Working Capital Options for Healthcare Practices
Built around real-world cash flow, not bank timelines
Healthcare practices don’t fail because they aren’t profitable.
They struggle when timing doesn’t line up.
Insurance delays, payroll, equipment, and growth decisions don’t wait for traditional lenders.
Stat Payment Solutions helps healthcare professionals explore business funding options designed around how
practices actually operate.
Dental Practices
Cash Flow Challenges Dentists Know All Too Well
Even well-run dental offices experience pressure from:
Insurance reimbursements that take weeks or months
Payroll and staffing costs that don’t pause
Equipment purchases (chairs, imaging, CAD/CAM, scanners)
Lab expenses and supply ordering
New operatories, remodels, or second locations
Marketing and patient acquisition costs
These challenges are common, especially in growing practices.
A Smarter Way to Explore Options
Dental practices often want flexibility without disrupting patient care or spending weeks dealing with banks.
Stat Payment Solutions helps dental offices review
potential working capital solutions that may align better with:
Dental revenue cycles
Insurance-heavy practices
Growth-focused offices
Short-term cash flow needs
What to Expect
A simple way to explore options
No obligation to proceed
No requirement to change existing banking relationships
Clear explanations provided before any decision is made
You remain in control of whether anything moves forward.
All terms, costs, and details are presented before any agreement is signed.
Medical & Health Practices
When Care Comes First, But Expenses Come Fast
Medical and health practices face unique financial pressures, including:
Delayed reimbursements from insurers and payers
High payroll and staffing costs
Equipment maintenance or replacement
Technology upgrades and compliance expenses
Expansion, build-outs, or additional service lines
Seasonal or volume-based fluctuations
These challenges don’t reflect poor performance, they reflect how healthcare operates.
Options Designed for Healthcare Facilities
Many traditional lenders don’t fully understand healthcare cash flow.
Stat Payment Solutions works with healthcare-focused
funding sources that are familiar with:
Medical billing cycles
Practice overhead structures
HIPAA-conscious operations
Growth-stage practices
Non-traditional revenue timing
Clear, No-Pressure Process
Learn what options may be available
Review details before committing
Decide at your own pace
Move forward only if it makes sense for your practice
This allows practices to evaluate options that may be better suited to their operational reality.
Nothing is final unless you choose to proceed.
What This Is — and What It Is Not
This Is:
A starting point for exploring business funding options
A practical solution for short-term cash flow timing
A professional, healthcare-aware approach
This Is Not:
A loan offer
A guarantee of approval
Financial, legal, or tax advice
All final terms, disclosures, and agreements are provided prior to any funding decision.
Explore Your Options — No Obligation
If you’re a dental, medical, or health practice looking to better manage cash flow
timing, Stat Payment Solutions can help you explore what may be available.
Important Notice
Stat Payment Solutions is not a lender and does not make credit decisions. Any business funding is provided by independent third-party financing providers. Those providers determine the approval, pricing, terms, and required disclosures for any financing offer. Stat Payment Solutions may communicate those terms and disclosures to the business on the provider’s behalf. No financing is completed unless the business reviews and agrees to the provider’s terms and disclosures.
Ready to Explore Your Funding Options?
Take the first step toward better cash flow management for your healthcare practice.
What Is a Merchant Cash Advance (MCA)?
A Merchant Cash Advance provides your business with fast access to working capital based on future receivables. Instead of fixed monthly payments, repayment is made through a small portion of your sales until the agreed amount is complete.
Key Benefits:
- Fast approvals and quick funding (often 24 hours)
- Minimal documentation compared to bank loans
- Flexible use of funds
- Repayments adjust with revenue flow
Stat Payments works with a broad network of funding sources, giving your business access to competitive and flexible capital options.
Why Businesses Choose MCA Funding
MCAs help business owners move quickly, especially when traditional
financing is slow, difficult, or unavailable.
Ideal For:
- Businesses needing fast cash flow support
- Companies expanding, hiring, or purchasing equipment
- Owners wanting a simple and streamlined process
- Businesses experiencing seasonal fluctuations
Not a Fit For:
- Startups with no revenue history
- Businesses with highly inconsistent bank activity
- Owners unwilling to share bank statements
Because we are not tied to one funder,
we can source options that best
align with your revenue and operational needs.
