The best MCA for a medical or dental practice accounts for insurance reimbursement lags, patient-pay deposits and equipment needs. Look for funders that read both insurance and patient deposits, offer weekly or reconcilable payments and state total cost clearly, and compare equipment financing for major purchases.
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Practices often have strong revenue but uneven timing, because insurance reimbursements arrive weeks after services while payroll, rent and supplies are due now. An advance can bridge that gap if it is structured around how practices are paid.
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.
Advances, lines of credit and second-position options in one place.
Approved files are usually funded the next business day.
A person reviews your revenue, time in business and bank activity, often within hours.
A human reads the file, not just an algorithm score.
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.
Provider details summarize each company’s public website, checked October 2026. Terms change; confirm directly.
Understand how deposits are read. Practice revenue arrives from insurance payers, government programs and patient payments by card. Funders that review several months of statements see the full mix. Explain any payer delays or one-time reimbursement backlogs so underwriters do not mistake timing for decline.
Match the product to the need. For a timing gap while reimbursements catch up, a short-term advance or line of credit fits. For major equipment such as imaging machines, dental chairs or lasers, equipment financing over the asset life usually costs less and matches payback. Some practices use both.
Payment structure matters. Weekly payments timed after major payer deposits, or a reconciliation clause that adjusts payments if collections dip, fit practices better than fixed daily debits.
Consider compliance and privacy. Funders reviewing practice statements should not need patient health information; bank statements and business documents are enough. Avoid sharing protected health information in the funding process.
Plan for growth phases. Opening a second location, adding a provider or launching a new service line often requires working capital before revenue ramps. Size funding to the ramp-up period and keep a reserve for slower reimbursement cycles.
Our list below summarizes each company from its own public website; MFE considers credit from 500 and works with healthcare practices.
Practices changing billing companies or payer contracts should mention it during underwriting. Transitions often cause a temporary dip in reimbursements that looks like declining revenue on statements; a short explanation with the effective dates prevents a misread.
Here is a practice advance bridging a reimbursement gap. Illustrative numbers.
| Amount funded | $60,000 |
| Factor rate | 1.30 |
| Total payback (amount × factor) | $78,000 |
| Fees deducted at funding (4%) | $2,400 |
| Net cash you receive | $57,600 |
| Weekly payment over 40 weeks | $1,950 |
| Same total as daily debits (~200 business days) | $390/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Deposit mix | Insurance, government programs, patient pay |
| Need type | Timing gap vs. major equipment |
| Payment structure | Weekly or reconcilable |
| Privacy | No patient health information needed |
| Growth phases | Fund ramp-up, keep a reserve |
Good fit:
Probably not yet:
One that reads insurance and patient deposits, offers flexible payments and states total cost.
Equipment financing usually fits major equipment better.
No, bank statements and business documents are enough.
Look for weekly schedules or reconciliation clauses.
Yes, dental practices face similar reimbursement timing.
From each company public website, checked October 2026.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
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