Merchant Fund Express
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Payroll Funding for Medical Practices

Pay nurses, assistants and front desk staff on time while insurance claims are processed. Short application, no tax returns, funding in as little as 24 hours if qualified.

Cover Payroll

Medical Practice Payroll Funding

Keep your care team paid while reimbursements catch up

Payer delays and billing changes can leave a practice short before payday. Payroll funding keeps your staff paid and your schedule full.

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.

Payroll help built for practices

Quick application, few documents

About 5 minutes to apply and roughly three months of bank statements. Qualified practices can be funded in as little as 24 hours.

Credit flexibility

FICO 500+ considered. Steady practice deposits weigh into the review.

Clear costs

Your offer shows the total repayment amount before you accept. No surprise costs after you sign.

Predictable repayment

The repayment schedule is laid out in the offer up front, so you can plan it against payroll dates.

Cash flow tight this month?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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.

Claims take time, payroll does not

A medical practice sees patients today and may be paid by insurers weeks later. Claim denials, resubmissions, credentialing delays with a new payer, or a switch to a new billing system can stretch that gap further. Meanwhile nurses, medical assistants, front desk staff and billers expect to be paid on schedule.

Payroll funding for medical practices bridges the time between care delivered and reimbursement received, so your team is paid on time and patient care keeps running smoothly.

When practices typically need payroll help

Finding the right fit

For a defined gap, working capital gives you a set amount. If reimbursement timing keeps causing short-term gaps, a business line of credit lets you draw only when needed. Practices with strong card payments from patients may look at revenue-based financing. Our medical practice cash flow guide covers planning around reimbursement cycles.

Protecting the team behind the schedule

Experienced medical assistants, nurses and billing staff know your providers, your patients and your workflows. Losing one over a missed paycheck means recruiting, onboarding and training a replacement while the schedule stays full. For a small practice, a single departure can slow check-in, charting and claim submission, which then slows reimbursement even more. Steady payroll is one of the simplest ways to protect both patient experience and revenue.

What funders review

Funders look at your practice's deposits over roughly three months, including insurance payments and patient payments, along with existing obligations already debited from the account. Consistency matters. FICO scores from 500 are considered, and sole proprietor practices can apply. No tax returns are required.

Simple steps

  1. Complete the 5-minute application, which starts with a soft credit pull.
  2. Send about three months of business bank statements.
  3. Review your offer, which shows the full repayment amount and schedule before you accept.

Qualified practices can be funded in as little as 24 hours. Apply for payroll funding.

Frequently Asked Questions

Can payroll funding help while we credential a new provider?

Yes. Practices often use it to cover staff wages while a new provider's credentialing with payers is completed.

Do insurance payments count as deposits?

Yes. Funders look at all business deposits, including insurance reimbursements and patient payments.

Is this only for physician practices?

Established practices with steady deposits can apply, and sole proprietors are welcome to apply as well.

How much payroll funding can a practice get?

Funding ranges from $25,000 to $5,000,000, sized mainly on your deposits and existing obligations.

Will this affect how our staff are paid?

No. You run payroll the same way you always do. The funding simply adds cash to your business account.

Bi-weekly payroll $58,000.00
New MA hire $16,000.00
Billing backlog gap $35,000.00
Payroll taxes $13,000.00

Example uses for illustration only.

How to improve your chances

These steps help practices smooth out payroll timing.

  • Track days in accounts receivable by payer
  • Work denials and resubmissions promptly
  • Collect patient balances at the time of service
  • Start credentialing new providers early

Payroll funding vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Lengthy forms
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Higher scores expected
Speed
As little as 24 hours if qualified
Often weeks
Cost clarity
Full repayment shown before you accept
Fees may appear later

Keep your team paid on time

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

Apply for Funding
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