FICO 500+ considered. We focus on your practice's reimbursements and patient payments. Apply in 5 minutes with a soft credit pull.
See My OptionsPractice Funding, Lower Credit
Funding from $25,000 for payroll, supplies, billing help and equipment. About three months of statements, no tax returns, and a clear offer before you accept.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Five minutes to apply and three months of statements. No tax returns.
Past credit trouble is weighed against how your practice performs today.
Your offer shows the full repayment amount before you accept, with no surprise costs after signing.
Your payment schedule is laid out in the offer from the start.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Medical school debt, the cost of opening a practice, a divorce or a year of slow reimbursements can all leave marks on a credit report. None of that changes how many patients you see or how reliably your payers remit. Merchant Fund Express considers FICO scores of 500 and up and puts real weight on what your business bank statements show.
When the score is lower, the practice's cash flow does more of the talking. Funders generally look at:
These factors are weighed together. A lower score is not an automatic decline, and a strong one is not an automatic yes. Our medical practice qualification guide explains more.
A merchant cash advance and revenue-based financing are built mainly around revenue, which can suit practices with credit challenges. Working capital and equipment financing may also fit, depending on the need.
Complete the 5-minute application. It starts with a soft credit pull, so checking your options does not affect your score. Send about three months of business bank statements; no tax returns are required. Your offer shows the full repayment amount and schedule before you accept, and funding can arrive in as little as 24 hours for qualified businesses.
The best use of funding with weaker credit is something that steadies or grows collections: a billing specialist to cut claim denials, payroll coverage during a payer delay, or supplies for a busy season. Requesting a focused amount your deposits can support makes repayment comfortable and builds a better track record.
FICO scores of 500 and up are considered, weighed alongside your deposits and existing obligations.
No. We start with a soft credit pull, which does not affect your score.
Yes. Personal debt is part of the picture, but the review leans heavily on how your practice's business account performs.
No. About three months of business bank statements is usually enough to start.
Funding ranges from $25,000 to $5,000,000, depending mainly on deposits and current obligations.
Funding is not a credit repair tool, and we make no promises about your score. What it can do is keep the practice stable, which helps you stay current on other bills. Repaying on schedule and keeping your business account healthy also strengthens future funding requests.
Example uses for illustration only.
Honest steps that can help a practice with weaker credit.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding