The Pinch Points
Why Primary Care Practices Come to Us for Capital
There’s no MRI to point at, so a bank sees no collateral and passes — but the business is real and the problem is timing: you make payroll every two weeks and the insurer pays sixty days behind. 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 $60K–$150K sitting in unpaid claims while payroll runs every two weeks.
The Payroll-Heavy Margin
Primary care is staff, not equipment — providers, MAs, billers, front desk — a $40K–$80K biweekly payroll that doesn’t move whether the carriers paid on time or not.
Adding a Provider Before the Panel Fills
A new physician or NP costs $15K–$30K a month in salary and benefits for the months before their patient panel — and their collections — ramp up.
The Value-Based-Care Squeeze
Shifting to value-based contracts means care-management staff at $10K–$25K a month funded now against incentive payments that land a year later.
The EHR and Equipment Refresh
A new EHR, point-of-care lab, and exam-room equipment is a $40K–$80K outlay — modest next to a hospital, but real cash against thin primary-care margins.
Buying In or Acquiring a Practice
A partnership buy-in or absorbing a retiring physician’s panel is a $150K–$400K move — capital that won’t wait on a slow approval queue.
What an operator said
“We wanted to add a nurse practitioner but couldn’t carry the salary for the six months it’d take her panel to fill. The working line covered the ramp — she’s profitable now and we’re seeing 30% more patients.”
Dr. Iyer · primary care practice · Colorado Springs, 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 Primary Care Practices
A Line Against Insurance Receivables
A working line advances against your aging claims, turning 60-day reimbursements into cash you can use this week.
Working Capital for Payroll
Working capital smooths the payroll-versus-reimbursement timing so the practice never runs tight in a slow-pay stretch.
Capital to Add a Provider
Working capital carries a new provider’s salary while their panel and collections ramp.
Revenue-Based Acquisition Capital
Buy in or absorb a retiring physician’s panel on revenue-based, capital-stacked financing — on collections, not an SBA queue.
Match Your Situation
The Funding Gaps We Close for Primary Care 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 reimburses 60–90 days after the visit | A line advances against the claims you’ve earned. | Business LOC | $75K–$5M+ | 1–5 days |
| Payroll is weekly; reimbursement isn’t | Working capital smooths the timing. | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Primary Care Financing Is Structured
Most primary care files fund between $75K and $5M+, structured to the receivables gap, the payroll cycle, or the provider you’re adding. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Business LOC | $75K–$5M+ | Revolving | Insurance-receivable timing | 1–5 days | Unsecured line, no PG by default |
| Working Capital | $75K–$5M+ | 6mo–10yr | Payroll cycle, provider ramp | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | EHR, point-of-care lab, exam rooms | 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 Primary Care 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
“Primary care fooled a lot of lenders — there’s no MRI to point at, so a bank sees no collateral and passes. But the business is real and the problem is simple: you make payroll every two weeks and the insurer pays you sixty days after the visit. We fund that gap — a line against the claims you’ve already earned — so the money you’ve made is money you can use, and the §179 on the EHR and point-of-care lab is a bonus, not the pitch. The capital that turns earned revenue into usable cash, this week instead of next quarter.”
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 primary care 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
Primary Care Practice Financing
A Business Built on the Reimbursement Gap
Primary care doesn’t run on big equipment — it runs on the gap between doing the work and getting paid for it. You see the patients and make payroll every two weeks; the insurer reimburses sixty days later, and a busy practice can have $60K–$150K sitting in unpaid claims at any moment. We fund that gap — a line against the claims you’ve already earned — so earned revenue becomes usable cash this week instead of next quarter, plus the working capital to carry a new provider while their panel fills.
One Application, 70+ Lenders
Whether it’s a line against your insurance receivables, working capital for the payroll cycle, or revenue-based capital to add a provider or buy into the practice, 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
Primary Care Financing — Questions, Answered
Yes — financing is revenue-based on your collections, not equipment collateral.
Yes — a working line advances against aging receivables so earned revenue is usable now.
Yes — that’s the core use; it smooths the gap between weekly payroll and 60-day reimbursement.
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 Primary Care Work
Business Line of Credit →
Draw against aging insurance receivables — earned revenue, usable this week.
Working Capital Loans →
Smooth the payroll cycle and carry a new provider through the ramp.
Equipment Financing →
Finance the EHR, point-of-care lab, and exam-room refresh — §179 included.
Invoice Factoring →
Advance against aging insurance claims instead of waiting on the carrier.
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