerAffordability】.

Use the affordability calculator to estimate monthly payments or consult the affordability guide for deeper insight into cost‑effectiveness.

For a deeper dive into Lexington medical equipment financing options, see the medical equipment financing page.

Qualification & edge cases

If your DSCR falls below 1.25× or annual gross revenue is under $5M, borrowers may need to provide additional collateral or secure a higher‑interest rate. Borrowers with a FICO above 740 can often lock in the low end of the 8–10% APR range, while fair‑credit borrowers may face 9–12% APRs and a 3–5% rate premium【CrestmontCapital】. An additional 1–3% origination fee applies, but better credit can reduce this cost. Repairing cash‑flow issues before applying—by trimming expenses or boosting occupancy—can improve your qualification.

Background & how it works

The ASC market is set to grow, with a 2026 report forecasting a 15% compound annual growth rate for outpatient surgical centers【FutureMarketInsights】. Rising patient volumes, coupled with lower Medicare reimbursement rates, push centers toward more efficient capital structures【ASC News】. Working‑capital loans provide liquidity for equipment upgrades, staffing expansions, or workflow improvements, enabling facilities to maintain quality care while staying financially resilient. These loans also help smooth seasonal revenue fluctuations, ensuring operational continuity throughout the year【MedPAC】.

Bottom line

Lexington ASC owners can secure working‑capital loans with fair credit scores, modest revenue thresholds, and standard DSCR requirements. Apply now to see an instant rate offer—no impact on your credit score.

Disclosures

This content is for educational purposes only and is not financial advice. surgerycenterfinancing.com may receive compensation from partner lenders, which may influence which products are featured. Rates, terms, and availability vary by lender and applicant qualifications.

Sources

• CrestmontCapital
• ASC News
• FutureMarketInsights
• HealthCareFinanceNews
• MedPAC
• FinancingMedicalEquipment.com