Keep payroll, rent and supplies covered when patient volume dips and claims lag behind. Fast decisions, funding in as little as 24 hours for qualified practices.
Check My OptionsMedical Practice Working Capital
Seasonal dips are predictable. Working capital sized to last year's gap keeps your staff and your schedule ready for the busy months.
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.
A 5-minute application and about three months of bank statements. No tax returns, and funding in as little as 24 hours for qualified practices.
FICO 500+ considered. We weigh the steadiness of your deposits alongside your score, and the first look is a soft pull.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer up front, so you can map it against your busy season.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Most practices feel the same pattern every year. Volume drops in late summer when families travel, again around the holidays, and sometimes in early spring when patients are still working through new deductibles. The schedule thins out, but the overhead does not. Your front desk, your MAs, your lease and your EHR subscription all bill on the same day they always do.
On top of that, the claims you are collecting now were earned weeks ago. So a slow stretch shows up in the bank account later than it shows up on the schedule, and it lingers after visits pick back up.
We see owners use it in a few practical ways:
If you need flexibility for repeated dips, a business line of credit for medical practices lets you draw only what you use.
We review about three months of business bank statements, so we see both your strong weeks and your lighter ones. We are looking at the overall rhythm of deposits, including insurance remittances and patient payments, rather than judging the practice on a single slow month. No tax returns are required, and FICO scores from 500 are considered.
Starting is a soft credit pull, so checking your options does not ding your score. Our medical practice cash flow guide covers how to read your own seasonal pattern before you apply.
Size the request to the gap, not to the maximum you might be offered. Look at last year's slow stretch, add up what payroll and fixed costs ran over what came in, and start there. Funding ranges from $25,000 to $5,000,000, but a practice bridging a quiet quarter usually needs a much smaller figure. Your offer shows the full repayment amount before you accept, so you can check that it fits your cash flow once volume returns.
When you are ready, the 5-minute application is the place to start.
Yes. We look at roughly three months of deposits, so a lighter month is seen in context alongside your steadier ones.
Funders look at the overall pattern of deposits. Lumpy insurance payments are normal for practices and are read as part of that pattern.
Funding can arrive in as little as 24 hours for qualified businesses after approval.
No. We work from your recent business bank statements and a short application.
Yes. Sole proprietors can apply, including single-provider practices.
Example uses for illustration only.
A few habits make a practice easier to fund ahead of its slow stretch.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding