The care is delivered today. The reimbursement is not.
Dental, medical, veterinary, physical therapy, pharmacies and clinics all work the same way: the patient is seen now, the payer settles in 30, 60 or 90 days, and the equipment that makes the practice possible costs as much as a house.
The problem
Insurance and government payers reimburse on their own schedule, and a denied claim can take months to resolve. Staff, rent and supplies are paid on time regardless. A growing practice can be profitable on paper and short on cash every month.
Equipment is the other constant: imaging, dental chairs, lasers, lab systems, a second operatory. Each one expands what the practice can bill, and each one is expensive enough to plan around.
Practices are among the files funders like most, because the revenue is stable and recurring. That opens doors: longer terms, bank and SBA options, equipment financing on good terms. The job is putting the file in front of the right ones.
- How you get paid
- Co-pays now; insurers and payers in 30 to 90 days
- Where the gap is
- Payroll and supplies before reimbursement; equipment that expands what you can bill
- What tends to fit
- Equipment financing, SBA and bank loans, a line of credit
How we help
Equipment that expands the practice
Imaging, chairs, lasers and lab systems financed against the equipment itself, over terms that match how long it will be in use.
Bank and SBA where the file supports it
Stable, recurring revenue is what banks want to see. We assemble the file and take it to bank partners that lend to practices.
A line for the reimbursement gap
Draw to cover payroll while claims are outstanding, and repay when they settle.
What usually fits
Which one, or which two, depends on the file. These are the ones we reach for first with medical and health.