X-ray machines, exam rooms and clinical staff are paid for long before insurance payments arrive. Apply for $25,000 to $5,000,000 in about five minutes.
Apply Now →An urgent care clinic keeps staff on the clock for the entire time its doors are open, including evenings and weekends. Providers, nurses, medical assistants and front-desk staff are paid whether the waiting room is full or empty. Medical supplies, lab consumables and malpractice insurance are fixed costs of being open. The revenue that covers all of this comes from patient visits and payers that reimburse after claims are filed and processed.
That means the clinic funds care first and collects later, sometimes weeks later.
| Item | Why it is a cash decision |
|---|---|
| Digital X-ray and imaging | A large purchase that adds a service line |
| Lab analyzers and point-of-care testing | Equipment plus ongoing consumables |
| Exam rooms and procedure supplies | Each added room increases patient capacity |
| Electronic health records and billing software | Subscription and implementation costs |
| Signage, buildout and compliance upgrades | Needed to open a new location or expand hours |
Adding extended hours or a second clinic means hiring and credentialing providers before patients arrive. New clinics usually need months to build awareness and patient volume. Payroll for clinicians is the largest cost in the business, and it runs ahead of the revenue it supports.
Each step is paid for before the next one produces income.
A clinic that adds evening or weekend hours faces a smaller version of the same sequence: the extra shifts are staffed before anyone knows how many patients will walk in during them.
Working capital can cover equipment purchases, early payroll for new locations, and the weeks between submitting claims and receiving payment. It does not replace careful billing and coding practice, which are the real drivers of a healthy clinic's revenue cycle.
Texas Biz Funding provides $25,000 to $5,000,000, with a five-minute application and a soft credit pull. Funding can arrive in as little as 24 hours. Sole proprietors can apply, including physicians who own a practice outright.
For illustration only, not our terms or a typical outcome. A clinic owner wants to add X-ray capability to avoid sending patients elsewhere. The equipment, installation and a technician's wages for the first months total roughly $60,000, and the added revenue will not arrive until the service is running and claims are paid. Working capital covers the purchase and early payroll. If patient volume for the new service is lower than expected, the repayment is still due, so the owner should plan conservatively.
Yes. Sole proprietors and practice owners can apply.
Equipment purchases are typical operating uses. Estimate the added volume the equipment will bring.
It can cover payroll and supplies during the weeks between submitting claims and receiving payment.
Opening a second clinic is a common use, though it needs a realistic plan for how quickly patients will arrive.
In as little as 24 hours after approval, with a five-minute application.
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
