Imaging equipment, extended hours and clinical staff cost money long before a new clinic fills. Working capital helps owners open, equip and staff walk-in care.
Apply Now →Urgent care sells convenience: evenings, weekends, no appointment. That model needs staff on the schedule when volume is uncertain. A clinic cannot staff only for the busy hours, because a patient who waits too long goes elsewhere. The result is a payroll built for peak demand, paid through the quiet stretches.
Visits also swing with seasons. Respiratory illness, sports injuries, allergies and travel-related care come in waves, and a mild season can leave a clinic with a full schedule of clinicians and a short waiting room.
As with other medical practices, much of an urgent care clinic's revenue arrives from payers weeks after the visit. A new clinic also has to complete credentialing with insurers before it can bill normally, and the gap between opening day and steady payments can be long. Owners often discover that the clinic is busy and the account is empty at the same time.
Self-pay and occupational-health work, such as employer testing and physicals, can arrive faster and smooth the mix, but they rarely replace insurance billing entirely.
For illustration only: an established clinic wants to add on-site imaging and extend evening hours. The equipment, room work and a technologist's pay for the first months might total $90,000 before the added visits begin to pay. The owner's task is to estimate how many extra visits imaging brings per week, and to compare the added revenue with what the funding costs to repay. Without that estimate, the purchase is a guess.
Urgent care typically relies on a mix of physicians or advanced practitioners, nurses or medical assistants, front-desk staff and often a radiology technologist. Owners can control cost by matching shifts to historical volume by weekday and hour, but they still need a floor of coverage. Many clinics build a cushion before opening so they can absorb the first slow months without cutting hours, since a clinic that cuts hours loses the habit of patients coming to it.
The application takes about five minutes with a soft credit pull. We review about three months of business bank statements and no tax returns are required. FICO 500 and above is considered. Funding runs from $25,000 to $5,000,000 and can arrive in as little as 24 hours after approval. Clinic owners operating as sole proprietors can apply. Insurance deposits arriving in batches is the expected pattern for this industry.
Staffing and equipment are paid before the clinic fills, and insurance payments arrive weeks after visits, sometimes after a credentialing delay.
Yes. Working capital can go toward equipment, build-out, staffing and software. Funding runs from $25,000 to $5,000,000.
Yes. Sole proprietors can apply. We review about three months of business bank statements and no tax returns are required.
Visit volume rises and falls, but staffing does not move as quickly, so many owners hold a cash cushion for mild seasons.
No. It uses a soft credit pull, and FICO 500 and above is considered.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
