Clinics, dental offices and therapy providers all wait on reimbursement. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →Not an estimate. Pull the aging report and look at what is actually unpaid after 30, 60 and 90 days.
Count salary, credentialing time, supplies and front-desk time until their schedule fills.
Equipment is a purchase. Time is a bridge. Different needs, different request sizes.
That is your stress test. If your cash cannot absorb it, you need a buffer.
Tyler is the seat of Smith County, 105,995 residents at the 2020 census and the most populous city in Northeast Texas. A regional center tends to draw patients from smaller surrounding towns, so independent practices here serve both city residents and people traveling in. Serving a larger area can mean more patients, and it can mean more variation in payers and claims.
| Provider | Typical cash need |
|---|---|
| Dental office | Chairs, imaging, a second operatory |
| Physical or occupational therapy | Treatment space and equipment, claim float |
| Behavioral health | Added clinicians before the schedule fills |
| Urgent care or walk-in clinic | Extended-hours payroll, supplies |
| Home care and mobile providers | Vehicles, payroll ahead of payer cycles |
For physician-run offices and their equipment, see medical practices in Tyler.
Growth in healthcare tends to cost more cash than it appears. A new clinician starts earning salary on the first day, but insurers may not pay for their visits until credentialing is done, and the schedule takes weeks to fill. A new location has a lease, a build-out, equipment, signage and a front desk, and it may run at a loss before it reaches a break-even patient count. Practices that grow successfully usually map three dates before they begin: when the cost starts, when the first billable visit happens and when the first payment arrives. The distance between the first and the third is the amount to bridge.
Owners who skip this often respond by slowing vendor payments, which can affect supplies and relationships. A planned request is easier than a reactive one.
For illustration only: a therapy practice bills $45,000 a month and insurers pay about 38 days after the visit. About $57,000 of care is delivered but unpaid at any time. Payroll and rent do not wait. These numbers are invented and are not our terms or a typical result.
Funding runs from $25,000 to $5,000,000. The application takes about five minutes with a soft credit pull, and sole proprietors can apply. Funding can arrive in as little as 24 hours. See business lines of credit or apply now.
Describe the business in your application. Sole proprietors can apply.
No. It bridges the wait.
Equipment and build-out are common uses.
The application uses a soft pull.
As little as 24 hours after approval.
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
