Healthcare and Medical Practices Invoice Factoring

Healthcare providers often wait 30, 60, or even 90 days for insurance companies and patients to pay. In the meantime, you still have to fund payroll, supplies, rent, and technology. Our healthcare and medical practices invoice factoring programs convert your outstanding claims and invoices into immediate working capital, so you can keep treating patients without worrying about cash flow. With instant healthcare invoice factoring, you can unlock funds tied up in receivables and put them back into your practice today.

Healthcare and Medical Practices Invoice Factoring

Traditional bank loans can be difficult to obtain for practices with complex billing patterns or heavy insurance exposure. Factoring medical invoices focuses on the strength of your receivables, not just your credit score or collateral. We review your payer mix, aging reports, and collections history to structure a facility that aligns with your specialty and claim volume.

Our facilities can grow as your practice grows. As you add providers, expand locations, or see more patients, you can submit more invoices and access additional funding. With medical practice receivables factoring, you maintain control over patient care and day-to-day operations while we help smooth out uneven reimbursements in the background.

Minimum Requirements for Healthcare Invoice Factoring

To qualify for healthcare and medical practices invoice factoring, most providers should meet these basic guidelines:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Healthcare and Medical Practices Invoice Factoring Options

Instant Healthcare Invoice Factoring

For practices that need cash right away, instant healthcare invoice factoring provides accelerated funding against approved claims and invoices. Once you submit eligible receivables, a large portion of the invoice value is advanced to you, often within 24–48 hours. When the insurer or patient pays, the remaining balance minus fees is released. This option is ideal when you need to stabilize cash flow quickly or cover a short-term gap.

Medical Invoice Factoring for Growing Practices

As your patient panel grows, so does the volume of outstanding invoices. Our medical invoice factoring programs scale with you, allowing you to submit more receivables as visit counts increase or new providers join the practice. Use this option to hire staff, expand office hours, or open a new location without waiting on slow reimbursements.

Medical Practice Receivables Factoring Facility

A dedicated medical practice receivables factoring facility is structured as an ongoing source of working capital. You can continuously factor new claims as they are generated, giving you a reliable cash stream that tracks with your billing activity. This structure is well-suited for multi-specialty groups, outpatient centers, behavioral health clinics, and other practices with steady claim volume.

Specialty Healthcare Factoring for Complex Billing

Specialties such as radiology, oncology, surgery centers, and home health often face longer reimbursement times and more complex coding. This option focuses on factoring medical invoices from commercial insurers, Medicare, Medicaid, and approved third-party payors. We work with your billing team to understand documentation requirements and design a program that supports large ticket claims and extended aging cycles.

Flexible Healthcare Factoring with Support Services

For practices that want more than just funding, this option combines factoring medical invoices with value-added services such as payment posting assistance, basic collections support, or reporting tools. You maintain control of clinical operations while gaining better visibility into cash flow, aging, and payer performance. This helps you make decisions about staffing, scheduling, and expansion with clear financial data.

Healthcare Invoice Factoring Services

Every healthcare organization is unique whether you operate a family medicine clinic, dental office, physical therapy center, or multi-location specialty group. Our healthcare invoice factoring services are customized to your specialty, payer mix, and billing processes. We understand the differences between commercial insurance, government programs, and self-pay patients, and we structure advances accordingly.

The application process is straightforward, with focused documentation requirements and clear term sheets. You receive transparent pricing, no hidden fees, and funding structures aligned with your reimbursement timelines. Whether your goal is to reduce dependence on bank credit lines, manage growth, or simply smooth out monthly cash flow, our healthcare and medical practices invoice factoring services are designed to keep your practice stable and ready for the next patient.

Who We Serve

Frequently Asked Questions

What is the process for getting healthcare and medical practices invoice factoring?

You begin by completing a short application and providing basic practice information, recent bank statements, and aging reports. We review your receivables, payer mix, and billing history, then offer a factoring proposal outlining advance rates, fees, and terms. Once your account is set up, you submit invoices electronically and receive advances directly to your business bank account.

How does repayment work when factoring medical invoices?

Instead of you collecting and then paying us back, payors send payments on factored invoices to a designated account. Those funds are used to settle the advance. Any remaining balance, after fees, is released to you. This structure allows your practice to receive funds earlier in the cycle while we handle the final collections for those specific invoices.

Can I use instant healthcare invoice factoring if I already have a bank line of credit?

In many situations, yes. We can work alongside an existing bank facility as long as receivables pledged for factoring are properly documented and permitted under your loan agreement. Our team coordinates with your bank when necessary to ensure the structure supports both relationships.

Which types of practices qualify for medical practice receivables factoring?

A wide range of providers can qualify, including primary care clinics, specialists, surgery centers, diagnostic imaging facilities, behavioral health practices, home health agencies, and therapy providers. As long as you generate eligible third-party receivables and meet basic revenue and time-in-business requirements, we can explore a factoring solution tailored to your practice.

Healthcare and Medical Practices Invoice Factoring