Claims stuck with payers while payroll is due? We look at your deposit history, not your aging report, and lay out a clear offer before you commit.
Check My OptionsWorking capital for practices
Slow payers are a normal part of running a practice. Working capital sized to your real deposits lets you keep staff paid and supplies stocked while claims work their way through.
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.
A 5-minute application and about three months of bank statements. No tax returns, and qualified practices can be funded in as little as 24 hours.
FICO 500+ is considered. Steady payer and patient deposits carry real weight in how we read your practice.
Your offer shows the total repayment amount before you accept. No surprise costs appear after you sign.
The repayment schedule is spelled out in the offer, so you can line it up against your typical reimbursement cycle.
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.
Most practices do not have a revenue problem. They have a timing problem. Visits get coded, claims get submitted, and then the practice waits while payers review, request records, or deny and reprocess. Payroll, rent, and supply orders do not wait with you.
We built our working capital review for exactly this kind of gap. We look at how money actually moves through your business bank account, not at a projection of what insurers should pay next quarter.
There is no single cutoff that decides a file. Instead, a reviewer reads the pattern in your statements and asks a few questions:
None of these is a pass or fail on its own. They are weighed together, along with credit, and FICO scores from 500 up are considered.
The paperwork is light on purpose. Plan on about three months of business bank statements and a 5-minute application. We do not require tax returns, and the first step is a soft credit pull. Sole proprietors, including solo clinicians, can apply.
If you are curious how a revolving option compares for a practice, our page on a business line of credit for medical practices walks through it, and the medical practice cash flow guide covers the timing side in more depth.
Practices typically put this kind of capital toward payroll for clinical and front-desk staff, supply reorders, a billing service or clearinghouse upgrade, or simply a cushion so a denied batch does not force hard choices. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.
Every offer shows the full repayment amount and the schedule before you accept, so you can match it to your realistic reimbursement cycle. When you are ready, start your application.
No. We review your overall business bank deposits rather than buying or lending against individual claims, so the amount reflects how your practice actually brings in money.
It can matter if it shows up as uneven deposits. Reviewers look at the whole pattern, so a practice working through denials but still depositing steadily is read in that context.
Tax returns are not required. About three months of business bank statements and a short application are the starting point.
Yes. Sole proprietors can apply, and the review works the same way: deposits, existing obligations, and credit with FICO 500+ considered.
Decisions move quickly, and qualified businesses can be funded in as little as 24 hours after approval and signed paperwork.
Example uses for illustration only.
A few habits make a practice's file read more clearly to any funder.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding