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Medical Receivables Financing & Healthcare Factoring
Structured medical receivables financing and healthcare factoring for practices and group providers bridging insurance reimbursement cycles.
ELIGIBLE OPERATORS
- •Medical & dental group practices
- •Urgent care & outpatient clinics
- •Home health & hospice agencies
- •Behavioral health providers
- •Specialty surgical centers
- •Medical staffing firms
CAPITAL USED FOR
- •Insurance reimbursement gaps
- •Clinical staff payroll
- •Equipment acquisition
- •New location buildout
- •Credentialing transition costs
- •Payer contract renegotiation periods
CAPITAL USED FOR
- •Insurance reimbursement gaps
- •Clinical staff payroll
- •Equipment acquisition
- •New location buildout
- •Credentialing transition costs
- •Payer contract renegotiation periods
Estimate Your Capital Need
Capital Needs Assessment. Healthcare
Enter your operating profile to estimate your working capital gap and recommended facility structure.
Estimated Capital Profile
Reimbursement gap
$1,600,000
60-day payer cycle
Payroll exposure
$240,000
2-month payroll obligation
Estimated capital gap
$1,460,000
Identified capital need
This figure reflects your total reimbursement and payroll exposure based on your payer cycle. Most practices don't address the full gap at once. A typical first facility ranges from $300K to $850K depending on your immediate staffing and cash flow priorities. Enter your contact information below to see a structured breakdown of what makes sense to address first.
Request a Capital Review. A capital advisor will review your assessment and follow up to discuss structure options.
Estimates are for advisory reference only. All structures subject to full financial review.
Built for Established Medical Operators
We work with healthcare providers managing patient volume, staff payroll, and insurance reimbursement timelines.
- Medical and dental group practices
- Urgent care and outpatient clinics
- Home health and hospice agencies
- Behavioral health providers
- Specialty surgical centers
- Medical staffing and locum tenens firms
Most clients generate $300K to $3M+ in monthly revenue with recurring insurance or contract-based billing.
Typical Working Ranges
Reimbursement gap coverage and operating liquidity
Multi-location staffing and expansion capital
Practice acquisition and large-scale growth
All structures are tailored to revenue flow and reimbursement cycles.
Where Capital Is Deployed
- Clinical staff payroll and benefits
- Insurance reimbursement gap coverage
- Equipment acquisition and facility buildout
- Credentialing and licensing transition costs
- New location openings and practice acquisitions
- Technology and EHR system investments
- Working capital during payer contract renegotiation
Structured Review Process
- 1.Initial discussion around patient volume, payer mix, and revenue flow
- 2.Review of recent business performance and reimbursement patterns
- 3.Capital structure options presented
- 4.Ongoing relationship as practice operations scale
A Capital Advisory Approach
We work directly with private capital sources who understand healthcare cash flow. Funding is structured around reimbursement cycles, credentialing timelines, and practice growth. Not one-size-fits-all lending.
- Familiar with insurance reimbursement and credentialing cycles
- Experience supporting multi-location medical groups
- Discreet and direct communication
- Long-term capital access as practices expand
Representative Structures
Selected engagements from recent capital structuring work. Identifying details have been generalized for confidentiality.
Situation
Multi-location medical group, Mid-Atlantic region. A $14M practice facing a 52-day insurance reimbursement cycle that was creating sustained payroll pressure during a three-location expansion.
Structure Deployed
Structured a $600K receivables-backed facility against insurance AR, priced inside the client's existing bank pricing on a blended-cost basis. Conventional SBA expansion financing was evaluated first and deferred due to timeline mismatch with the practice's acquisition schedule.
Outcome
Facility closed in 9 business days. Practice completed the third-location acquisition on the original timeline. Refinanced into a conventional ABL facility 11 months later.
Multi-location medical group, Mid-Atlantic region. A $14M practice facing a 52-day insurance reimbursement cycle that was creating sustained payroll pressure during a three-location expansion.
Structured a $600K receivables-backed facility against insurance AR, priced inside the client's existing bank pricing on a blended-cost basis. Conventional SBA expansion financing was evaluated first and deferred due to timeline mismatch with the practice's acquisition schedule.
Facility closed in 9 business days. Practice completed the third-location acquisition on the original timeline. Refinanced into a conventional ABL facility 11 months later.
Situation
Behavioral health provider, Southeast region. A $7M outpatient group transitioning between primary payer contracts, with a 90-day credentialing window that created a temporary gap in reimbursement on roughly 35 percent of patient volume.
Structure Deployed
Structured a $400K bridge facility sized to the credentialing window, with repayment tied to verified reimbursement resumption. Conventional bank financing was unavailable on the required timeline due to documentation requirements.
Outcome
Funded in 6 business days. Clinical staff retained through the credentialing transition. Facility repaid in full within 14 weeks once primary payer reimbursement normalized.
Behavioral health provider, Southeast region. A $7M outpatient group transitioning between primary payer contracts, with a 90-day credentialing window that created a temporary gap in reimbursement on roughly 35 percent of patient volume.
Structured a $400K bridge facility sized to the credentialing window, with repayment tied to verified reimbursement resumption. Conventional bank financing was unavailable on the required timeline due to documentation requirements.
Funded in 6 business days. Clinical staff retained through the credentialing transition. Facility repaid in full within 14 weeks once primary payer reimbursement normalized.
Situation
Specialty surgical center, Midwest region. A $19M ambulatory surgery operator pursuing a $1.4M equipment upgrade to add a second procedure suite ahead of a contracted volume increase from a hospital system referral partner.
Structure Deployed
Recommended against the short-term capital the operator initially requested. The financial profile supported conventional equipment financing at materially lower cost. Coordinated the facility through an institutional lending partner with healthcare equipment expertise.
Outcome
Closed a $1.5M conventional equipment facility within 19 days. Second procedure suite operational ahead of the contracted volume ramp. Cost of capital approximately 50 percent below the bridge structure initially considered.
Specialty surgical center, Midwest region. A $19M ambulatory surgery operator pursuing a $1.4M equipment upgrade to add a second procedure suite ahead of a contracted volume increase from a hospital system referral partner.
Recommended against the short-term capital the operator initially requested. The financial profile supported conventional equipment financing at materially lower cost. Coordinated the facility through an institutional lending partner with healthcare equipment expertise.
Closed a $1.5M conventional equipment facility within 19 days. Second procedure suite operational ahead of the contracted volume ramp. Cost of capital approximately 50 percent below the bridge structure initially considered.