You treat the patient today and get reimbursed in ninety days
A practice delivers care, submits a claim, and then waits — through adjudication, denials, resubmissions, and payer schedules that run 60 to 120 days. Meanwhile staff, rent, malpractice coverage, and equipment leases are all due on the first. The revenue is earned and largely certain; it simply arrives on someone else's calendar.
Where it squeezes
- 01Insurance reimbursement cycles running 60 to 120 days
- 02Claim denials and resubmissions extending an already long wait
- 03Diagnostic and treatment equipment requiring large capital outlays
- 04Clinical and administrative staffing costs due regardless of collections
- 05Practice acquisition or buy-in costs for growing groups
What owners use capital for
- Bridging the gap between treatment and reimbursement
- Purchasing imaging, dental, or surgical equipment
- Building out or relocating a practice
- Hiring clinical staff ahead of the revenue they generate
- Funding a partner buy-in or practice acquisition
What healthcare businesses most often use — in order.
Invoice Factoring
B2B businesses carrying real receivables from slow-paying customers.
- Amount
- Up to 90% advance rate
- Term
- Per-invoice, no long-term contract
- Speed
- Fast once your account is set up
- Cost basis
- A discount on the invoice face value
- Scales with your receivables
- No long-term contract
- Your customer's credit matters most
Only works if you invoice other businesses — there is nothing to advance against otherwise.
Compare structuresEquipment & Expansion
Businesses making a larger, longer-horizon investment.
- Amount
- $25K – $2M
- Term
- 12 – 36 months, typical
- Speed
- Days to a couple of weeks
- Cost basis
- Cost reflects the asset and the term
- Asset-backed options
- Longer terms spread the cost
- Preserves working cash
The capital is purpose-bound to the asset or project, not general-use cash.
Compare structuresSBA Loans
Established businesses that can qualify and can wait for a longer process.
- Amount
- Up to $5M
- Term
- Multi-year terms
- Speed
- The slowest path — weeks, not days
- Cost basis
- Lowest cost structure of the products here
- SBA 7(a) and 504 programs
- Longest terms available
- Lowest cost when you qualify
The most paperwork and the longest timeline, with the strictest qualification bar.
Compare structuresBusiness Line of Credit
Businesses that want capital on standby for recurring or unexpected needs.
- Amount
- $10K – $250K revolving
- Term
- Revolving, typically renewed annually
- Speed
- Days to set up, then draw on demand
- Cost basis
- You are charged only on what you draw
- Draw and repay on your schedule
- Pay only for what you use
- Replenishes as you repay
Approval amounts are usually smaller than a term structure, and the line must be maintained.
Compare structuresAmount ranges and timelines are typical ranges, not guarantees. All financing is subject to underwriting review; product availability and terms vary by applicant.
Asked and answered.
Net-60 receivables and retainage while payroll runs every Friday. The work is finished; the money is still on someone else's schedule.
Fuel and drivers are paid this week. The broker pays in 30 to 45 days. That gap is the whole business problem.
Weekly payroll against net-45 client terms. Every new contract widens the gap before it closes it.
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