Merchant Fund Express
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Industry

Medical practices funding by state and city

Insurance reimbursement on 30-90 day terms alongside same-day copays.

Apply NowDo I Qualify?

✓ Checking what you qualify for does not affect your credit score.

47States
500sScores placed
$10K–$350KRange
Same dayDecision

Why medical practices qualify

Medical practices are classified under Offices of Physicians, an eligible category.

Insurance reimbursement on 30-90 day terms alongside same-day copays.

What the capital is normally for

In practice: equipment, EMR, an associate hire, build-out, practice acquisition.

Q1 and Q4 lift as deductibles reset and expire.

The published thresholds

Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.

Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.

Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.

The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.

Line of credit $10,000 to $350,000, from 1% per month on the drawn balance, 2.49% per draw
Term loan $10,000 to $250,000, 0% origination, weekly payments
MCA refinance $10,000 to $100,000
Same-day decision, next business day funding on a complete file
Funding in all 50 US states.

Questions

Do you fund medical practices?

Yes. The category is eligible.

What credit score is needed?

The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.

How fast can funding arrive?

Same-day decision, next business day funding on a complete file.

See what you qualify for

Same-day decision. Applying takes a few minutes and will not affect your credit score.

Apply Now →

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