Patients are seen today; insurance pays later. Lubbock practices can apply for $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →Lubbock is the economic center of the Lubbock metropolitan area on the High Plains. With 257,141 residents at the 2020 census and 310,639 in the county, it is a city whose practices may also see patients from nearby smaller towns such as Slaton and Wolfforth, which is good for volume. It does not fix the main cash issue, which is the time between a visit and the payment for it.
Know your average, by payer. If one payer is much slower than the rest, that is where your cash is stuck.
Equipment, hiring, covering payroll or a build-out each need a different amount and a different payback plan.
If a bad quarter would leave you unable to pay back what you borrowed, reduce the amount or wait.
| Cost | Timing |
|---|---|
| Clinical and front-desk payroll | Every pay cycle |
| Lease or mortgage | Monthly |
| Malpractice and property insurance | Monthly or annual |
| Supplies and lab fees | As ordered |
| Software and records systems | Subscription, often up front |
Funding fits timing gaps and growth purchases that have a clear return. It does not fix denied claims or an unsound fee structure, and we do not give billing advice. A new exam room, an extra provider or a replacement diagnostic device all make sense if the added visits will cover their cost. See equipment financing for purchases and working capital for the operating gap.
When a practice adds a provider or opens a new room, the first month looks fine on paper. The trouble comes in the months after, as the provider is credentialed with payers, the schedule fills gradually and the first claims move through review. Salary and rent start on day one, but billable revenue may not begin for weeks and does not reach the bank until weeks after that.
Count that stretch honestly. If the added costs are $15,000 a month, and revenue will not match them for four months, the gap to fund is far larger than one month of costs. Funding that is sized to the true timeline is safer than funding sized to a hopeful one.
Before you apply, pull together your monthly payroll, your lease, your average days to payment by payer and any equipment quote you are considering. These numbers tell you how large the gap is, and they keep the request tied to something specific. A practice that asks for a number it can explain tends to use the money well, and tends to repay it comfortably.
The application takes about five minutes and uses a soft credit pull. Sole proprietors, including solo practitioners, can apply. Funding runs from $25,000 to $5,000,000 and can arrive in as little as 24 hours after approval. Browse the Lubbock County page or start the application.
Because a visit is billed first and paid later, while staff and rent are paid on schedule.
Yes.
Yes. Sole proprietors can apply.
Only by covering costs during the delay; the denial needs its own fix.
No. It is a soft pull.
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
