Medstone helps business owners navigate financing for growth, acquisitions, equipment, property and working capital — with healthcare financing as a core specialty.
Submitting an inquiry does not guarantee approval. Financing is subject to lender criteria, documentation and applicable terms.
We help identify financing routes that fit the opportunity.
Know what comes next.
Financing starts with the objective.
Not every file fits one product.
Practical support through the process.
From healthcare practices and CSBFL pathways to working capital, acquisitions and merchant capital, Medstone helps organize the request around what the business needs to accomplish.
Specialized support for clinics, dental practices, pharmacies and other healthcare businesses.
Support for owner-occupied property purchases, refinancing and expansion.
Guidance for eligible Canadian Small Business Financing pathways and participating financial institutions.
Support day-to-day operations, cash-flow timing, inventory and growth-related expenses.
Faster-turnaround working capital for eligible businesses, with some products capable of funding in as little as 48 hours.
Finance essential equipment while preserving cash for operations and growth.
Funding guidance for leasehold improvements, renovations and select construction projects.
Financing options may depend on revenue, operating history, cash flow, credit profile, available security and the purpose of the funds.
For acquisition files, expect questions about the purchase price, buyer contribution, historical financials, industry experience and the post-closing plan.
Equipment can be essential to growth but expensive to purchase outright. Financing can help preserve liquidity while matching payments more closely to the useful life of the asset.
The equipment itself matters, but lenders may also consider business cash flow, operating history, down payment and the useful life or resale value of the asset.
Where mortgage brokering or other regulated activity is required, Medstone may coordinate with appropriately licensed professionals or partners. Final structure is subject to applicable law and lender requirements.
Budgets, contractor quotes, permits, equity contribution, contingency and project timelines may all be relevant depending on the financing route.
Eligibility, maximum amounts, fees, guarantees and permitted uses are determined by the applicable program and participating lender. Medstone does not control program approval.
Faster financing can differ materially in pricing, term and repayment structure. We focus on making those differences clear before a business moves forward.
Professional business plans designed to explain the business clearly to lenders, investors and other stakeholders.
Practical forecasts that help owners understand expected cash needs and present a clearer financial picture for financing, acquisitions and growth planning.
Healthcare is a core specialty, but Medstone’s financing process is designed for a broad range of established and growth-stage small and mid-sized businesses.
Medical, dental, pharmacy, allied health and other professional service businesses.
Businesses managing inventory, renovations, seasonal cash flow or location expansion.
Operating companies financing equipment, vehicles, growth or acquisition opportunities.
Businesses with equipment, renovation, working-capital or property-related needs.
Equipment-intensive operations and businesses with inventory or expansion requirements.
Buyers seeking a structured financing path for a viable established business.
Start with a short inquiry. If there is a potential fit, we move into the information and documentation needed to evaluate financing options.
Share the amount, purpose, business type and timing.
We clarify the business story, financing need and basic eligibility.
Documents are organized and relevant financing channels are identified.
We support follow-up through lender review, approval and closing steps.
“One financing conversation should help you understand the path forward — not send you in five different directions.”
Medstone Capital positioning principle
Medstone is designed for business owners who know what they want to accomplish but may not know which financing structure or provider is the right place to start.
Understand what lenders are likely to ask for.
Match the funding structure to the actual business need.
No promise of approval and no need to disguise trade-offs.
Keep the financing conversation organized from inquiry onward.
You do not need to upload sensitive documents through this public website. The initial inquiry is only the starting point.
Business name, industry and location
Amount requested and intended use
Approximate annual revenue
Years in business
Desired timing
Brief explanation of the opportunity or problem
Business financial statements
Tax returns or notices of assessment
Bank statements
Purchase agreement or letter of intent for acquisitions
Quotes, budgets or project documents
Corporate and ownership information
Do not send sensitive financial documents through the public inquiry form. Secure document collection should occur only after the file is reviewed.
Financing is rarely one-size-fits-all. These answers explain the Medstone process at a high level.
Medstone is positioned as an independent business-financing advisory and referral service. Depending on the opportunity, financing may be arranged through banks, credit unions, government-supported programs, alternative lenders or appropriately licensed partners.
We serve small and mid-sized businesses across Canada — in nearly every industry.
The appropriate amount depends on the financing purpose, business size, cash flow, security, lender criteria and program limits. Rather than publish an artificial universal limit, the inquiry form asks what the business actually needs.
