Medical Practice Cash Advances

Fast, Flexible Funding for Healthcare Professionals

Running a medical practice comes with unique challenges—cash flow delays from insurance reimbursements, rising operating costs, and the constant need to invest in equipment, staff, or marketing. That’s why many healthcare providers are turning to Merchant Cash Advances (MCAs) for quick medical practice funding without the red tape of traditional bank loans. Below are the most common questions we hear from physicians, dentists, chiropractors, and other healthcare providers exploring this financing option.

What is a medical practice Merchant Cash Advance?

A Merchant Cash Advance for doctors and healthcare businesses is an alternative financing solution that gives your practice a lump sum of capital in exchange for a portion of your future revenue. Instead of making fixed monthly payments, repayment is drawn as a percentage of your daily or weekly collections—making it ideal for practices with fluctuating income due to insurance or patient billing cycles.

How does a Merchant Cash Advance work for healthcare providers?

Once approved, you’ll receive funding—often within 24 to 48 hours. Repayment is then automatically deducted from your credit card sales or business bank account based on the agreed terms. This setup gives you access to working capital for your medical practice without waiting weeks for loan approval.

Why would a medical practice choose a Merchant Cash Advance over a traditional loan?

MCAs offer several key advantages for busy healthcare professionals:

• No collateral required
• Fast funding, often in 1–2 business days
• Flexible repayment aligned with your revenue
• Low documentation requirements
• Approval even with imperfect credit or high insurance receivables
• They’re ideal for physicians, dentists, or wellness clinics that need funding to manage day-to-day operations, purchase equipment, hire staff, or expand their facility.

How much can I qualify for with a Merchant Cash Advance for my medical practice?

Funding amounts typically range from $5,000 to $500,000, depending on your monthly revenue, time in business, and average patient volume. In most cases, medical practices with at least $25,000 in monthly revenue and one year in operation can qualify.

What can Merchant Cash Advance funds be used for in my healthcare practice?

You can use MCA funds for virtually any business purpose, including:

• Purchasing medical or dental equipment
• Covering payroll during slow months
• Marketing or expanding your practice
• Renovating your office or exam rooms
• Bridging the gap while waiting on insurance reimbursements
• This flexibility makes it one of the most versatile healthcare funding solutions available.

Will applying for a Merchant Cash Advance affect my credit score?

Most MCA providers perform a soft credit pull, which does not affect your credit score. They focus more on your practice’s cash flow and revenue than your credit history. This makes MCAs a great option for providers seeking medical practice funding with bad credit or a limited credit file.

Is a Merchant Cash Advance right for every healthcare business?

While MCAs offer speed and flexibility, they may not be the best long-term financing solution. Because repayment is daily or weekly and factor rates can be higher than traditional loans, they’re best suited for:

• Short-term capital needs
• Medical practices with consistent revenue
• Providers who need funding quickly and can repay within 6–12 months
• If you have predictable insurance payments or seasonal slowdowns, an MCA can help you maintain momentum and avoid interruptions in patient care.

How do I get started with a Merchant Cash Advance for my medical practice?

It’s simple:

• 1. Complete our short online application
• 2. Submit recent bank statements and revenue reports
• 3. Get approved within 24 hours
• 4. Receive funds in as little as one business day