This Is Why You're Here
Why Urgent Cares Come to Us Instead of Their Bank
You're opening a second urgent care location. Build-out, equipment, and 3 months of operating capital total $250K. The lease is signed and construction starts in 4 weeks.
Your point-of-care lab equipment needs upgrading — CBC analyzer, metabolic panel, and rapid testing devices total $65K. Your current equipment is slow and missing diagnoses.
Flu season hit and patient volume doubled. You need $30K for additional staff, rapid test kits, and extended hours. Revenue will cover it in 6 weeks but expenses are now.
Your X-ray machine went down on a Monday morning and repairs take 3 weeks. You're sending fracture patients to the ER — losing $4K a day in imaging revenue. A replacement unit is $75K and you need it yesterday.
You landed a contract with a local employer for occupational health screenings — 500 employees over 3 months. You need $20K for drug testing equipment, a part-time PA, and DOT physical supplies before the first employee walks in.
We needed $250K for our second urgent care location — build-out, lab equipment, and 3 months of working capital. Basecamp packaged an SBA loan with equipment financing and had us funded in 4 weeks.
Dr. Omar F., Urgent Care Medical Director, Atlanta, GA
Urgent Care Financing
Get Your Urgent Care Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Urgent Care Businesses Choose Basecamp
Walk-In Revenue Means Fast Approval
No appointments needed. Patients walk in and pay. Our lenders love urgent care's same-day revenue model. It makes you one of the easiest healthcare businesses to fund.
Lab and Diagnostic Equipment Funded Fast
CBC analyzers, metabolic panels, rapid strep and flu tests — $40K-$65K in point-of-care lab equipment. We fund it in days because the equipment is the collateral.
Seasonal Surges Covered Instantly
Flu season doubles your volume. You need temp staff, rapid test kits, and extended hours. Working capital in 24 hours covers the surge so you don't turn patients away.
Second Location Packages Ready
Build-out, equipment, lab setup, working capital — $200K-$400K total. We package equipment financing with working capital, adding SBA 504 if you're buying the building. Your first location's track record makes the second one easy to fund.
Bobby's Take
Bobby's Playbook for Urgent Care
Most urgent care operators are evaluated by banks the same way a retail shop is — top-line revenue, profit margin, two years of returns. What banks miss is that extended-hours walk-in volume plus lab-and-imaging ancillary revenue generates predictable cash flow that doesn't show up in P&L the way bankers expect. The specialists who fund urgent care clinics know to read your patient-per-hour throughput and ancillary revenue mix. Here's how to position your transaction so the right lenders see it first.
Three things determine whether an urgent care transaction closes: monthly visit volume, per-visit reimbursement averages across payers, and ancillary revenue (in-office labs, X-ray, occupational medicine contracts). Not your personal FICO. Not your time in practice. Specialist urgent care lenders care about whether monthly blended visit and ancillary revenue supports a $5,000-$10,000/month payment — and whether occupational-medicine or employer contracts give the file a recurring-revenue floor.
The biggest mistake urgent care operators make: applying without separating walk-in patient revenue from occupational-medicine and employer-contract revenue. The lender sees mixed deposits and prices to the variability of walk-in volume. The fix: separate occupational and employer revenue from walk-in revenue. Specialist urgent care lenders price occupational and employer contracts as recurring contracted revenue. Generalist lenders treat all visit revenue as walk-in transactional.
visit revenue lost on a delayed second-clinic opening
Where this gets interesting at scale: an urgent care operator opening a second clinic or adding occupational-medicine capacity doesn't need ONE loan. They need a revenue-based term loan against existing clinic cash flow to cover the buildout + equipment financing for the X-ray and lab equipment + a working capital line for credentialing-period payroll + sometimes equipment financing for occupational-medicine drug-screen and audiometry equipment. Four products, multiple lenders, one application — that's how single-clinic urgent care operators scale into multi-clinic urgent care brands.
