Practices are revenue-strong but cash-flow-lagged: equipment is expensive, clinical payroll is due every cycle, and insurance reimbursements can take 30 to 90 days to land. We fund on your actual collections so you can invest in care without waiting on the payers.
Fast reviews · Clear communication · No misleading promises
A healthy practice can still be cash-tight. You buy the chair, the imaging, or the laser upfront; you make clinical and admin payroll every cycle; then you wait weeks for insurers to reimburse the work you've already done. That gap between care delivered and cash collected is the squeeze.
Revenue-based funding looks at your collections and deposits rather than just collateral, so you can add equipment, cover payroll, or open another operatory now, and repay as your reimbursements come in.
From the smallest operation to a multi-unit group, if you have steady sales, there's likely a path worth exploring.
General & specialty dentistry
Family & internal medicine
Derm, ortho, and more
Animal hospitals & clinics
Eye care & optical
Chiro & wellness
PT & rehab
Aesthetic & cosmetic
Operatory chairs and imaging
Lasers and specialty equipment
Build-outs and new operatories
Clinical and admin payroll
Bridging insurance reimbursements
Practice acquisition or partner buy-in
EHR, PMS, and software
Patient marketing and growth
A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.
Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.
The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.
A realistic picture of what we look for, and what to have ready so things move quickly.
6+ months in operation
$10k+ in average monthly collections
An active business bank account
Steady patient or insurance revenue
U.S.-based practice
3–6 months of business bank statements
Recent collections or production reports
A government-issued photo ID
Business info (EIN, entity type)
Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.
We look at recent deposits and card volume to understand what you may qualify for.
See the products that fit your situation side by side, in plain language.
Once you choose a direction, funds for fast options can land in as little as a day.
New imaging system needed now
Funded fast, installed without delay
Payroll due while claims process
Drew to cover staff, repaid on collections
Buying into a partner's practice
Lower-rate financing for the buy-in
Representative scenarios for illustration. Individual results, products, and timing vary.
We fund on collections, not just credit
Speed to add equipment or staff
Solo practices to group practices
Straight talk, no guaranteed-approval hype
Bridges the insurance reimbursement lag
One conversation to compare every fit
A merchant cash advance is the purchase of future receivables, not a loan, and it is priced with a flat factor rate, not an interest rate. That makes it fast and flexible, but the daily remittance does not pause for a slow week. Here is where owners in your line of work feel it.
A daily debit collects on a schedule, but insurance reimbursements land 30 to 90 days after the work is done, so the advance is being repaid out of today deposits while the production it funded is still sitting in accounts receivable.
A percentage-based remittance is pulled from collections, so a denied-claim batch, a slow payer, or a credentialing gap that pauses billing can shrink the very deposits the payback comes from while the obligation continues.
Practices run high fixed clinical and admin payroll every cycle no matter what reimbursements arrive, so an aggressive daily debit competes directly with the staff costs that keep patients moving through the chairs.
Equipment like a chair, imaging, or a laser pays back slowly across many patient visits, so funding it with a short fast-remitting advance can put the cash-out and the cash-back badly out of step.
Imagine a practice takes a $50,000 advance at a 1.35 factor to add a chair while claims are still processing. That purchases $67,500 of future receivables, a flat figure with no compounding. Paid back over about 11 months of business days, that is roughly $290 per business day, coming out of daily deposits even though the matching reimbursements may not post for another month or two. As an APR-equivalent the cost runs well above a bank loan, but that number is an estimate for comparison only, since an advance is priced with a factor rate, not an interest rate, and actual terms vary by funder and underwriting.
Illustration only, not an offer of credit. A factor rate is a flat multiplier; any APR shown is an APR-equivalent for comparison only. Actual terms vary by funder and underwriting.
“Our sterilizer and a chair failed the same month. We funded both in a couple of days and never turned a patient away.”
Representative experience. Individual results vary. No outcome is guaranteed.
Still have a question? A specialist can usually answer the same business day.
Start a review→Plain-English answers to the questions owners ask before they apply.
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