Time in business
Around six months of operating deposits is a common starting conversation.
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Industry
Clinics buy equipment; payers take their time.
Regional practices fund imaging, chairs, and staffing while claims clear on a slower clock.
The cash cycle
Deposit-backed facilities should match reimbursement timing. Equipment finance when the asset is the plan; a line when payroll cannot wait on a batch.
We look at payer mix, existing equipment liens, and whether a “growth” ask is really covering a thin collections process. Credentialing delays and new-provider ramp are common — and should be named, not hidden.
How operators typically use funds
- Staffing through a reimbursement lag.
- Clinical equipment with a vendor invoice and useful life.
- Working capital around a second location or provider hire.
- Refinance of expensive short facilities into a cleaner structure.
Structures we often discuss
- Equipment financingWhen the asset and invoice are clear.
- Line or term noteFor operating gaps that are timing, not a broken payer mix.
- SBA-related pathsWhen the use and documentation support a longer facility. We are not the SBA.
Eligibility snapshot
A starting frame — not a decision.
Revenue
Near $15,000 in monthly deposits is a typical frame. Specialty practices may look different month to month — the statements still have to tell a story.
Credit
Personal credit near 500+ is often discussed, along with existing obligations in the trade.
What we watch in this trade
Payer concentration, prior practice debt, and whether collections improve with capital or simply postpone the issue. Soft inquiry to start.
Soft inquiry to start. Applying is free and is not an offer of credit.