Working capital for medical practices

The claim is clean. The payer takes 45 days. We fund the visit now.

Insurance receivables, credentialing delays, a new associate's ramp and equipment that costs more than a year of rent — practice cash flow is predictable and slow. We size funding to the receivables already on the books.

Size a request to the practice See how it works for practices

Sized to receivables and payer mix
Decisions in 24–48 hours from statements
Every cost in dollars before signing

The medical cash cycle

Where the money is, and when it isn't.

Day 0
Visit

The service is delivered; the claim is coded and submitted within days.
Day 14–45
Adjudication

Commercial payers remit in 30–45 days, Medicare ~14, Medicaid longer; denials restart the clock.
Day 60–90
Patient balance

Co-pays at the desk; the rest billed after the EOB, collected over 60–90 days.
60–120 days
Credentialing

A new provider bills nothing for 60–120 days while payers credential them.
Once a decade
Equipment

A CBCT, an ultrasound or a dental chair is $40,000–$250,000 and lasts a decade.

Situations we fund

What practice owners come to us for.

Every situation

How it works for medical

From the gap to funded, in four steps.

The whole process

3 minutes
Tell us the practice and the gap

Specialty, collections, what is coming. Three minutes, no credit pull.
Same day
Send statements and the aging report

Bank statements show deposits; the A/R aging shows the receivable the funding sits against.
24–48 hours
Compare advance, practice line and equipment financing in dollars

Amount, total payback, remittance, APR-equivalent beside any factor rate.
A business day after signing
Fund and remit as the payers do

Funding usually within a business day of signing; weekly remittance sized to collections.

Worked examples

The numbers, in your units.

Worked example

Funding a new associate through credentialing

A two-dentist practice adds an associate at $14,000 a month. Payers take 90 days to credential; the associate's production ramps to $55,000 a month by month four, collected at 62% net of adjustments.

The gap
Associate cost during credentialing (3 months)	$42,000
Added overhead (assistant, supplies)	$15,000
Collections from the associate, months 1–3	$0
Gap to cover	$57,000

The funding
Advance	$60,000
Factor rate	1.21 (≈ 40–45% APR-equivalent over 6 months)
Total payback	$72,600
Remittance	$2,780 per week, 26 weeks
Cost of the bridge	$12,600

The bridge, day by day

Month 0
The associate starts

$14,000 a month in salary
Day 5
Funded

$60,000 advance lands
Months 1–3
Credentialing

Producing, but billing nothing yet
Month 4
Claims flow

Production ramps to $55,000 a month
Month 6
Remittance complete

$72,600 delivered over 26 weeks

What it costs, in dollars Illustrative · not an offer
Option	Amount	Factor rate	Total payback	Cost	APR-equivalent	Term
Advance sized to the gap$2,780 per week, 26 weeks	$60,000	1.21	$72,600	$12,600	≈ 42%	6 months
Bank practice line of creditAbout a third of the cost; six weeks to open	$60,000	—	—	≈ $4,200	≈ 14% APR	6 months

APR-equivalent = cost ÷ amount ÷ months × 12, so a factor rate can be compared with a loan's APR. Your terms depend on deposits, time in business and open positions; every option you receive is quoted as total payback in dollars.

What the numbers say. By month six the associate collects about $34,000 a month against a $14,000 salary. A practice line of credit at a bank would cost a third as much and take six weeks; if the practice has one, use it. If not, this is the bridge.

What a partner looks at

What a file from a medical business needs to show.

Merchant cash advance: A purchase of a fixed amount of future receivables, remitted daily or weekly. Fast, sized to the remittance, and worth understanding fully before you take it.
Funding in 1–3 days
Revenue-based financing: Remitted as a percentage of revenue, so slow weeks remit less. Suits seasonal trades and lumpy receivables.
Up to 12–18 months
Equipment financing: The equipment secures the financing, which usually means lower cost and longer terms than unsecured capital.
Terms of 2–7 years
Business line of credit: Draw what you need when the gap opens and pay for what you use. The right tool for a recurring gap, not a one-off.
Revolving

Published minimums

What a partner needs to see

Time in business: 6+ months; established practices qualify for more
Monthly collections: $30,000+ on average
Payer mix: Commercial and Medicare receivables strengthen the file
Existing positions: Practice loans and equipment notes are fine; open advances are reviewed
Credit: 550+ FICO considered; collections weigh more

Close but not quite? Ask. Deposits and what is on its way matter more than any single line.

Check your fit

Questions practice owners ask

Plain answers before you talk to anyone.

Guides for practice owners, answer first.

The first guides are being reviewed and will appear here shortly.

Bring us the location. We'll bring the numbers.

Start with the amount and the date it is needed. No obligation, no credit pull to begin.

Size a request

The claim is clean. The payer takes 45 days. We fund the visit now.

Where the money is, and when it isn't.

Visit

Adjudication

Patient balance

Credentialing

Equipment

What practice owners come to us for.

A new associate's credentialing gap

Equipment that pays for itself

Bridging a payer delay

A second location or a partner buy-in

From the gap to funded, in four steps.

Tell us the practice and the gap

Send statements and the aging report

Compare advance, practice line and equipment financing in dollars

Fund and remit as the payers do