Fast Working Capital to Grow Your Healthcare Practice
Focus on patient care, not cash flow gaps. MyCommercialFunding — led by Richard McKellar with decades of MCA and revenue-based financing experience — helps US medical practices, dental offices, clinics, and healthcare providers bridge reimbursement delays and fund growth. Same-day approvals. No liens on your equipment.
- No liens on medical equipment or practice real estate
- Bridge 30–90 day insurance reimbursement gaps
- Approvals in hours — funding in 24–48 hours
- Credit scores 500+ considered
The Healthcare Cash Flow Problem
Healthcare practices deliver services today and often get paid 30, 60, or 90 days later — if the insurance claim processes cleanly on the first submission. Meanwhile, staff salaries, supply orders, equipment leases, and rent operate on a weekly and monthly cycle that doesn't care about your reimbursement timeline.
This structural mismatch is one of the most common sources of cash flow stress for otherwise profitable medical and dental practices. Banks rarely have a fast solution, and SBA processes can take months. Alternative working capital — specifically designed around your actual cash flow cycle — fills that gap practically and quickly.
MyCommercialFunding's funding partners understand healthcare revenue cycles and structure repayment around your actual deposit patterns, not a one-size-fits-all fixed payment schedule.
What Healthcare Practices Use Funding For
Capital that respects the complexity of healthcare operations and patient care responsibilities.
Insurance Billing Gap Bridge
Maintain liquidity while waiting for Medicare, Medicaid, and private insurance reimbursements to clear. Stop letting billing lag create payroll shortfalls.
Practice Expansion
Finance new treatment rooms, office renovations, additional exam bay buildouts, or opening a second clinic location without waiting for a bank approval.
Medical Equipment
Lease or purchase updated diagnostic tools, imaging equipment, dental chairs, therapy equipment, or surgical instruments to improve patient outcomes and throughput.
Staffing & Payroll
Hire nurses, PAs, dental hygienists, or administrative staff. Cover payroll during slower billing months without reducing quality of care.
Marketing & Patient Acquisition
Fund digital marketing campaigns, patient referral programs, and community outreach initiatives to grow your active patient panel.
Compliance & Overhead
Cover licensing renewals, software subscriptions (EHR/EMR), malpractice insurance premiums, and regulatory compliance costs.
Healthcare MCA vs. SBA Loan: When Each Makes Sense
Not every healthcare practice should use an MCA, and we will tell you that honestly. Here's a straightforward comparison to help you think through what makes sense for your situation:
| Factor | MCA (via MCF) | SBA Loan |
|---|---|---|
| Time to Fund | 24–48 hours | 30–90 days |
| Credit Requirement | 500+ (revenue-primary) | 680+ typical |
| Collateral | No hard collateral | Often required |
| Cost of Capital | Higher (factor rate) | Lower (fixed APR) |
| Repayment | % of sales (flexible) | Fixed monthly |
| Best For | Urgent needs, bridge capital, bad credit | Long-term investment, good credit, patient timeline |
Bottom line for healthcare providers: If you need capital in days and can tolerate higher cost, an MCA through MyCommercialFunding is the practical choice. If you qualify for an SBA 7(a) loan and can wait 60–90 days, that lower rate is worth pursuing. Many practices use an MCA to bridge immediate needs while a longer-term SBA application processes.
What Does a Healthcare Practice Need to Qualify?
- Minimum 4–6 months in practice operation (12+ preferred for larger advances)
- Average monthly gross deposits of $15,000 or higher (from all revenue sources including insurance reimbursements, co-pays, and direct-pay patients)
- Credit scores beginning at 500+ — revenue and banking history are primary underwriting factors
- 3–6 months of business bank statements
- One-page application, government-issued ID, and voided business check
- Provider NPI number or practice EIN
- No active, open bankruptcy proceedings
Frequently Asked Questions About Healthcare Practice Funding
"The insurance billing gap used to create payroll stress every quarter. MyCommercialFunding provided the bridge capital we needed and didn't require us to put our diagnostic equipment on the line."
Dr. Sarah L.
Founder, Garden State Family Medicine
Your Practice Deserves Better Cash Flow
Same-day approvals. Funded in 24–48 hours. No liens on medical equipment or real estate.
Check Practice Qualification