Medical practices / Refinance

Already carrying an advance? What a medical practice can do about daily debits.

First and second position funding, buyouts of balances up to $100,000, and what the daily-to-weekly change does to your cash flow.

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How medical practices end up with more than one advance

At Merchant Fund Express, we publish the terms and thresholds behind this page so you can check your own numbers before you apply.

Slow claims create the pattern: one advance bridged payroll while an insurer delayed payment, a second covered an equipment deposit. Daily debits now sit beside reimbursements that arrive in batches.

In plain terms: an advance taken while claims were slow to pay, then another to cover payroll during the same lag.

What can be done

First and second position are both funded. Existing positions with a balance of $100,000 or less can be bought out into a weekly-payment term loan or a line of credit, and a line of credit up to $350,000 can sit in second position behind an existing advance. Up to two current positions fit the written guidelines, and some agreements restrict new financing, so read yours first. See MCA refinance and second position funding.

Daily versus weekly, on a medical practice numbers

An illustration, not an offer. Say a medical practice with about $150,000 in monthly revenue has a remaining advance balance of $64,000, being collected over about 60 business days:

Item	Illustration
Daily debit (60 business days)	$1,067
Debited in a 21-day month	$22,400 (15% of monthly revenue)
The same balance as a weekly payment over about 9 weeks	$7,111
Terms of a new schedule	Set in your offer; a lower payment over a longer term is the goal

Use the payoff calculator with your own balance.

What to line up first

Match each balance to the claims it was meant to bridge

Check aging by payer to see where delays sit

Ask for weekly payments aligned with reimbursement weeks

Disclose every open position on the application; it shows on your statements either way.

Medical practices: the full industry guide — Cash flow, calendar and every funding page for this industry.

MCA refinance — Buyouts, second position and the weekly alternative.

Second position funding — More capital without disturbing the first.

Renewals — When a paid-down balance opens better terms.

Existing positions and stacking — How funders read open positions.

Revenue-based financing for medical practices — Payments that follow sales.

Common questions

Can a medical practice get more funding while carrying an advance?

Often. Practices with documented payer remittances and steady deposits can fit up to two positions. Merchant Fund Express shows the exact amount, schedule and total cost in your offer before you sign.

Can an existing advance be bought out?

Where your file and your agreement allow it, balances of $100,000 or less can be bought out into a weekly-payment term loan or line of credit.

Second position or a renewal?

Second position is a new agreement behind the existing one, so you make both payments. A renewal is more funding from the funder you already have, with one payment.

See what you qualify for

Apply with Merchant Fund Express: same-day decision, and applying takes a few minutes without affecting your credit score.

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