Eligibility & Documentation
Clear requirements and transparent process for your funding application
Basic Eligibility Criteria
Most funding sources look for:
- At least 3 months of recent business bank statements
- Monthly revenue commonly around $20,000+ (varies by provider)
- Business operating 6–12 months or longer
- Limited NSF/overdraft activity
- FICO score typically 500+ (varies)
- Industry must fall within approved categories
- No active bankruptcy
Required Documents
Having these documents ready helps your file
move quickly through underwriting.
Standard Requirements:
- Short funding application
- Last 3–6 months of business bank statements
- Valid photo ID for each owner
- Voided business check or bank verification
Additional Documents for Higher Funding:
- Profit & Loss statement
- Balance sheet
- Accounts Receivable aging report
- Work-in-Progress report
- Most recent business tax return
Underwriting Review Factors
Underwriters focus heavily on cash flow and business stability.
They typically review:
- Average daily balance
- Consistency of deposits
- Number of NSFs/overdrafts
- Incoming vs. outgoing cash flow
- Existing loans or advances
- Trends showing growth or decline
- Any inconsistencies in bank activity
May Require Additional Review:
- Repeated negative daily balances
- Large unexplained deposits
- Recently opened bank accounts
- Multiple existing MCAs (“stacking”)
× Common Decline Reasons
Applications are often declined due to:
- Unstable or insufficient monthly revenue
- High NSF/overdraft activity
- Too many existing advances
- Restricted industry
- Mismatched or inconsistent bank statements
- Active bankruptcy
- Low or unpredictable cash flow
√ Strong Approval Indicators
Approvals come faster with stronger terms
when your business shows:
- High and stable monthly revenue
- Consistent deposits
- Low NSFs
- Strong average daily balance
- Long operating history
- Minimal existing debt
- Growth trend in deposits
- Clean, verifiable statements
Funding Process
A clear, straightforward, step-by-step process
Apply
Submit your basic business details and upload your bank statements through our secure system.
Review Offers
If approved, you’ll see the available funding options along with the repayment details.
Verification & Contract
Underwriters verify your documents. Once approved, a contract is issued for e-signature.
Fast Funding
After signing, funds are sent to your business bank account — often the same day or next business day.
Repayment
A small portion of your receivables is automatically remitted daily or weekly until the advance is complete.
Renewals (Optional)
Some funding partners allow for additional capital once a percentage of the current advance is repaid.
Throughout the process, Stat Payments helps coordinate and keep things moving, while the funding partner handles approvals, disclosures, and contracts
What to Consider Before Accepting Funding
Merchant Cash Advances are powerful tools, but every business should make an informed decision.
Understand These Points:
- MCAs use a factor rate instead of APR
- Payments are frequent (daily or weekly)
- Fast access sometimes comes with higher cost compared to bank loans
- Repayment affects daily cash flow
- You should have a clear purpose for the capital
- Ensure the funding amount aligns with ROI or stabilization goals
Decision Checklist
✅ Do your bank statements show stability?
✅ Is your revenue consistent enough to support repayment?
✅ Do you understand the full repayment amount?
✅ Do you know how you will use the capital?
✅ Does the working capital help your business grow or stabilize?
If these align, MCA funding may be a strong short-term solution for your business needs.
Get Started With Stat Payments
If your business needs fast, flexible working capital, Stat Payments makes
the process smooth and straightforward.
How to Begin:
Ready to Access Fast Business Funding?
Get started today and receive your funding offer within 24 hours.
California Disclosure Notice
Stat Payments is not a lender and does not make credit decisions. Stat Payments does not provide loans or financing and does not issue funding offers. Stat Payments facilitates introductions between businesses and independent third-party funding providers.
All funding terms, disclosures, approvals, and agreements are provided directly by the funding provider. Repayment amounts, payment frequency, factor rates, and total repayment obligations vary by provider and are disclosed by the funding provider prior to acceptance.
Merchant Cash Advances are not loans and do not carry an annual percentage rate (APR). Repayment is based on a portion of future receivables and may occur daily or weekly depending on the funding agreement.
Businesses located in California may be entitled to additional disclosures pursuant to California law. These disclosures are provided by the funding provider prior to contract execution.
Stat Payments does not provide legal, financial, or tax advice. Businesses are encouraged to review all funding disclosures carefully and consult with their own advisors before accepting any working capital agreement.
Stat Payments may receive compensation from funding providers for facilitating introductions.