Full rooms, thin cash
First-quarter dollars sit with patients, not payers, and collect slowly. Size a line against the fourth-quarter book.
- Draw in FebruaryRepay by summer
- Collect upfrontBalances age fast
- Avoid fixed paymentsDecember flatters you
Industriespractices
Business Funding for Healthcare & Medical Practices
Care delivered is not cash collected.
One place for practice owners to measure what the billing cycle is really costing, size the working capital an aged claims book locks up, and see which financing structure fits the next move rather than the fastest one.
No hard credit pull to start. No applicant fees. Independent business capital advisors.
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Start with the move
What healthcare practices use business funding for
Pick one and the calculator below changes to the question that move actually asks.
Run the numbers first
Claims receivables calculator
A practice can be fully booked, correctly coded and genuinely profitable and still miss payroll, because the money for work already done is sitting in a claims system. This works out how much working capital that wait ties up, and what carrying it costs you across a year.
$290,000
At contracted allowed amounts. Gross charges here inflate every figure below.
85
45
Days in A/R off your ageing, plus the days it takes to get a clean claim out.
45
Collections less supplies, drugs, lab and the clinical hours the visit uses.
14
All-in annual cost of the facility you would actually draw on.
Projection
Capital tied up
At these figures, capital tied up comes out at $200,577.
Capital tied up
$200,577
Base, example figures- Unpaid balance
- $364,685
- Annual carry cost
- $28,081
Full breakdown
- Monthly carry cost
- $2,340
Key insights
- Capital tied up runs from $100,288 to $300,865 as collections a month moves from $145,000 to $435,000.
- Capital tied up rises as collections a month rises.
Nothing you type here leaves your browser
Every figure is worked out on this page. No input is sent anywhere, stored, or attached to you.
Every figure here is yours to check
It runs on the numbers you entered and nothing else, so you can rebuild any line of it by hand.
Talk to a funding specialist
A real conversation about what these numbers mean before you apply to anything.
What this model leaves out An estimate from your own inputs, not an offer and not a benchmark.Read the full note
It prices the cash you lay out to deliver the care rather than the face value of the claims, which is why the working capital figure is smaller than the unpaid balance beside it. Because the cycle here starts at the visit rather than at claim submission, that unpaid balance includes work you have not billed yet and will read higher than the insurance line on your aged trial balance. Contribution margin means collections less what you actually pay out to deliver the visit: supplies, drugs and reference lab, plus the provider and clinical staff hours it consumes. It is not your net margin, and it is not after rent or the billing office. The cycle also lengthens for reasons that are not billing problems, such as a payer mix shift or a system migration, so read this alongside the over-90 day share of your ageing rather than on its own. There is no free public benchmark for days in accounts receivable in a US practice: the organisations that measure it sell it, so your own trend month to month is the comparison worth making.
Typical healthcare practice funding requests
- $20K-$500KTypical request range
What we actually structure for this industry. Your amount depends on the file.
- 8Structures we place
Equipment, line of credit, term, SBA, asset-based, receivables, revenue-based, and a business HELOC.
- $0Cost to ask
No applicant fees and no hard credit pull to start. Funding partners set final terms.
The numbers
What this industry runs on.
- 42.2%Physicians still in private practiceAmerican Medical Association, Physician Practice Benchmark Survey ·
- 18 points in 12 yearsThe direction of travelAmerican Medical Association, Physician Practice Benchmark Survey ·
- 30.1%Benefits as a share of total compensationBLS Employer Costs for Employee Compensation, private industry, all workers ·
- 13 daysMedicare's statutory clean claim deadline42 U.S.C. 1395u(c)(2) and (c)(3)(B) ·
- $21 billionAnnual administrative savings the industry is leaving on the tableDataSpring Index, formerly the CAQH Index ·
The cash year
Healthcare seasonality and cash-flow gaps
Medical Practice Seasonality Timeline
Volume and cash trough in different months here, so fund against collections rather than the schedule.
Seasonal pattern
- Lower
- Building
- Stronger
Deductible resetFull waiting room, slow collections
Payer mix recoveryCash improves, July thins capacity
Deductible deadlineDeferred work books, cash lands later
- JAN
- FEB
- MAR
- APR
- MAY
- JUN
- JUL
- AUG
- SEP
- OCT
- NOV
- DEC
The July window
Patients travel and staff take leave, so capacity drops on both sides. It is the right window for anything disruptive.
- Schedule the disruptionMigrations and buildouts
- Plan the coverProviders set capacity
- Book it earlyNot in autumn
Fourth quarter costs cash
Every extra procedure spends supplies and staff hours now against a claim that pays later. Arrange the facility in August.
- Line it upAugust, not November
- Prebuy suppliesVolume is known
- Staff the peakHours before payment
This is the typical shape for an insured practice. Your payer mix and specialty will move both troughs.
Funding products
What actually gets placed for practices.
- Receivables financingThe claims book, against the aged trial balance
- Line of creditThe first-quarter trough and the credentialing gap
- Equipment financingDiagnostics, imaging and in-house testing
- Term loanBuildout and a second office
- Revenue-based fundingSpeed against a steady deposit record
- SBAAcquisition and partner buyout, longest terms
Monthly
The Practice Capital Brief
Once a month: what structures are actually being written for independent practices, what is moving in payment policy and payer contracting, and the compliance changes worth knowing about. No pitch, unsubscribe in one click.
Reading
Healthcare funding guides and comparisons
Everything we have published for practices, newest first. 5 pieces in total. Narrow it to the shelf you need, or read straight down the list.
- SBA Loans: How They Work & How to QualifyHow SBA loans work: the main programs, illustrative rates and terms, how to qualify, and when an SBA loan is worth the wait.Updated Jul 31, 2026
- Equipment Financing Without Draining CashHow equipment financing works, illustrative rates and terms, how to qualify, and when it beats leasing, a term loan, or paying cash.Jul 9, 2026
- Business Line of Credit: How It WorksHow a business line of credit works, what it costs, who qualifies, and when a revolving line beats a term loan or an advance.Jul 1, 2026
- MCA vs. Invoice Factoring, Which Is Right for B2B?Merchant cash advance vs invoice factoring: cost, speed, qualification. For B2B businesses with invoiced customers, factoring may cost less.Jun 9, 2026
- How to Prepare Your Business for Fast FundingThe document checklist, revenue benchmarks, and what underwriters actually look at, so you can prepare before you apply for fast funding.Apr 5, 2026
Disclosure
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Local market guides
practices funding by location
Compare local demand, operating costs, cash timing, and funding considerations in the markets where we have dedicated guidance.
Common questions
Healthcare funding questions, answered straight.
The questions owners ask before they apply, answered for practices.
Equipment financing spreads the cost across the life of the machine and uses the equipment itself as collateral, which usually beats paying cash or drawing a line. Imaging and diagnostic hardware is routinely funded this way.
Yes. That gap is the most common reason practices seek capital. Receivables financing advances against billed claims, and a line of credit smooths payroll while reimbursements settle over 30-90 days.
Most see $20K-$500K depending on collections and time in operation. Practices with strong deposit consistency and a mix of insurance and self-pay revenue tend to price better.
Often yes for an acquisition or a major build-out, because the rate is materially lower. Plan on 60-90 days. Bridge financing can hold a deal together when a seller will not wait that long.
No. Revenue-based options start around 500 FICO and weigh collections more heavily. Credit still affects pricing, and SBA or bank routes hold a higher bar.
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