Funding for practices that wait on reimbursement.
Equipment, a buildout, a practice acquisition, or payroll while claims age. Advances, equipment financing and term loans for medical, dental, veterinary and chiropractic practices. Apply in two minutes with no hard credit pull.
Applying won’t affect your credit score. Accepting an offer may involve a hard inquiry.
Why this industry runs short.
A practice does the work today and gets paid by somebody else later. The patient pays a copay, the claim goes to a payer, and the payer pays on its own schedule. Meanwhile the staff is salaried, the lease is monthly, the lab bill is due, and the equipment lease does not pause while a claim is in review.
That lag is the whole financial character of a practice. It is why a busy office can be short on cash in the same month it bills its best numbers, and why the fix is almost never cutting costs. It is timing.
Equipment makes it sharper. A digital sensor, a cone beam, a laser, a new chair or an in house mill is a five figure or six figure decision that produces revenue for a decade. Paying for it out of operating cash starves the practice for two quarters. Financing it against the equipment itself lets the machine pay its own note from the procedures it makes possible.
And then there is buying a practice, or buying out a partner, which is the largest single number most clinicians will ever sign for. That belongs in a term loan or an SBA structure, not in an advance, and part of our job is saying so.
Here is what Batch does about it. Money against the deposits already moving through the account, on a schedule that fits how this industry actually gets paid. Read about how we fund businesses, or keep going for the numbers.
The six reasons this phone rings.
The money is not earmarked. These are the six things it usually goes to.
Equipment and technology
Imaging, chairs, lasers, mills, sterilization, practice management software. Financed against the equipment, so the asset carries the payment.
Buildout of a new operatory or room
Plumbing, cabinetry, lead lining and permits all land before the first patient sits in the chair.
Practice acquisition or partner buyout
The biggest number in a clinical career. This is term loan and SBA territory, and the timeline is months rather than days.
Payroll while claims age
Hygienists, assistants and front desk staff are paid on a schedule that has nothing to do with payer timelines.
Taxes and a quarterly estimate
A strong year produces a tax bill that arrives when receivables are at their thinnest. A short advance bridges it.
Marketing a new location or service line
Implants, orthodontics, aesthetics or a second office all need patients before they produce revenue.
Four ways to fund it, side by side.
Our panel's terms as of 2026-09-28. Every offer you receive shows the payback amount and the Estimated APR next to each other.
| Amount | How you pay it back | Typical time to funds | Best for | |
|---|---|---|---|---|
| Merchant cash advance | $5,000 to $2,000,000 | A fixed daily or weekly remittance until the payback amount is met. Factor rate 1.25 to 1.50, with the Estimated APR shown on every offer. | As fast as same day1 | A short gap with a known end |
| Business line of credit | Set per file by the provider | Draw what you need. Interest only on what is outstanding, weekly or monthly. | As fast as 1 to 3 days1 | A gap that keeps coming back |
| Term loan | Up to $5,000,000 through our bank partner | Fixed payments over up to 12 years, from 8.77% APR | As fast as 3 to 7 days1 | A planned investment with steady deposits behind it |
| Equipment financing | Set by the vendor quote | Monthly payments over 2 to 7 years. The equipment is the collateral. | As fast as 2 to 5 days1 | A machine, a vehicle or a buildout |
Figures as of 2026-09-28.
Run the arithmetic.
Every figure below is computed by the same math the desk prices an offer with. Every figure is an estimate, not an offer.
The dental office adding a cone beam
A CBCT unit and the room work to host it. An advance of $45,000 at a factor of 1.30, remitted weekly over eight months, while the vendor quote is worked up for equipment financing in parallel.
- Estimated advance
- $45,000
- Estimated payback amount
- $58,500
- Estimated cost of capital
- $13,500
- Estimated weekly remittance
- $1,671.43 for 35 weeks
- Estimated APR
- 80% (actuarial); simple annualized 45%
In most cases equipment financing is the cheaper answer and the advance is what gets the room ready first. The point of the comparison is that both numbers sit in front of you before you choose.
