Medical practices, DME suppliers, dental groups, and home health agencies all face the same problem: you provide services today, insurance pays you in 60–120 days. We fund the gap so you can grow without waiting on payers.
We look at your actual revenue — not just your credit score. The process is simple, fast, and built around how your business really operates.
Practices, providers, suppliers, and ancillary services across all 50 states. Healthcare has the longest receivables in business — our funding is built around that reality.
Healthcare has the slowest cash conversion cycle of any industry. Banks ignore this reality. We built funding around it.
Solo practices, group practices, dental offices, DME suppliers, home health agencies, urgent care, mental health practices, physical therapy, chiropractic, med spas, veterinary clinics, and more. If you bill insurance or patients, we likely can fund you.
Both — we look at your actual deposits over the past 3–6 months. If insurance reimbursements are consistently flowing in, that revenue qualifies you. We don't require AR pledges or factor your receivables.
That's the most common use. Many practices use our funding specifically to cover operating expenses while Medicare, Medicaid, or commercial insurance processes claims. Pay it down as those payments arrive.
Yes — DME is one of our specialties. We understand prior auth delays, oxygen reimbursement timelines, and the challenges of stocking inventory before insurance pays. Many DME providers we fund renew with us 2–3 times a year.
No. Our funding doesn't appear as traditional debt on your credit profile the same way an SBA does. Many practices use us as a bridge while waiting for an SBA loan to close.
Not at all. Most healthcare businesses we fund have been declined by banks because of high accounts receivable, slow reimbursement cycles, or non-traditional revenue patterns. We see opportunity where banks see risk.
Apply in 2 minutes. No hard credit pull. A specialist reaches out within hours — not days.