Virtual.
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For private practices

Cash flow between
insurance reimbursements.

Revenue-based funding — also called a Merchant Cash Advance (MCA) — sized to your practice's monthly deposits and repaid in small daily or weekly increments. The bridge between procedure and reimbursement.

Check eligibility →See if you qualify

Same-day decisions · No impact to credit · $5K – $1M+

Why MCA works here

Why practices use revenue-based funding.

Receivables on insurer time, equipment that costs six figures, and rent that doesn't flex. MCA fills the gap between procedure and payment without taking equity.

Bridge insurance receivables

Insurers pay on their schedule — 30, 60, sometimes 90 days. Payroll, rent, and supplies don't wait. MCA covers the gap between procedure and reimbursement without taking on receivable factoring fees.

Equipment & technology

Imaging, lasers, intraoral scanners, surgical lights, dental chairs, lab analyzers. Capital in days lets you act on a vendor's quarter-end discount window instead of missing it.

Expansion & buildout

Adding operatories, exam rooms, a second location, a satellite clinic. Lenders underwrite the existing practice's revenue — not the projected revenue of the new four walls.

EHR & practice management upgrades

Switching EHR platforms, adding patient portals, modernizing billing — fast capital so the rollout finishes inside one quarter instead of dragging across three.

Qualification

What lenders look for.

Underwriting varies across our partner network, but healthcare practice deals are typically evaluated against a similar set of signals.

  • Licensed practice — dental, vet, derm, urgent care, optometry, chiro, mental health, etc.

  • At least 1 year in business — most partners prefer 2+

  • Monthly gross revenue of $25K+; $50K+ qualifies for stronger offers

  • $5K+/mo card processing or steady ACH inflow

  • Personal credit 600+ preferred; some partners go lower

  • Active state professional license, no recent disciplinary actions

If a deal doesn't fit one partner, we match to another. One application, many shots on goal.

Deal structure

Typical practice deal.

Healthcare MCA deals in our network typically range from $25K to $500K, with the bulk landing between $50K and $250K. Factor rates run from roughly 1.18 to 1.42 depending on time in business, monthly deposit consistency, and credit profile.

Repayment is generally over 6 to 18 months via fixed daily or weekly ACH debits, sized to deposits the practice can service comfortably even in slower months. Stronger files frequently qualify for weekly-pay structures over daily.

$25K – $500K

Typical funding range

6 – 18 mo

Term length

Daily ACH

Repayment style

Documents

What you'll need.

Nothing to start a Virtual application — but once a partner is interested, expect to share the following at the underwriting stage.

  • Last 3 months of business bank statements

  • A voided business check

  • Driver's license or government-issued ID

  • Proof of business ownership (EIN letter, formation docs)

  • Active state professional / practice license

Healthcare FAQ

Common questions.

Other industries we serve

Explore more funding programs.

Restaurants

Trucking

Construction

Retail

Auto repair

Ready when you are

Ready to find your lender match?

One application. Multiple lenders. No impact to your credit score.

Check eligibility →See if you qualify