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Medical practice funding

Insurance pays in 90 days. Your rent is due in 30.

$25K to $500K. In your account within 48 hours. Direct funded. No credit pull.

See What You Qualify For
48HR Avg time to fund
$25K–$500K For medical practices
No credit pull To apply
Direct Funder
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Estimator · No credit pull

What can businesses your size actually fund?

Pick three things. We'll show the typical range. The real number takes 3 months of statements and 4 hours.

The real problems

You did the work 60 days ago. Insurance still hasn't paid.

Reimbursements sit in limbo for 30-90 days. Payroll, rent, and supply invoices don't care about your AR aging report.

Reimbursements take 30-90 days

You saw 400 patients last month. Insurance companies are still processing claims from two months ago. Your overhead doesn't pause while they review.

$50K-$150K typical gap

Equipment runs $50K-$500K

A digital X-ray system is $80K. A CBCT scanner is $150K+. An ultrasound machine is $50K. You need it to see patients. The bank needs 8 weeks to think about it.

Funded in 48 hours

Staffing costs don't flex

Front desk, MAs, billing staff, hygienists. A 4-provider practice runs $80K-$120K/month in payroll alone. One slow insurance month and you're covering the gap out of pocket.

$40K-$120K typical

Second location buildout

Lease deposit, tenant improvements, new equipment, credentialing timeline. Opening a second office costs $150K-$400K before you see your first patient there.

$100K-$500K typical
How it works

Apply today. Funded tomorrow.

We look at your practice's revenue, not your personal credit score. Most medical practices get a decision the same day.

01 Apply

60-second application

Practice name, monthly revenue, time in business. No 40-page SBA packet.

02 Review

We review 3 bank statements

No credit pull. No collateral. We look at your deposits and cash flow. That's what matters.

03 Fund

Cash hits your account

24-48 hours after approval. Wire or ACH, your pick.

Day 0 · Apply Day 0 · Review Day 1–2 · Funded
Last month

A medical practice in NJ. 48 hours.

"

They were opening a second location and the buildout was running over budget. Bank wanted 6-8 weeks. We funded $95K in 48 hours. They opened on schedule.

$95,000 Funded
48 HRS Apply to cash in account
0 Collateral required
✓ No credit pull ✓ No personal guarantee required ✓ Direct funder
Common questions

Medical practice funding — answered.

Do you fund medical practices with bad credit?+

Yes. We've funded medical practices with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.

How fast can a medical practice get funded?+

Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.

How much can medical practices qualify for?+

$50K-$400K is the typical advance range for medical practices, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.

What do I need to apply?+

Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.

Is this a loan?+

No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.

Find out your number in 60 seconds.

No credit pull. No paperwork. Just a quick form and we'll tell you what your practice qualifies for today.

Apply Now
✓ No credit pull ✓ No obligation ✓ Decision same day