Treatment tables, rehab equipment and front-desk staff come before the insurance payments do. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →A physical therapy or chiropractic office sees patients repeatedly over weeks or months. Each visit generates a charge, often billed to an insurer, and often with a co-pay collected at the desk. A single patient might produce a dozen small claims over a course of care. A busy office handles hundreds.
The pattern is different from a surgical practice that bills for a few large procedures. Here the steady flow of small payments depends on a billing process that has to run smoothly. When it does not, the cost lands in the office's bank account first.
If the office is waiting on several weeks of insurance payments, it is financing those visits with its own cash.
Some plans approve a limited number of visits at a time. If an authorization lapses, the office may deliver care and wait to see whether it is paid.
A therapist or chiropractor on payroll with an open slot is a cost with no revenue. Marketing that fills those hours is a spend that pays back later.
| Item | What it changes |
|---|---|
| Treatment and adjustment tables | Capacity per room |
| Exercise and rehab equipment | Range of conditions treated |
| Modalities such as ultrasound, electrical stimulation or traction | Treatment options on the menu |
| Software for notes and billing | How fast claims go out and how many come back |
A new office needs a lease, a build-out for treatment rooms and a gym area, signage, equipment and a front-desk setup. Staffing is the next layer: a therapist or chiropractor, an assistant and a receptionist or billing specialist. Revenue arrives only after patients begin to book, claims go out and payers respond.
For illustration only, using round numbers that are not our terms: if a new location costs $90,000 to open and takes several months to build a patient base, the owner needs a way to keep the first location operating while the second grows.
Because the claims are small and numerous, a clinic needs people who handle verification, authorization and billing accurately. Many owners find that one extra staff member in the billing role pays back through fewer rejected claims and faster collections, but that hire is a cost before it is a saving. Co-pay collection at the desk, clear patient communication about benefits and good documentation all shorten the time between a visit and the payment. Working capital can fund that investment in process while the older claims are still being paid.
Working capital from $25,000 to $5,000,000 is available through a five-minute application. A soft credit pull starts it, and sole proprietors can apply, including solo practitioners who rent a single treatment room.
Yes. Equipment is a permitted use of working capital.
Yes. That gap is one of the most common reasons clinics seek working capital.
Yes. Sole proprietors can apply.
Funding is working capital, so expansion costs are a permitted use.
As little as 24 hours for approved applications.
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
