Yes. Healthcare is the fastest-growing MCA segment in 2026, up 4 percentage points in market share since 2022. Medical practices, dental offices, chiropractic practices, veterinary clinics, and behavioral health practices all qualify.
T.A.G. Business Funding · 2026 Guide
Healthcare is the fastest-growing MCA segment — and has the lowest average factor rate of any industry. A guide to all funding options for medical, dental, chiro, vet, and behavioral health practices, with typical industry figures.
| Practice Type | Avg. Factor Rate | Rate Range | Approval Rate | Avg. Advance | Key Driver |
|---|---|---|---|---|---|
| Medical Practice (private) | 1.18 | 1.10–1.26 | 78% | $84,200 | Insurance reimbursements = consistent deposits |
| Dental Practice | 1.20 | 1.12–1.28 | 76% | $72,400 | High cash-pay mix + strong insurance |
| Chiropractic / Physical Therapy | 1.22 | 1.14–1.30 | 72% | $48,600 | Consistent session-based billing |
| Veterinary Clinic | 1.23 | 1.14–1.32 | 71% | $58,800 | High cash/card pay ratio, low A/R risk |
| Behavioral Health / Therapy | 1.24 | 1.15–1.33 | 68% | $36,400 | Strong but lower-volume billing |
| Urgent Care / Walk-In Clinic | 1.25 | 1.15–1.34 | 69% | $64,200 | High volume, some seasonal variation |
| Med Spa / Aesthetic Practice | 1.28 | 1.18–1.38 | 62% | $44,800 | More cash-pay volatility; trends-dependent |
| Home Health Agency | 1.29 | 1.18–1.40 | 60% | $52,400 | Medicaid/Medicare reimbursement lag |
Best for: Practice expansion, equipment, working capital with 30-90 day timeline.
Cost: 10–13% APR
Speed: 30–90 days
Requires: 2+ years, 640+ FICO, collateral
Best for: Outstanding insurance claims with 30–90 day reimbursement lag. Underwritten on payer, not practice credit.
Cost: 1–4%/month of claim value
Speed: 1–3 days
Advance rate: 60–85% of claim face value
Best for: Imaging equipment, dental chairs, laser systems, diagnostic tools. Equipment is its own collateral.
Cost: 6–18% APR
Speed: 3–10 days
Requires: 12 months, 600+ FICO
Best for: Urgent working capital, payroll, unexpected costs — when insurance reimbursement hasn't cleared.
Cost: 1.18–1.29 factor rate
Speed: 24–72 hours
Requires: 6+ months, 500+ FICO, $4K–$6K+/mo deposits
If your practice has outstanding insurance claims (30–90+ day reimbursement cycles with Medicare, Medicaid, or commercial insurers), medical A/R factoring is almost always the better option than MCA for that specific gap. Factoring advances against the actual claims — the cost is a percentage of the claim value (1–4%/month), which is typically much cheaper than MCA at 1.22 factor rate. MCA makes more sense when you need working capital beyond what outstanding A/R covers, or when you need same-day funding and factoring setup would take longer.
| Use of Proceeds | Share of Healthcare MCA | Better Alternative When Available |
|---|---|---|
| Payroll (staff, physicians) | 31% | LOC draw, if established |
| Medical / dental equipment | 28% | Medical equipment financing (6-18% APR) |
| Insurance reimbursement gap | 22% | Medical A/R factoring (often cheaper) |
| Facility renovation / expansion | 11% | SBA 7(a) if time allows |
| Supplies / inventory | 8% | Vendor terms / net-30 accounts |
T.A.G. works with medical, dental, chiro, vet, and behavioral health practices. We present multiple offers and recommend lower-cost alternatives when available.
Apply Now → 330-238-3003City-specific guides for medical practices, clinics, and health services businesses.
T.A.G. Business Funding
500 FICO minimum. Bank declines OK. Revenue matters more than credit score. Most decisions in 24 hours.
500 FICO minimum · $4K–$6K+/month revenue · Funded in 1–3 days
