Funding for medical, dental, and healthcare practices.
Bridge insurance reimbursement delays, buy equipment, or expand your practice with $10K to $2M and a same-day decision.
What practices use funding for.
Healthcare practices deliver care today and get paid by insurers weeks later. Meanwhile, staff, rent, and equipment leases don't wait. Workable Funding provides working capital based on your practice's deposits, without the months-long process of a traditional practice loan.
- Bridging insurance and Medicare reimbursement delays
- Buying imaging, dental, or diagnostic equipment
- Hiring providers, hygienists, and front-office staff
- Expanding into a second suite or additional operatories
- Upgrading EHR, billing, and practice-management software
- Funding patient acquisition and local marketing
Why practices choose Workable Funding.
Reimbursement gaps are expected
We underwrite around the lag between treatment and payer reimbursement instead of treating it as a red flag.
Weeks faster than practice loans
A one-page application and three bank statements, with a decision the same day.
No equipment collateral
Funding is revenue-based, so you don't have to pledge equipment or personal assets.
All practice types
Medical, dental, chiropractic, veterinary, physical therapy, and specialty clinics.
One funding desk
We underwrite and manage the transaction through our own desk and under our contract.
$10K to $2M
From a single chair or scanner to a full second-location build-out.
How medical and dental practices use revenue-based funding
Practices get paid by insurers, not patients, and insurers pay on their own schedule. Claims are submitted, adjudicated, occasionally denied and resubmitted, and the money arrives 30 to 90 days after the work was done. Meanwhile staff payroll runs every two weeks, the lease is due monthly, and a chair, laser or imaging unit fails without warning.
Revenue-based funding bridges that reimbursement gap using the deposits already landing in your business account. We do not require a lien on equipment, we do not need to be named on your receivables, and we do not contact your payers. Three months of business bank statements, six months in business, and $15,000 a month in deposits is the starting point.
Practices typically use advances for equipment replacement and upgrades, build-out of a new operatory or treatment room, hiring an associate or hygienist ahead of the revenue they generate, marketing a new service line, or covering payroll during a slow reimbursement stretch. Amounts commonly run $25,000 to $500,000 with fixed daily or weekly payments over six to eighteen months.
Because practice revenue is generally steadier than retail or freight, medical files often price better than a typical 1.38. Clean statements, few or no existing positions, and a healthy average daily balance are what move the number in your favor.
What a $100,000 advance looks like for a practice
A two-provider dental practice averaging $180,000 a month in deposits adds a third operatory and a new imaging unit.
- Advance amount
- $100,000
- Factor rate
- 1.38
- Total repayment
- $138,000
- Term
- About 12 months
- Daily payment (weekdays)
- About $538
- Time from application to funding
- 24-48 hours
1.38 is a common middle rate, not a floor or a cap — your rate is set from your own file — stronger deposits and fewer existing positions improve it. Illustration only — use the funding calculator for your own numbers.
What you need to qualify.
Four simple requirements. Meet these and you're a strong candidate.
Questions, answered.
Can a medical practice use an MCA for equipment?
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Yes. Funds can be used for any business purpose, including diagnostic, dental, and imaging equipment purchases.
Do you fund dental and veterinary practices?
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Yes. Dental, veterinary, chiropractic, physical therapy, and specialty clinics all qualify under the same requirements.
How do you handle insurance reimbursement delays?
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We underwrite on your bank deposits over several months, so the timing lag between treatment and payer reimbursement is already accounted for.
What documents does a practice need to apply?
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A one-page application and your three most recent business bank statements. No tax returns required.
How fast can a practice be funded?
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Most practices receive a decision the same day, with funds typically within 48 to 72 hours of approval.