Florida · Medical Clinics Industry
Medical clinics and urgent care centers face the same insurance reimbursement lag as dental practices, plus equipment and staffing costs that scale with patient volume. Florida is one of the fastest-growing state economies, with no state income tax.
Medical Clinics businesses in Florida qualify for MCA with 6+ months in business, $4,000–$6,000+/month in business bank deposits, and a 500+ FICO. Initial submission is a signed application plus 6 consecutive months of business bank statements — nothing more. Decisions typically come back in 24-72 hours.
A merchant cash advance is priced with a one-time factor rate, not an annualized interest rate. Example: a $25,000 advance at a 1.20 factor rate means $30,000 total repayment — a $5,000 cost of capital. That total is fixed at origination and repaid via a daily or weekly percentage of your bank deposits, not a fixed monthly loan payment.
| Advance Amount | Factor Rate | Total Repayment | Cost of Capital |
|---|---|---|---|
| $25,000 | 1.20 | $30,000 | $5,000 |
T.A.G. Business Funding
$4,000–$6,000+/month revenue, 6 consecutive months of statements, 500+ FICO minimum.
500+ FICO minimum · 6+ months in business · $4,000–$6,000+/month revenue
Yes. Medical Clinics businesses in Florida qualify for MCA with 6+ months in business, $4,000–$6,000+/month in business bank deposits, and a 500+ FICO. Approval is based on your deposit history, not your credit score alone.
Exactly 6 consecutive months of business bank statements — the same window used for the time-in-business minimum, with a minimum ending balance of $4,000+ each month.
No. A merchant cash advance is a purchase of a fixed amount of your future receivables, not a loan — there is no interest rate, no fixed monthly payment, and no fixed maturity date. It is priced with a one-time factor rate applied to the advance amount.
MCA amounts are typically 75%-150% of average monthly bank deposits. For example, a $25,000 advance at a 1.20 factor rate means $30,000 total repayment ($5,000 cost of capital) — repaid via a daily or weekly percentage of deposits, not a fixed monthly bill.
Last reviewed: August 2026. T.A.G. Business Funding is an independent ISO partner — not a direct lender. All examples are illustrative. Advance amounts and rates vary by business profile and funder. Not financial advice.
