30—120 Day Insurance Cycles
Commercial insurance, Medicare, and Medicaid reimbursements routinely take 30 to 120 days. Claims denials and resubmissions can extend that timeline further, creating persistent working capital gaps.
Industry
Capital for healthcare practices with predictable revenue and delayed payment.
Healthcare revenue is reliable — but it doesn't arrive fast. Insurance reimbursements take 30 to 120 days, staffing costs are immediate, and growth requires capital before new patients generate revenue. We bridge the timing gap.
Capital pressures
Where healthcare and professional services companies feel it most.
The economics of healthcare are paradoxical — demand is strong and revenue is predictable, but the gap between delivering care and receiving payment creates real capital strain.
Staffing & Payroll
Healthcare is labor-intensive. Clinicians, nurses, technicians, and administrative staff expect biweekly pay. Hiring ahead of patient volume — for a new location or expanded service line — means payroll before revenue.
New Locations & Buildouts
Opening a new practice, clinic, or office requires buildout capital — leasehold improvements, equipment, licensing, and months of operating runway before the new location reaches volume.
Medical & Diagnostic Equipment
Imaging systems, diagnostic equipment, dental chairs, surgical instruments — high-value equipment with long useful lives that can be financed against their value rather than paid from operating cash flow.
How we evaluate
We underwrite healthcare the way it actually operates.
A multi-location dental practice with $8M in revenue and 60-day average reimbursement from a mix of commercial and government payers has a very different profile than a staffing firm with the same revenue but weekly billing cycles. We evaluate your payer mix, reimbursement timing, claims performance, and growth trajectory — not just your financials.
Healthcare revenue has a quality that many industries don't — it's recurring and contractually supported. Insurance and government payers will pay; the question is when. That predictability is a strength in facility structuring. See how one practice used this to fund a $750K expansion without equity dilution.
- Payer mix — commercial insurance, Medicare/Medicaid, self-pay — and average reimbursement timelines.
- Claims performance, denial rates, and accounts receivable aging.
- Current and planned locations, patient volume trends, and expansion timeline.
- Equipment needs, lease obligations, and staffing ramp plans.
Common facility structures
How healthcare capital is typically structured.
Healthcare companies benefit from facilities designed around the predictability of their revenue — leveraging the certainty of reimbursement even when timing is slow.
Line of Credit
Draw working capital against predictable reimbursement revenue. Covers payroll, supplies, and operating expenses during the gap between service delivery and payment.
Medical Receivables Financing
Advance against outstanding insurance claims and receivables. Particularly effective for practices with high-quality payer mixes and consistent claims volumes.
Equipment Financing
Dedicated facilities for medical, dental, and diagnostic equipment. Structured around useful life with terms that preserve operating cash flow for practice operations.
Term Loan
Fixed-term capital for new location buildouts, practice acquisitions, or major investments that require a lump-sum deployment with structured repayment.
Typical profile
The practices and firms we work with most.
$2M—$100M in Annual Revenue
Medical practices, dental groups, home health agencies, behavioral health providers, veterinary groups, and professional services firms with recurring revenue models.
Predictable but Delayed Payment
Revenue is contractually supported through insurance or government payers, but reimbursement cycles of 30—120 days create a structural working capital gap.
Growth-Stage or Multi-Location
Practices expanding to new locations, adding service lines, or acquiring other practices — where growth requires capital deployment ahead of patient volume.
Let's match the right facility to your reimbursement cycle.
Start with a consultation. We'll review your payer mix, receivables, and growth plans to identify the capital structure that fits. We work with healthcare practices in California and nationwide.