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Fund growth, staffing, and equipment purchases for medical practices — working capital built around steady patient revenue.
A medical practice with 3+ months of operating history and $10,000 or more in monthly revenue can access $5,000 to $10 million here, underwritten on patient revenue rather than collateral and repaid over 4 months to 3 years. Practices run on reimbursement timelines they don't control. Production this month becomes cash in 30–90 days, while payroll, rent, and supplies bill on schedule. Add six-figure equipment and the working-capital math gets tight even in a thriving practice.
We fund physician practices, urgent care, chiropractic, physical therapy, veterinary, and other clinical operations: $5,000–$10 million, decisions within 24 business hours, qualified on 3+ months operating and $10,000+ in monthly revenue. Reimbursement-heavy deposit patterns are familiar territory for our underwriting.
Practices typically see 80%–150% of monthly collections, within $5,000 to $10 million. A practice collecting $90,000 a month generally lands in the $72,000–$135,000 band. Because reimbursement arrives on a delay, underwriting reads deposits rather than billings — the two can differ substantially, so expect sizing to follow what actually landed.
No — it’s the norm in your industry and the exact gap this funding covers. Underwriting reads your deposit history as revenue; the lag itself doesn’t penalize you.
Yes. With a vendor quote, big-ticket clinical equipment fits the equipment-financing structure, which usually prices better than general working capital.
If you’ve been operating 3+ months with $10,000+ in monthly revenue, yes — apply and you’ll have an answer within 24 business hours, from a soft credit pull that doesn’t affect your score.
No. A 30–90 day gap between service and deposit is standard in clinical practice and reads as normal industry rhythm. Underwriting sizes on what landed in the account.
Yes — staffing is one of the more common uses. Funding a hire against demand you already have is straightforward; funding one against demand you hope to build is a harder story.