Merchant Cash Advance for Texas Healthcare Practices

What repayment from receipts touches

In general terms, a merchant cash advance is funding repaid through a portion of future receipts. In a practice, those receipts might include patient copays and self-pay amounts at the front desk, card payments, and deposits from payers. Different offers capture different parts of that flow. Ask which deposits are used and how often a share is taken, because that determines what the practice actually feels.

This page is general information, and the specific paperwork of any offer is what governs.

Cash sources and how they behave

A practice with a larger share of frequent, smaller receipts fits the structure more naturally than one that relies on a few big payer deposits.

Where caution is warranted

• Payer delays: if a major payer pauses payments for review, deposits drop while costs remain.
• Seasonal visits: some practices see swings in volume.
• Provider absences: a physician out for a period reduces receipts without reducing rent.
• Margins: repayment must come from what remains after staff and supplies.

Questions to put in writing

1. What is the total repayment in dollars?
2. Which receipts are used and how often?
3. What happens during a payer delay or provider absence?
4. Is early repayment allowed and what does it change?

We do not publish rates on this page, and any numbers here are illustrations of the method, not terms we offer.

Funding details

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. Start here and compare what you receive with a line of credit, equipment financing or working capital.

If your problem is claims timing, a line of credit often matches it more directly. If you are buying equipment, equipment financing is more targeted. An advance can make sense when the receipts pattern fits and the purpose is clear and short-term.

One practical step before applying: pull your deposit history for the last few months and sort it by source. If most of your cash arrives in two or three large payer deposits, ask how an offer would treat a month when one of them is late. If most arrives in small daily amounts, the structure is a more natural match, though the total repayment still has to make sense against your margins.