Timelines vary significantly. Some alternative financing products can move quickly, while acquisitions, commercial mortgages, government-supported loans and construction files usually require more documentation and review. Medstone does not guarantee a specific approval or funding timeline.
The website inquiry itself is only an information request. A lender may later require a credit bureau inquiry as part of underwriting, and any such requirement should be disclosed before that stage.
Initially, we ask only for basic information about the business and financing need. If there is a potential fit, additional financial, ownership and transaction documents may be requested through an appropriate secure process.
We’ll help you make sense of government-supported financing options and prepare a strong application.
We work with businesses of every size, from start-ups to established companies. The right financing path depends on factors like your operating history, cash flow, business plan, and goals — and we’re here to help you figure out what fits best.
Yes. Medstone offers business plan writing and cash flow projection support as standalone advisory services or alongside a financing request. The scope can be tailored to the purpose of the plan, the stage of the business and the information available.
No. Financing is subject to lender underwriting, program rules, credit review, documentation and other conditions. Medstone’s role is to help clarify the financing path and support the process.
Real feedback from physicians, clinic directors, and business operators across Canada who partnered with Medstone to structure, negotiate, and fund their commercial financing needs.
“When we were acquiring our second medical facility, the traditional bank underwriting felt painfully slow and bureaucratic. Medstone structured our financing request, aligned the lender requirements with our cash flow, and secured an approval package that let us close without disrupting day-to-day patient operations. Truly indispensable advisors.”
“Upgrading our 3D imaging systems and operatory chairs required significant capital. Medstone found us an equipment financing structure with zero upfront strain on our operational reserves and favorable amortization terms. They understand the financial rhythm of private healthcare practices.”
“Transitioning from leasing our clinic space to purchasing our own commercial premises seemed daunting. Medstone walked us through the entire real estate loan process, required no appraisal delays on our threshold, and helped us secure 100% financing for the property and build-out.”
“Expanding our diagnostic suites involved complex contractor draw schedules and leasehold improvements. Medstone's team knew exactly how to position our file with the lenders, ensuring funding stages were released smoothly on time. They took all the stress out of our expansion.”
“We had no idea where to start with small business loan programs. Medstone Capital walked us through CSBFL step by step and had us funded faster than we expected — now our pizza restaurant is open and thriving in Ottawa. Highly recommend them to any new business owner.”
“Medstone made the financing process feel much clearer. They took the time to understand what I was trying to accomplish and helped organize the next steps in a straightforward way.”
“The process was practical and easy to follow. Medstone understood the needs of a healthcare practice and helped clarify what information would be needed for the financing conversation.”
“As a business owner, I wanted a straightforward process without unnecessary back-and-forth. Medstone helped me understand the options and what I needed to prepare.”
Use one short form for financing, business plan writing or cash flow projection inquiries. We’ll start with the goal and determine the next step.
No obligation to proceed
No sensitive documents required at this stage
Financing and business-advisory inquiries
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The language below is suitable as a conservative website starting point, but final legal and licensing disclosures should be reviewed against Medstone’s confirmed business structure.
Medstone Capital collects information submitted through this website for the purpose of responding to financing inquiries, evaluating potential financing pathways, communicating with prospective clients and, where appropriate and authorized, sharing relevant information with financing providers or professional partners.
Users should not submit highly sensitive documents such as bank statements, tax returns, government identification or full financial statements through the public website form. Those materials should be collected later through an appropriate secure method.
Personal information should be retained only as reasonably necessary for the purpose for which it was collected, subject to applicable legal and business requirements. Individuals may contact Medstone regarding access, correction or privacy questions once the company’s official privacy contact is confirmed.
Information on this website is general in nature and is not a commitment to lend, an offer of credit, legal advice, tax advice or accounting advice. Business plans and financial projections are prepared from client-provided information and assumptions and do not guarantee financing approval or business performance. Financing availability, pricing, terms and approval are subject to lender underwriting, documentation, credit review, applicable program rules and other conditions.
Medstone Capital is presented as a financing advisory and referral service and is not represented on this website as a bank or universal direct lender. Where an activity requires a licence or registration, the activity must be conducted by an appropriately licensed or exempt person or entity.
Product descriptions are illustrative and do not guarantee that a particular financing option will be available to any applicant.
