The Pinch Points
Why Pediatric Practices Come to Us for Capital
You front tens of thousands of dollars in refrigerated vaccine inventory months before you administer it and a quarter before the insurer pays — a giant inventory loan you’re giving the carriers for free. Our lenders read your collections, not a treatment schedule. Sound familiar?
The Reimbursement Gap
You see the patient and bill the carrier today, then wait 45–90 days to be paid — a busy practice can have $50K–$120K sitting in unpaid claims while payroll runs every two weeks.
The Medicaid and CHIP Mix
Pediatrics carries a heavy Medicaid and CHIP share, and those payers reimburse slowest and lowest — so a full schedule can still mean a tight account and $30K–$70K in slow-moving claims.
The Payroll-Heavy Margin
Pediatrics is staff, not equipment — pediatricians, nurses, MAs, front desk — a $30K–$60K biweekly payroll that runs whether or not the carriers paid on time.
The Sick-Season Surge
Winter respiratory season can triple the volume — you staff up and stock rapid-test kits ($8K–$20K) for the rush months before the reimbursements for it land.
The Vaccine Inventory Front
You front the vaccine stock too — $40K–$80K in refrigerated inventory bought ahead of administering it and a quarter ahead of the reimbursement.
Adding a Provider or Buying In
A new pediatrician or NP costs $15K–$30K a month before their panel fills, and a partnership buy-in or absorbing a retiring pediatrician’s panel runs $150K–$350K — capital that won’t wait on a slow approval queue.
What an operator said
“Our Medicaid share is high and those claims crawl — we were profitable on paper but always tight, covering payroll out of the owner’s account. The receivables line fixed the timing, and we finally added the nurse practitioner the waiting room had needed for a year.”
Dr. Mehta · pediatric practice · Littleton, CO
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Pediatric Practices
A Line Against Insurance & Medicaid Receivables
A working line advances against your aging claims — Medicaid and CHIP included, even though they pay slowest — so slow reimbursement stops dictating your cash position.
Working Capital for the Sick-Season Surge
Working capital funds the seasonal staff-up and rapid-test stock for respiratory season, so the busiest months of the year don’t drain the account.
Capital to Grow the Panel
Working capital carries a new pediatrician or NP’s salary through the months their panel fills, so you hire ahead of the demand, not behind it.
Revenue-Based Acquisition Capital
Absorb a retiring pediatrician’s panel or fund a buy-in on revenue-based, capital-stacked financing — sized to collections and settled on the seller’s timeline, never an SBA queue.
Match Your Situation
The Funding Gaps We Close for Pediatric Practices
Match your situation to the structure. Every one of these funds on your practice’s revenue and collections, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Little equipment means little collateral to pledge | Revenue and collections underwriting, not collateral. | Working Capital | $75K–$5M+ | 1–3 days |
| Insurance and Medicaid reimburse 60–90 days out | A line advances against the claims you’ve earned. | Business LOC | $75K–$5M+ | 1–5 days |
| Payroll and the sick-season surge are weekly cash | Working capital smooths the timing. | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Pediatric Financing Is Structured
Most pediatric files fund between $75K and $5M+, structured to the vaccine-inventory front, the reimbursement gap, or the cold-chain equipment. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Business LOC | $75K–$5M+ | Revolving | Vaccine inventory, receivable timing | 1–5 days | Unsecured line, no PG by default |
| Working Capital | $75K–$5M+ | 6mo–10yr | Seasonal stock-up, payroll cycle | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Cold-chain refrigeration, testing | 3–7 days | Device serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Aging insurance claims | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on Pediatric Equipment — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Pediatrics gets squeezed from a direction other specialties don’t: a huge share of the panel is Medicaid and CHIP — the slowest-paying, lowest-reimbursing payers there are — and the margins are thin enough that timing is everything. You run a full, staff-heavy practice and still feel broke for the sixty-plus days it takes the claims to land. We advance against those receivables, Medicaid included, so a busy waiting room turns into cash on hand instead of a number on an aging report. The §179 on your exam and point-of-care gear is a nice extra; the receivables line is the point.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a pediatrics file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Pediatric Practice Financing
A Giant Inventory Loan You Give the Carriers
Pediatrics runs on a brutal cash-flow quirk: you buy vaccines by the case — $50K–$100K+ in refrigerated stock — months before you administer them and a quarter before the insurer reimburses. The well-child schedule everyone counts on you for is, in cash-flow terms, a giant inventory loan you’re giving the carriers for free. We fund the vaccine-inventory line and the receivables gap so being fully stocked never means being cash-tight, and equipment financing funds the pharmaceutical-grade refrigeration the whole inventory depends on.
One Application, 70+ Lenders
Whether it’s a revolving line for vaccine inventory, a line against your insurance receivables, or equipment financing for cold-chain refrigeration, we connect you with 70+ lenders who fund medical practices every week. Working capital, lines of credit, equipment financing, and receivables advances — $75K to $5M+, on your collections, with §179 writing off qualifying equipment the year it’s placed in service. One application, soft-pull review to start.
Common Questions
Pediatrics Financing — Questions, Answered
Yes — financing is revenue-based on your collections, not equipment collateral.
Yes — a working line advances against aging receivables, Medicaid included, so earned revenue is usable now.
Yes — it smooths the gap between weekly payroll and slow reimbursement and funds the seasonal surge.
A signed application plus four months of bank statements, a P&L, a balance sheet, and two years of returns. If recent years show losses, the specialist desk can underwrite on four months of bank statements.
Yes — buy-ins are structured revenue-based and capital-stacked on collections, not as an SBA 7(a) acquisition.
Recommended Funding
The Products That Fit Pediatrics Work
Business Line of Credit →
A revolving line fronts vaccine inventory and draws against aging claims.
Working Capital Loans →
Carry the seasonal stock-up and the payroll cycle through the reimbursement lag.
Equipment Financing →
Finance pharmaceutical-grade cold-chain refrigeration — §179 included.
Invoice Factoring →
Advance against aging insurance claims instead of waiting on the carrier.
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