Merchant Fund Express
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Revenue-Based Financing for Medical Practices

Funding sized to your deposits, not just your collateral. Cover payroll between remittances, add staff or upgrade rooms with a 5-minute application.

See My Options

Medical Practice Revenue-Based Financing

Bridge the gap between the visit and the reimbursement

Claims take time to pay. Our revenue-based financing looks at the deposits your practice already brings in and turns that history into working cash you can use now.

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.

Built around how practices get paid

Quick decisions, short paperwork

About three months of bank statements and a 5-minute application. No tax returns, and funding in as little as 24 hours for qualified practices.

More than a credit score

FICO 500+ considered. Consistent payer and patient deposits carry real weight in our review.

Full cost shown before you accept

Your offer states the full repayment amount up front, so there are no surprise costs after you sign.

A schedule you can plan for

The repayment schedule is laid out in the offer before you commit, so you can line it up with your reimbursement cycle.

Ready to see your numbers?

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.

Why practices look at revenue-based financing

A medical practice rarely has a revenue problem. It has a timing problem. You see the patient today, submit the claim this week, and the payer settles when it settles. Meanwhile payroll for your nurses, front desk and billing staff runs on a fixed calendar, and the lease, malpractice coverage and supply orders do not wait for remittances.

Revenue-based financing is built around the money that actually lands in your account. Instead of judging the practice mostly on collateral or years of tax returns, we look at your deposit history and size an offer to it. That makes it a practical fit for practices whose income is steady but arrives in uneven waves.

How we evaluate a practice

We start with about three months of business bank statements. Those show us insurance remittances, patient payments and any existing obligations in one place. We do not require tax returns, and the first step is a soft credit pull, so checking your options does not set off a hard inquiry.

Where practices put the money

Most requests we see from clinics fall into a handful of buckets:

If the purchase is a specific piece of equipment, equipment financing for medical practices may be a cleaner match. For recurring smaller needs, compare our business line of credit for medical practices.

Reading your offer

Every offer spells out the funding amount, the full repayment amount and the repayment schedule before you accept. Nothing is added after you sign. Take the time to map that schedule against your reimbursement cycle so you know exactly how it fits. When you are ready, start the 5-minute application, or read our medical practice cash flow guide first.

Frequently Asked Questions

What is revenue-based financing for a medical practice?

It is funding sized to the revenue moving through your business bank account. We look at deposits from insurance payers and patients rather than relying mainly on collateral.

Do slow insurance reimbursements hurt my chances?

Funders look at the overall pattern of deposits over several months. Lumpy remittances are normal for practices; what matters is that money comes in consistently over time.

Do I need to send tax returns?

No. About three months of business bank statements and a short application are usually enough to start.

How much can my practice receive?

Offers range from $25,000 to $5,000,000. The amount depends mainly on your monthly deposits and any existing obligations shown on your statements.

Will applying affect my credit score?

We begin with a soft credit pull, which does not affect your score, so you can see your options first.

Staff payroll $45,000.00
EHR upgrade $30,000.00
New exam room $75,000.00
Second location $180,000.00

Example uses for illustration only.

How to improve your chances

A few steps help a practice put its best application forward.

  • Route payer remittances into one business account
  • Avoid overdrafts in the months before you apply
  • List any existing financing and current balances
  • Know exactly what the funds will pay for

Our revenue-based financing vs. a bank loan

Merchant Fund Express
Traditional bank loans
Main factor
Deposit history
Collateral and tax returns
Paperwork
About 3 months of statements
Years of financials
Credit
FICO 500+ considered
Strong credit expected
Timing
As little as 24 hours if qualified
Weeks of underwriting
First credit check
Soft pull
Hard inquiry common

Ready to smooth out your reimbursement gaps?

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

Apply for Funding
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