Working capital, built for medical practice

Don't let reimbursement lag stall the practice

Payroll runs every two weeks; the insurer reimburses in 60. The new chairside unit can't wait for the AR to clear.

We review on collections and bank activity with reimbursement lag built in — solo practice or group.

Reimbursement lag is normal
Solo & group practices
Collections, not just credit

You may qualify. Approval depends on underwriting. No obligation to accept an offer.

What happens after you check

Reviewed on revenue & bank activity
Share 3–4 months of statements if it looks viable
A specialist follows up — no obligation

Reimbursement lag is normalSolo & group practicesCollections, not just credit

Sound familiar?

You did the work in March. The payer pays in May.

A profitable practice can still run tight, because production and reimbursement live on two different calendars. This is where that shows up.

Payroll runs every two weeks like clockwork, but the insurer reimburses in 60 — so the work is done, the AR is real, and the cash still isn't in the account.

With capital in place, you meet payroll and fixed costs on schedule and let receivables clear on the payer's timeline instead of carrying the gap yourself.

The chairside unit or imaging system you need to see more patients can't wait the two or three cycles it takes for the AR to free up the cash.

With funding behind you, you add the equipment now — and start earning on it months before that capital would have surfaced from collections.

You want to add a provider or open a new service line, but every growth move means fronting salary and setup long before the first claim on it gets paid.

With working capital available, you hire and launch on your timeline rather than waiting for collections to slowly underwrite the expansion.

You may qualify on your collections and bank activity, with reimbursement lag taken into account. No obligation, and any payments are structured to fit the practice's cash flow.

60-second cash-flow stress test

How would your cash flow handle a bad week?

Use your average monthly collections/deposits. Four questions for a live range and readiness. Six quick taps — no credit pull, and nothing is saved until you choose to continue. You'll see exactly where your cash flow is exposed, and what to do about it.

Not a commitment to lend or a bank loan. Approval depends on underwriting and is not guaranteed. Full disclosures.

Common uses

What medical practice owners use working capital for

Equipment

Add or upgrade diagnostic and treatment equipment.

Hire staff

Bring on clinical or front-office staff to grow capacity.

Expand or relocate

Fund a build-out, new suite, or additional location.

Bridge reimbursements

Smooth cash flow while insurance reimbursements process.

New service lines

Launch a new service line or procedure offering.

Funding options

One conversation. The funding option that actually fits.

There's no single right way to fund a business — it depends on what the money is for and how you get paid. A funding specialist reviews your file and matches you to the option that fits your cash flow, starting with the one most small businesses reach for first.

Working Capital Advance

Business Line of Credit

Best when the need is recurring and you want to draw and repay as cash flow moves.

A revolving limit you draw from when you need it and pay down when you don't, so capital is there for the next gap without reapplying. You only carry what you actually use; access and terms depend on underwriting.

Term Loan

Best when you have a defined, one-time use and want a predictable monthly payment.

A fixed amount repaid over a set term in predictable payments — straightforward to plan around for a specific project or purchase. Amount and term depend on underwriting and the strength of the file.

Equipment Financing

Best when you're buying equipment — new or used — and want to preserve cash.

Finance the truck, oven, chair, or machine so you can put it to work now while keeping cash free for payroll and the day-to-day. The equipment itself typically anchors the deal; new and used both qualify, subject to underwriting.

Invoice Factoring

Best when capital is tied up in unpaid invoices and you can't wait on net-30/60.

Turn outstanding invoices into cash now instead of waiting weeks for customers to pay, so a slow-paying client doesn't stall payroll or your next job. Availability is based on your receivables and your customers' credit, subject to review.

FundVella is not a lender. We connect business owners with funding specialists who review your file and match you to available options. A factor rate is not an APR. You may qualify; approval depends on underwriting, payments must fit your cash flow, and there's no obligation to accept an offer.

What we look at

How files are reviewed

Reviews are based on business revenue and bank activity — not a single number. Here's what tends to matter most.

Collections pattern

Deposit and collection history with insurance reimbursement lag built in.

Payer stability

How steady revenue is across payers over time.

Time in practice

Operating history of the practice strengthens the file.

We account for insurance reimbursement cycles when reviewing deposits.

Is this a fit?

Good fit vs. may need a closer look

A “may need review” doesn't mean no — it just means a specialist will look closer.

Often a good fit

May need review

Time in practice: 6+ months operating
Time in practice: Brand new / under 3 months
Monthly collections: Steady across payers
Monthly collections: Thin or highly variable
Bank activity: Holds through 60-day lag
Bank activity: Frequent NSFs / negative days
Existing advances: None or one manageable
Existing advances: Multiple stacked advances
Statements: 3–4 months ready
Statements: Can't share statements

How it works

Three steps, no surprises

1
Complete a quick prequalification
Answer a few questions about your business. About two minutes, no obligation.
2
Share recent bank statements if the file looks viable
If the basics line up, share 3–4 months of business bank statements for a proper review.
3
Review available options if underwriting supports the file
A funding specialist may contact you to review options. Approval depends on underwriting.

Secure submission

Your details are sent over an encrypted connection.

Reviewed by a specialist

A real funding specialist reviews your file — not an instant algorithm.

Revenue-first review

Files are weighed on revenue and bank activity, not credit alone.

No obligation

Prequalifying doesn't obligate you to accept any offer.

Questions

Frequently asked

My deposits lag because of insurance — is that a problem?

Reimbursement lag is expected for practices. Underwriting reviews your deposit pattern over time, so timing gaps don't automatically count against the file.

Can funds bridge the gap while AR clears?

Yes — bridging payroll and equipment while reimbursements process is a common use. Amounts depend on underwriting and your collections history.

How much funding could my business qualify for?

It depends on underwriting — amounts are based on your revenue, bank activity, time in business, and existing obligations. A specialist reviews your file to find a range.

Business revenue & deposits
Time in business
Bank activity & existing obligations

What do I need to get started?

Just a quick prequalification. If the file looks viable, recent business bank statements (usually 3–4 months) help move it forward.

Will checking my readiness affect my credit?

Starting a prequalification doesn't trigger a hard credit check. Options are reviewed mainly on business revenue and bank activity; credit is considered, but it isn't the only factor.

Is there any obligation?

None. Submitting your information doesn't obligate you to accept an offer, and any payments must fit your cash flow. A specialist may contact you to review your inquiry.

See what you may qualify for

Start a quick prequalification based on your revenue and bank activity.