A clinic's revenue is earned at the visit and received after the claim. A line of credit is a way to cover the days in between without disrupting staff or supplies.
Apply Now →In a healthcare practice, the work and the payment are separated by a claims process. A visit happens, the claim is coded and submitted, the payer reviews it, and payment follows. In the meantime, staff are paid, the lease is due and supplies have been used. The practice's accounts receivable can be large while its bank balance is thin.
That is a timing problem, and a revolving line is built to address timing: draw when the gap opens, repay when claims arrive.
| Step | What happens | Cash effect |
|---|---|---|
| Visit | Care delivered, supplies used | Costs incurred |
| Coding and billing | Claim prepared and sent | Nothing yet |
| Payer review | Claim processed, sometimes questioned | Waiting |
| Payment or denial | Paid, partly paid or sent back | Cash arrives or is delayed further |
Denials and resubmissions add weeks. A practice with a high rate of reworked claims has a longer gap than one with clean submissions.
It is not for covering chronic shortfalls. If expenses regularly exceed what the practice collects, look at staffing, scheduling and payer mix before borrowing.
Funding the gap does not shorten it. A practice that checks eligibility before the visit, submits claims promptly, and follows up on denials quickly reduces how much it needs to borrow. If you are drawing every month, ask whether a change in billing would cut the gap by a week or two. Sometimes a billing fix is worth more than a larger line.
We fund $25,000 to $5,000,000, funded in as little as 24 hours, with a 5-minute application and a soft credit pull. Sole proprietors can apply, which includes many solo practitioners. Start here.
For illustration only: a practice with $30,000 of unpaid claims in transit and $26,000 of payroll and rent due this week might draw part of that gap and repay it when the claims land. These figures are invented to show the idea, not our terms or a typical outcome. Ask any offer for the total repayment and how repayment is collected, and choose an amount you could repay even if payers are slower than usual.
Revenue is earned at the visit but received after claims are processed, so costs come first.
No. It covers the gap. Faster billing and denial follow-up are what shorten the cycle.
Yes. Sole proprietors can apply, with a 5-minute application and a soft credit pull.
Payroll, supplies, rent, insurance premiums and temporary coverage while claims are pending.
Only what the current gap needs, and plan to repay from the claims you are waiting on.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
