Healthcare Practice Funding
Private practice owners face capital challenges banks don't understand — insurance reimbursement lag, equipment requirements, and patient experience investment. MCA evaluates your deposit history, moves in 24–48 hours, and doesn't require the collateral or 2-year minimum that traditional healthcare lending demands.
Medical and dental practices qualify for MCA with 6+ months in business, $8,000+/month in deposits (including insurance reimbursements and patient copays), and a 500+ FICO. Practices with strong out-of-pocket patient payment collection qualify most easily. Insurance reimbursement deposits count. Funded in 24–48 hours, no collateral, no lengthy bank process.
Most medical practices mix insurance and cash-pay revenue. Here's how each affects your MCA profile.
Note: Medical practices with significant insurance billing should make sure all reimbursement deposits flow into a single business account before applying. A split across multiple bank accounts will understate your qualifying average.
Yes. Medical and dental practices that accept copays, cash, and card payments qualify for MCA. Practices with consistent patient volume and regular deposit patterns are solid candidates. Requirements: 6+ months in business, $8,000+/month in deposits, 500+ FICO.
Yes. Insurance reimbursement deposits from Medicare, Medicaid, and private insurers count, provided they deposit directly to your business bank account. MCA underwriting uses what actually deposits — not what's billed. Practices with high claim write-off rates will have a lower effective deposit average.
Yes. Chiropractic, physical therapy, and other allied health businesses qualify for MCA with the same criteria. Practices with strong cash-pay or health savings account patient mix have especially clean deposit patterns for underwriting.
MCA moves in 24–48 hours with minimal paperwork. Equipment financing typically requires 2+ years in business, 650+ FICO, equipment quotes, and 2–4 weeks to close. For urgent equipment needs or practices that don't meet traditional financing criteria, MCA is significantly faster and more accessible.
Yes. Insurance lag is a common cash flow challenge and doesn't disqualify a practice. Underwriters evaluate the consistent pattern of deposits, even when delayed by insurance cycles. Practices with a strong cash-pay component alongside insurance income present the cleanest files.
Common uses: diagnostic equipment, office renovation, EHR/EMR software, staff hiring, supply inventory, and new patient marketing. No restrictions on use within the practice. Many practices use MCA when equipment financing timelines don't fit an immediate need.
Yes. MCA provides dental practices with 24–48 hour funding based on bank deposit history — not collateral, 2-year requirements, or formal financial statements. Practices that have been turned down by banks for equipment loans often qualify for MCA based on their patient payment deposit patterns.
One-page application, 3 months of bank statements, funded in 24–48 hours. No collateral, no lengthy approval process. Insurance reimbursement deposits count. Call 330-238-3003 to discuss your practice's specific deposit structure.
Or call/text: 330-238-3003
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 · $8K+/month revenue · Funded in 1–3 days
