You need to enable JavaScript to run this app.
Fund growth, staffing, and equipment purchases for medical practices — working capital built around steady patient revenue.
A medical practice with 4+ 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 terms of 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 4+ months operating and $10,000+ in monthly revenue. Reimbursement-heavy deposit patterns are familiar territory for our underwriting.
The top line of a practice management report is gross charges, and underwriting does not read it. Contractual adjustment against each payer's allowed amount, denials under rework and patient responsibility all sit between a charge and a deposit, so a strong production month and a strong collection month are rarely the same month. Hiring runs on the same lag: a new provider is a cash event with months of delay built in, better planned before the start date than after the first tight payroll.
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. We arrange equipment financing through a direct lending partner; what we fund in house is working capital, which can pay for equipment too. Send the vendor quote and we will talk through which fits before anything goes to a partner.
If you’ve been operating 4+ 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.
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.
On what the payers actually paid. Four months of business bank statements show what survived every step between a charge and a deposit, and when it landed. A practice charging well above what it collects will see an estimate built on the smaller number, because the published 80% to 150% of monthly revenue is an estimate taken on what the account received, and the offer itself is set per deal during underwriting.
It can, and the case is cleaner than most hires because the revenue is not speculative, only late. A new provider is generally paid from the start date but cannot bill a payer until credentialed and enrolled with it, on that payer's own timetable. Before the start date, establish per payer whether retrospective billing to the application date is permitted, because that changes how much of the gap you carry.