The urgent care operators who scale fastest aren't the ones who waited until the first clinic's collection rate was perfect. They're the ones who had the second clinic site signed and the equipment ordered while the first was still in its growth ramp. Every quarter you delay opening the next clinic is $80,000-$160,000 in monthly visit revenue you don't capture. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your urgent care business this week.
Bottom line:
Urgent care operators get priced on walk-in variability when occupational-medicine and employer contracts are recurring contracted revenue. Separate the lines — a specialist prices the contracts as the floor.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Urgent Cares Face
Pricing Transparency
What Urgent Care Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Urgent Cares
Finance the equipment. Keep your cash. Take the deduction. Your digital x-ray system costs $51,000 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your practice, specialty, and monthly receipts. No HIPAA-sensitive uploads.
Soft Credit Screen
We screen options with no impact on personal FICO or practice commercial credit.
Healthcare-Specialty Lenders Compete
70+ lenders who fund dentists, primary care, vets, and specialty practices review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through equipment finance, working capital, and SBA structures with full transparency.
Choose Your Offer, Sign, Get Funded
E-signature. Capital lands in time to install equipment, hire staff, or cover the insurance reimbursement gap.
Urgent Care Capital Uses
What Urgent Care Businesses Use Funding For
Practice Acquisition
Buy an existing practice. Dental, medical, vet, chiropractic. Term loans + equipment financing + working capital stacked. Revenue-based underwriting through 70+ specialty lenders.
Medical Equipment
Lasers, imaging machines, dental chairs, surgical tools. Equipment financing with the device as collateral.
Payroll & Staffing
Cover payroll during reimbursement delays. Hire hygienists, techs, front desk staff. Retain your best people.
Buildout & Renovation
New exam rooms, waiting room remodel, second location buildout. Create the space your patients deserve.
Technology & EHR
Electronic health records, practice management, telehealth platforms, patient portals.
Marketing & Growth
Google Ads, patient acquisition, website redesign, reputation management. Fill your schedule.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your urgent care business?
Practice insurance — malpractice, general liability, property — is required before most equipment financing closes. InsuranceService365.com covers healthcare practices across 29 states.
Don't Wait Until You Need Funding to Get Funded
Insurance reimbursement runs 30-60 days behind the procedure. The practices that grow steadily are the ones that pre-qualified BEFORE they needed to bridge the gap. By the time payroll is tight or the imaging machine is past warranty, underwriting is harder. Pre-qualify when the schedule is full — that's when lenders are most generous.
Ready?
See What Your Urgent Care Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Healthcare Practices Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Urgent Care Businesses
Working Capital
Bridge insurance reimbursement delays. Funded in 24 hours.
Learn More →Equipment Financing
Finance imaging, chairs, and medical devices — asset-backed rates.
Learn More →SBA Loans
Practice acquisition, buildout, and expansion at government-backed rates.
Learn More →Business Line of Credit
Revolving access for supplies, staffing, and operational expenses.
Learn More →FAQs
Urgent Care Business Loan FAQs
Urgent Care Clinic Loans & Walk-In Clinic Financing — $10K to $20M+
Urgent care is a volume business. You see 40-80 patients a day and every one of them needs to be triaged, tested, and treated fast. That means your X-ray machine can't be down. Your lab analyzers have to work. And when flu season doubles your volume overnight, you need $30K for temp staff and rapid test kits yesterday. Not in 2 weeks.
We funded an operator in Atlanta $250K for a second location — build-out, X-ray, point-of-care lab, everything. Packaged equipment financing with working capital, plus SBA 504 for the building. He opened in 6 weeks. Did $180K in revenue month one. And that's the thing about urgent care — the demand is already there. Walk-in traffic means immediate revenue. Our lenders love that model. New locations, equipment upgrades, seasonal surges — one app, 60 seconds, offers in hours.
Stop Watching Reimbursement Lag Drain Your Reserves. Get Your Urgent Care Practice Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide