Industries / Medical

MCA Debt Relief For Doctors, Dentists, Chiropractors & Medical Practices

You can run a full schedule every day and still come up short on payroll. Insurance pays in 30, 60, sometimes 90 days. Claims get denied and resubmitted. And the merchant cash advance you took to bridge the gap pulls its payment every single business day.

We help physicians, dentists, chiropractors and other practice owners lower those daily payments, handle the funders quietly and professionally, and get cash flow back on a schedule that fits how medicine actually gets paid.

Speak To A Medical Debt Specialist (866) 733-2121
Doctor in his practice office Dentist going over x-rays with a patient
Dental practice, NY$5,200 → $2,180weekly debits after enrolling
Who we work with
Doctor meeting with a patient
Insurance pays in 30 to 90 days
Denied and resubmitted claims
Expensive equipment and leases
Staff payroll that can't slip
Supply and lab costs going up
Reimbursement rates going down

Why Medical Practices Struggle With MCA Debt

Most practices aren't short on patients. They're short on timing. You provide care today, bill the payer, and wait. Meanwhile payroll, rent, supplies, lab fees and equipment leases all keep coming on their own schedule.

When a bank loan takes too long, an MCA can fund in a couple of days against your future receipts. The trouble is it gets paid back daily, while your income shows up in batches weeks later. One bad month of denials or a slow payer and the gap gets wider every week.

If you're already falling behind, read what happens when you can't make your MCA payments before you sign anything new.

Where Your Practice's Money Is Sitting Right Now

An example A/R aging report from a busy two chair dental office. Plenty of money coming, just not this week.

ACCOUNTS RECEIVABLE AGING

Insurance claims outstanding

Total$109,900
0 - 30 days
$48,200
31 - 60 days
$31,500
61 - 90 days
$17,800
90+ days
$12,400

Over $61,000 of it is more than a month old, and some of the 90+ bucket is denied claims waiting to be resubmitted.

Meanwhile, your advance takes $780 every business day
  • $3,900 a week
  • $17,160 a month
  • Whether the payer sent a check or not

A Quick Bridge That Gets Expensive Fast

An advance to cover payroll during a slow reimbursement month can make sense once. But the daily payment is set on your best numbers, and healthcare income isn't steady. A payer changes its rules, your billing person leaves and claims pile up, and suddenly the debit is bigger than what's coming in.

That's when the renewal offers start. A second advance covers the first for a while, and then there are two payments coming out every day. We see it in family practices, dental offices and chiropractic clinics alike.

"Insurance pays us in 45 to 60 days and the advance wanted money every day. Something had to give."Dr. Morales, physical therapy clinic
Dentist working with a patient

You might need MCA relief if you're...

Signs Your Practice Is Stuck In A Debt Cycle

Practice owners are usually the last to ask for help. Most tell us they wish they'd called sooner.

Using a new advance to cover the last one
Pushing back payroll or cutting staff hours
Delaying equipment repairs or supply orders
Paying lab or vendor bills late
Funders calling the front desk
Worrying the stress is showing up in patient care

How We Help Medical Practices Get Cash Flow Under Control

We plan around your reimbursement cycle and payer mix, and we keep everything discreet so your patients and staff never feel it.

01

Free, confidential review of your advances, A/R and bank statements

02

A plan built around your reimbursement cycle and payer mix

03

We handle funders quietly so collections never reach your front desk

04

One predictable payment so you can plan payroll and patient care again

Speak To A Medical Debt Specialist

Customer Results

Recent settlements for doctors, dentists and chiropractors we've worked with.

58%Savings

Dental practice, NY
Debt: $172,900
Paid: $72,620

47%Savings

Chiropractic office, FL
Debt: $63,400
Paid: $33,600

53%Savings

Med spa, CA
Debt: $118,000
Paid: $55,460

51%Savings

Physical therapy clinic, TX
Debt: $96,000
Paid: $47,040

44%Savings

Family practice, OH
Debt: $84,500
Paid: $47,320

What Doctors And Practice Owners Are Saying

Between slow insurance payments and two advances I was covering payroll out of my own pocket. That stopped within the first month.

★★★★★
DP
Dr. Patel
Dental Practice Owner

Very professional and discreet. My staff never knew anything was going on and the payments are finally manageable.

★★★★★
DA
Dr. Allen
Chiropractor

They knew exactly how to deal with the funders. I wish I had found them a year earlier.

★★★★★
NF
Nicole F.
Med Spa Owner

Insurance pays us in 45 to 60 days and the advance wanted money every day. They finally got the funder to see that. My office manager can plan payroll again.

★★★★★
JM
Dr. Morales
Physical Therapy Clinic

I was worried about this getting around. Everything was handled quietly and my staff never had to take a single collection call.

★★★★★
SK
Dr. Kim
Family Medicine

Taking a second advance to cover the first one? Why Stacking Merchant Cash Advances Makes Things Worse walks through what it really costs.

Read The Article

Common Questions Practice Owners Ask

Can I keep seeing patients during the program?

Yes. Nothing changes for your patients. You keep running your schedule and billing like normal while we work with your funders.

Will my patients or staff find out?

No. We work directly with your funders and keep everything confidential. Your patients and team don't need to know anything about it.

My funder pulls from the account my insurance deposits go into. Is that a problem?

It's very common and it's something we deal with all the time. We'll go over how your deposits and debits are set up on the consultation and talk about the safest way to handle it. Please don't move accounts on your own before talking to someone, it can make things harder.

We have equipment leases too. Can you help with those?

Our program focuses on MCAs and unsecured business loans. Equipment leases and secured loans usually work differently, but we'll look at everything on your consultation and tell you honestly what we can include.

I own more than one location. Can you help with all of them?

Yes. We'll look at the advances across all your locations and entities and put together a plan for the whole group.

Is this the same as bankruptcy?

No. Bankruptcy is a court process. Our program is worked out directly with your funders outside of court, and your business keeps running the whole time. If bankruptcy might honestly be a better fit for you, we'll say so and suggest you talk to a bankruptcy attorney.

Will this affect my credit?

It can. Restructuring or settling debt may show up on your credit, and some funders report missed payments. We'll go over what to expect on your consultation so nothing catches you off guard. Most owners we talk to are more worried about keeping the business open than about their score, but it's your call to make.

Free, Private MCA Consultation For Medical Practices

Answer a few quick questions and pick a time that works for you. It takes about a minute and there's no obligation.

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How much debt does your business have?

Please choose an amount to continue.

Do you have an MCA or unsecured business loans?

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Where can we reach you?

Book your free consultation

Ready to have your situation reviewed by a certified Workout Senior Underwriter? Start the process by booking a free initial consultation.

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Want to talk now? Call us at (866) 733-2121