Capital built for physicians, specialists, urgent care, and outpatient clinics — funded around insurance cycles, not against them.
Apply in 4 Minutes →Call (305) 384-8391Medical practices deliver care now and get paid much later. Between insurance reimbursement cycles, prior-authorization delays, and rising overhead, even a thriving clinic can feel cash-poor. Merchant Fund Express provides capital structured for how physician practices, specialty clinics, and outpatient centers actually collect — so you can invest in equipment, staff, and growth without waiting on the carriers.
As a direct funder — not a broker or marketplace — we underwrite and fund from our own capital. We have deployed over $50M to 1,000+ businesses across all 50 states, accept 500+ FICO, and reserve our most competitive pricing for 600, 650, and 700+ credit scores. Decisions land in 2-4 hours, not the weeks a bank takes.
Healthcare cash flow is dictated by the insurance reimbursement cycle. You treat a patient, submit a claim, and then wait 30 to 90 days — longer when claims are denied, downcoded, or stuck in prior authorization. A significant share of every billed dollar is also written off against contracted rates and patient balances that may never collect. Yet payroll for nurses, MAs, and front-office staff is fixed, malpractice premiums are due, and lease and EHR subscription costs never stop.
Layer in the capital demands of modern medicine — diagnostic imaging, lab analyzers, telehealth platforms, and EHR upgrades that can run into six figures — and the working-capital squeeze becomes structural. Practices that want to add a provider, open a second location, or expand into a new service line rarely have the lump-sum cash on hand, and banks underwrite physicians on the same slow, collateral-heavy terms as everyone else. We solve this with revenue-based underwriting that recognizes the strength of your collections, decisions in 2-4 hours, and repayment structures that flex with your billing rhythm.
$5K-$750K in fast capital to bridge reimbursement gaps, make payroll, and cover malpractice and overhead between collection cycles. Flexible repayment aligned to revenue.
Up to $2M over terms to 60 months for diagnostic imaging, lab analyzers, exam-room equipment, and clinic build-outs — Section 179 deductible the same tax year.
Convert slow insurance and patient receivables into immediate cash so you stop financing the payers interest-free.
An advance repaid as a small share of daily card volume — well suited to cash-pay, cosmetic, concierge, and elective-care practices.
Revolving capital you draw on only when needed — ideal for groups managing uneven monthly costs across providers and locations.
Working capital to onboard a new physician, launch a service line, or open an additional clinic as your practice grows.
typical funding for diagnostic equipment, EHR systems, build-outs, hiring, and working capital
600+ FICO unlocks our most competitive pricing. 500-599 FICO still approved with flexible options. No tax returns required under $250K. Funding range $5K-$5M.
We underwrite on your practice revenue and bank deposits, not just your FICO. A clinic with strong, steady collections can qualify even with a 500-599 score because the deposits prove the business. We accept 500+ FICO; 600+ improves pricing and 650/700+ earns our best rates and longest terms. No tax returns are required under $250K — three months of business bank statements typically support a decision in 2-4 hours.
We fund established medical practice owners with at least six months of operating history.
Consistent monthly revenue flowing through your business bank account.
Your three most recent business bank statements — no tax returns under $250K.
Operating in the United States with a valid business bank account.
Illustrative examples of the funding profiles we structure for medical practices and clinics. Amounts, terms, and timelines vary by practice revenue, credit, and use of funds.
Representative scenarios shown for illustration. Actual funding amounts, rates, and approval times depend on individual qualifications. Funding subject to approval. Not a guarantee of specific terms.
Merchant Fund Express is the funder, not the middleman. When a physician group applies, the same team that reviews the file releases the capital — so you are not handing your application to a broker who shops it around and floods your front desk with calls. We fund from our own balance sheet, which is why a clinic can apply in the morning and have a decision in 2-4 hours and money in the account the same or next business day. For a practice covering payroll between reimbursement runs, replacing a failed analyzer, or seizing an equipment deal, that turnaround is decisive.
Holding the paper also lets us be flexible in ways a bank cannot. We can align repayment to your billing rhythm, blend equipment financing with a working-capital advance, or expand a facility as you add providers and locations. Banks underwrite physicians on slow, collateral-heavy terms and treat a thriving clinic like any other small business; we recognize the durable, contracted revenue that healthcare generates and structure funding around it.
The best-run practices use funding deliberately. Revenue-producing assets — imaging systems, lab analyzers, an EHR upgrade — belong on equipment financing, where a 36-to-60-month term lets the equipment pay for itself and Section 179 captures the tax deduction in the same year. Short-term gaps, such as bridging a slow reimbursement cycle or funding a patient-acquisition campaign, fit working capital or a line of credit you tap only when needed.
Groups planning to onboard a physician, launch a service line, or open a second clinic are usually best served by a larger facility or revolving line that funds expansion without straining operations. Our team reviews your collections, deposit consistency, and growth plans, then recommends the lowest-cost structure that matches how your practice gets paid. The application takes about four minutes, carries no obligation, and an options conversation will not hurt your credit. Call (305) 384-8391 or apply online to see what your clinic qualifies for.
Most practices get a decision in 2-4 hours and funding the same or next business day after approval — far faster than the 3-6 weeks a bank or non-SBA business funding lender requires.
No. We expect them. Our underwriting is built around healthcare billing cycles, so we look at your overall revenue and deposit consistency rather than penalizing the normal 30-90 day lag in carrier payments.
Yes. We accept 500+ FICO and weigh practice revenue and bank deposits more heavily than your score. Strong collections can carry an approval in the 500s; 600+ unlocks more competitive pricing.
Yes. Equipment financing covers diagnostic imaging, lab analyzers, exam-room equipment, and clinic build-outs up to $2M over terms to 60 months, with Section 179 tax deductibility on qualifying purchases.
Absolutely. Physician groups and clinics often use a line of credit or larger working-capital facility to manage costs across providers and locations, onboard new physicians, and fund expansion.
A short application and your three most recent business bank statements. No tax returns under $250K. Most owners finish the application in about four minutes.
We fund across dozens of sectors. See related programs: Dental & Healthcare · Medical Practices · Construction · Restaurants & Hospitality · Trucking · Retail & E-commerce · All Industries. Ready to move? Start your application.
2-4 hour decisions. 500+ FICO. No tax returns under $250K. $5K-$5M available.
Start My Application →Call (305) 384-8391Recent fundings. Individual results vary; funding subject to approval.