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. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · 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 SBA plus equipment financing into one loan. Your first location's track record makes the second one easy to fund.
What You're Up Against
The Real Challenges Urgent Cares Face
Pricing Transparency
What Urgent Care Funding Actually Costs
Rates vary by credit, revenue, and time in business. These are typical ranges.
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, Basecamp Funding - Founder
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
Your funding specialist presents your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Urgent Care Capital Uses
What Urgent Care Businesses Use Funding For
Practice Acquisition
Buy an existing practice. Dental, medical, vet, chiropractic. SBA loans with 10% down available.
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
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
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
No hard credit pull · 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 $10M+
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 SBA with equipment financing. 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 Waiting on Banks. Get Your Urgent Care Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide