The Pinch Points
Why Urgent Care Centers Come to Us for Capital
The build is cash out before a single patient walks in, and then the carrier sits on the claim for two months while you’re already busy. Our lenders fund the de novo build on the group’s revenue and projections. Sound familiar?
The De Novo Build
A new urgent care location — build-out, exam rooms, signage, the medical fit-out — is a $250K–$500K spend before the doors open and the first patient is seen.
Insurance Pays 60 Days After the Visit
You see the patient and bill the carrier, then wait 45–90 days — so a ramping location can be busy and still cash-tight, with $50K–$120K in claims outstanding.
The Imaging and Lab Equipment
Digital X-ray ($85K), an on-site lab analyzer ($45K), and patient monitoring are what let you bill the higher-acuity visits instead of referring to the ER — all due to open.
The Ramp to Patient Volume
A new location takes months to build a patient base; rent, providers, and staff run $30K–$60K a month before the volume catches up.
The Occupational-Health Mix
Workers’ comp and occupational-health contracts are great margin but bill on their own slow cycle — more receivables to float while the work’s already done.
The Second and Third Location
Urgent care is a multi-site game, and the next location is the same $250K–$500K build — faster than one clinic’s profit can fund it while a competitor takes the corner.
What an operator said
“We were busy from month two but the carriers had us waiting 75 days, so ‘busy’ didn’t mean ‘paid.’ The line against our claims bridged the ramp — we opened location two on schedule instead of a year late.”
Dr. Sandoval · urgent care group · Aurora, 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 Urgent Care Centers
Capital for the De Novo Build
Working capital and equipment financing fund the build-out and fit-out so a new location opens ready, not half-finished.
A Line Against Insurance & Comp Receivables
A working line advances against carrier and workers’-comp claims so a ramping clinic isn’t cash-tight while it’s already busy.
Equipment Financing for X-ray & Lab
Equipment financing funds the imaging and lab with §179 write-off ahead of the down payment.
Expansion Capital for the Next Site
Financing funds the next location on the group’s revenue, so the rollout moves at the pace of demand, not retained earnings.
Match Your Situation
The Funding Gaps We Close for Urgent Care Centers
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 | |
|---|---|---|---|---|
| The build is cash out before the first patient | Working capital funds the de novo build and fit-out. | Working Capital | $75K–$5M+ | 1–3 days |
| Carriers and comp pay 60–90 days out | A line advances against the carrier and workers’-comp receivables. | Business LOC | $75K–$5M+ | 1–5 days |
| The next site outruns one clinic’s profit | Expansion capital funds the rollout on the group’s revenue. | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Urgent Care Financing Is Structured
Most urgent care files fund between $75K and $5M+, structured to the de novo build, the imaging and lab, or the receivable gap in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | De novo build-out and fit-out | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Digital X-ray, lab analyzer, monitoring | 3–7 days | Device serves as collateral |
| Business LOC | $75K–$5M+ | Revolving | Carrier and comp receivable timing | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Aging insurance and workers’-comp claims | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on an Urgent Care Build & 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
“Urgent care is a build-and-wait business — you spend $250K–$500K on the location and equipment, open the doors, then wait months for the patient volume and another two for the carriers to pay the claims. The full build with imaging and lab runs about $575K. Finance the build with a fraction down and §179 writes off the full $575K the year it opens — more deduction than you put down, while a line against the receivables carries you through the ramp. Open ready instead of half-finished, with a receivables line carrying you to full volume.”
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 an urgent 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
Urgent Care Center Financing
A Build-and-Equip Business
An urgent care is cash out before it earns — the build-out, the exam rooms, the X-ray and on-site lab, all spent months before the patient volume ramps and the carriers pay the claims. We fund the de novo build and the equipment on the group’s existing and projected revenue, not while you wait on the carriers, and a working line advances against the insurance and workers’-comp receivables so a ramping clinic isn’t cash-tight while it’s already busy.
One Application, 70+ Lenders
Whether it’s working capital for the de novo build, equipment financing for the X-ray and lab, or expansion capital for the next corner location, 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 revenue, with §179 writing off qualifying equipment the year it’s placed in service. One application, soft-pull review to start.
Common Questions
Urgent Care Financing — Questions, Answered
Yes — financing is structured on existing group revenue plus the new location’s projections, not collateral alone.
Yes — a working line advances against carrier and comp receivables.
Qualifying equipment and qualifying build improvements placed in service can generally be written off the year they’re working; your CPA models it.
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.
Expansion capital funds the next site against the group’s revenue, so you open on the building’s timeline instead of waiting for one clinic to self-fund the next.
Recommended Funding
The Products That Fit Urgent Care Work
Working Capital Loans →
Fund the de novo build-out and fit-out so the clinic opens ready.
Equipment Financing →
Finance the digital X-ray, lab analyzer, and monitoring — §179 included.
Business Line of Credit →
Draw against carrier and workers’-comp receivable timing during the ramp.
Invoice Factoring →
Advance against aging insurance and comp claims instead of waiting 60–90 days.
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