Merchant Fund Express
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Emergency Funding for Medical Practices

When a flood, outage, payer freeze or staffing loss hits, get working capital moving fast. Funding in as little as 24 hours for qualified practices.

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Urgent Practice Funding

Keep the doors open while you fix the problem

A short application, a soft credit pull and a fast decision. Your offer shows the full cost before you accept, even when time is tight.

As fast as
24 hours

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.

What you get when it is urgent

Speed without a pile of forms

5-minute application and about three months of statements. No tax returns. Funding in as little as 24 hours for qualified practices.

Credit that is not perfect

FICO 500+ considered. We look at deposits too, and checking options starts with a soft pull.

No guessing on cost

The full repayment amount appears in your offer before you accept. No surprise costs after you sign.

A schedule you can see

Your repayment schedule is in the offer up front, so you can plan the recovery with real numbers.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Emergencies in a practice rarely announce themselves

A pipe bursts over the weekend and two exam rooms are out of service. A clearinghouse outage stops claims for weeks. A major payer pauses payments during a credentialing review. Your office manager leaves without notice and you need a temp agency on Monday. None of these show up in a budget, and all of them need cash right away.

The practices that come through these weeks in decent shape are usually the ones that act early instead of waiting to see if the problem resolves itself.

First, figure out what you actually need

Before applying, write down three numbers:

  1. The direct cost of the emergency (repairs, temp staff, replacement equipment).
  2. The revenue you expect to lose or have delayed while it is fixed.
  3. The fixed costs that still have to be paid during that window.

That gives you a realistic request rather than a panicked one. Borrowing too much in a crisis can create its own pressure later. Borrowing too little means a second scramble in two weeks, so be honest about the timeline for repairs and reimbursements.

How quickly we can move

The application takes about 5 minutes, and we work from roughly three months of business bank statements. No tax returns. We begin with a soft credit pull and consider FICO 500+. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

For practices that want something quick, our page on fast funding for medical practices explains the timeline in more detail. We do not promise same-day funding, but we do keep the process short.

Know the cost before you commit

Even in an emergency, read the offer. It shows the full repayment amount and the repayment schedule before you accept, with no surprise costs after you sign. If a merchant cash advance or working capital is offered, compare the payback against the revenue you expect once the practice is back to normal.

When you have your numbers, apply here.

Frequently Asked Questions

What counts as an emergency?

Anything sudden that threatens operations: property damage, system outages, payer payment freezes, equipment failure or an unexpected staffing gap.

How fast can funds arrive?

Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

Will a payer freeze hurt my application?

Funders look at your deposits over about three months, so a recent interruption is viewed in that wider context. It is still weighed, so explain what happened.

Should I wait for insurance to pay a claim first?

That depends on how long your carrier will take. Some practices use short-term funding to reopen faster and settle up once the claim pays.

Do I need tax returns?

No. Recent bank statements and a short application are enough to start.

Water damage $35,000.00
Temp staffing $12,000.00
Server replace $8,500.00
Payer gap cover $45,000.00

Example uses for illustration only.

How to improve your chances

A few steps now make an emergency easier to fund later.

  • Keep three months of statements easy to export
  • Document the emergency with photos and quotes
  • List fixed costs that must be paid this month
  • Contact payers and insurers right away

In an emergency: us vs. a bank

Merchant Fund Express
Traditional bank loans
Decision
Fast
Slow, multi-step
Funding
As little as 24 hours if qualified
Weeks
Documents
About three months of statements
Tax returns and more
Credit
FICO 500+ considered
Strict credit cutoffs
Start
Soft credit pull
Hard pull

Get your practice back on its feet

One secure application. A soft credit pull to start. No obligation to accept an offer.

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