A practice treats the patient today and gets paid for it months later. The visit generates a claim, the claim goes to a payer, and the payer answers on its own schedule. Clean claims pay in 2 to 6 weeks. Denied claims go back for rework and restart the clock, and a first-pass denial rate in the high single digits is normal rather than exceptional.
The expense side has none of that flexibility. Clinical staff are salaried, the lease is fixed, and supplies are consumed on the day of the visit. A practice can run at full capacity, bill a record month, and still be short in the same two weeks.
Growth adds its own delay. A new associate has to be credentialed with each payer before their work can be billed, which can take 90 to 150 days. You pay the provider through that whole window. The same shape applies to a new operatory, a new treatment room, or a device that needs a marketing ramp before it fills the schedule.
Byzfunder funds healthcare practices directly, from our own balance sheet. Underwriting reads your bank deposit history, not your credit score alone, which is why a practice a bank has declined can still be a fit here. Three structures cover most practice needs:
A merchant cash advance is a purchase of a portion of your future receivables at a fixed factor rate. It is not a loan and carries no APR. Repayment is a fixed weekly debit, taken automatically, and the amount is agreed before you sign - so you can test it against a month when collections run slow.
ByzFlex is revenue-based revolving capital. It is not a line of credit. You request capital, reuse it as it is repaid, and hold a standing facility against the reimbursement lag, rather than applying each time the lag bites.
A term loan suits a one-time project with a known cost: a buildout, a partner buyout, a device purchase. Term loans are advertised by Byzfunder and fulfilled through our affiliated Byzwash entity.
Typical qualification is a 525 FICO for an MCA, 550 for ByzFlex, about 20,000 dollars a month in business deposits, and a US-based business. A complete file can fund in as little as 24 hours. Every file is underwritten on its own merits and approval is never promised.
The guides below are written by practice type: dental, medical, veterinary, physical therapy, urgent care and med spa - plus how to fund around the insurance reimbursement lag and how to close an acquisition or partner buyout gap.
Reimbursement lag, credentialing gaps, and equipment costs strain physician practices. Byzfunder funds medical practices directly — one decision, no bank timeline.
Urgent care runs on extended hours, imaging equipment, and volume swings between flu season and summer. Byzfunder funds urgent care centers directly.
Digital imaging, surgical suites, and pharmacy inventory cost real money — and pet-insurance reimbursement is still spotty. Byzfunder funds vet practices directly.
PT clinics wait on Medicare and commercial insurance while payroll for licensed PTs and PTAs runs weekly. Byzfunder funds physical therapy practices directly.
How to fund the gap items in a healthcare practice acquisition, partner buy-in, or partner buyout — the earnest money, bridge, and post-close working capital SBA and bank loans don't cover.
The insurer pays in 90 days, your staff every two weeks. How deposit-based underwriting reads a medical or dental practice's real reimbursement pattern and bridges the gap.
Insurance lag, high fixed overhead, and slow collections make dental cash flow unpredictable. Here's how practice owners smooth it out — and what to do when a reimbursement gap threatens payroll.
A practical, step-by-step guide to opening a med spa — entity formation, ownership rules, licensing, buildout, equipment, staffing, and how owners actually fund the startup and the ramp.
A practical guide to financing a med spa — from laser and device costs to comparing loan options — for owners who need capital now, not in 90 days.
A practical, no-fluff breakdown of how dentists fund equipment, buildouts, staffing, and acquisitions — and when a fast, revenue-based option beats waiting on a bank.