Medical practices / New business
The published time-in-business tiers and the bank-account habits that make a young file readable.
✓ Checking what you qualify for does not affect your credit score.
At Merchant Fund Express, we publish the terms and thresholds behind this page so you can check your own numbers before you apply.
A new practice is read on named payer deposits and patient payments. Reimbursements from insurers on a repeating schedule, with payroll debits steady relative to them, show a functioning billing cycle.
Funding is for businesses that are earning. The published tiers start at six months in business; the strongest tier asks for three years and a 650 FICO. The minimum FICO is 500, and the better your credit, the better your offer.
| Stage | Published |
|---|---|
| Strongest tier (line of credit, term loan) | 3+ years, FICO 650+, $300,000 a year or $25,000 a month average |
| Second tier | Built for files that miss the first tier; published floor from 6 months in business |
| Renewals | 2 years, FICO 550, once 50% of the original balance is repaid |
See the published requirements line by line, or check where your file lands; checking does not affect your credit score.
For a medical practice, the weakness we see most is billing problems that delay claims for months while payroll continues.
Possibly at six months in business, depending on how many payer cycles are visible. Merchant Fund Express shows the exact amount, schedule and total cost in your offer before you sign.
The minimum FICO is 500, and the better your credit, the better your offer. The published tiers use 650, 600 and 550 as product criteria rather than a floor.
Checking what you qualify for does not affect your credit score.
Apply with Merchant Fund Express: same-day decision, and applying takes a few minutes without affecting your credit score.