Estimates only. Your offer depends on the funding provider’s review of your statements.
The practice bridging a slow reimbursement quarter
Payroll and lab bills across a quarter where claims aged. An advance of $30,000 at a factor of 1.28, remitted daily over six months.
- Estimated advance
- $30,000
- Estimated payback amount
- $38,400
- Estimated cost of capital
- $8,400
- Estimated daily remittance
- $295.38 for 130 business days
- Estimated APR
- 103% (actuarial); simple annualized 56%
This is the right shape of problem for an advance: a known gap with a known end, where the receivable is real and just late.
Estimates only. Your offer depends on the funding provider’s review of your statements.
No hard credit pull to apply.
Estimates only. Results depend on the figures you entered and standard assumptions. This is not an offer or a guarantee of funding, does not determine eligibility, and should not be relied on as an accurate statement of the terms available. Actual terms depend on underwriting.
Five things your file is read for.
A funder does not read a business plan. It reads the bank statements. Here is what it looks for, in the order it looks.
- 01
Deposits into the practice account
A funder reads deposits, not production reports. Our panel's floor is about $10,000 a month in deposits as of 2026-09-28, and practices usually clear it comfortably.
- 02
The payer mix, in broad strokes
A practice that is mostly cash pay or mostly a few reliable payers reads differently from one spread thin across slow payers. You do not need to send claims data; two lines on the application are enough.
- 03
Time in business and ownership history
3+ months is the floor and 6 is typical. A clinician who bought an existing practice can often count its history, which is worth saying explicitly.
- 04
Existing equipment leases
Leases already coming out of the account reduce what a new file will support. List them. They are visible in the statements regardless.
- 05
Personal credit for the larger structures
An advance is driven by deposits and tolerates a 500 score. A term loan, an SBA loan or a practice acquisition looks hard at personal credit and at the clinician's own financials.
Do you meet the basics?
- 3+ months in business (6 typical)
- $10,000+ a month in deposits into the business account
- Credit of 500+, checked with a soft pull
Our panel’s floors as of 2026-09-28. Meeting them does not guarantee an offer. Missing one does not always rule you out.
Written for the operation, not the category.
Each one gets paid on its own rhythm. The funding should match it.
Dental practices
The heaviest equipment load of any small practice and the clearest return on financing it. Lab bills and supply costs move weekly.
Medical and specialty practices
Reimbursement lag is the defining constraint. Working capital smooths the distance between the visit and the payment.
Veterinary practices
Mostly paid at the time of service, which reads beautifully in bank statements, with equipment and buildout costs that rival dental.
Chiropractic and physical therapy
High visit volume, smaller tickets, a mix of cash pay and insurance. Deposits are steady and fund cleanly.
Med spas and aesthetics
Largely cash pay with expensive devices. Equipment financing and a working capital line usually run together.
Multi provider groups
More providers, more payers, bigger numbers. Term loans and lines of credit do more here than advances.
Funded in four steps.
Apply in two minutes
A short application on this site. No hard credit pull to apply.
Send three months of statements
Business bank statements, a voided check and a government ID. Add the quote or contract if the money is for something specific.
Compare offers, true cost side by side
Every offer shows the payback amount and the Estimated APR next to each other, whatever the product.
Get funded as fast as same day¹
Accept the offer that fits. The funds land in the business account.
Matt reads the file himself, the same day it comes in. He looks at the deposits, the balance days and whatever the money is for, and he calls you with a straight read on what the panel will do. If the file is a fit, it goes to the funders who write your industry and your size. If it is not a fit yet, he tells you what to fix and when to come back.
Offers come back side by side. Each one shows the amount, the payback amount, the remittance schedule and the Estimated APR in the same place. You pick one or none. Nothing is signed until you say so.
What medical and dental practices ask before they apply.
Batch Capital places equipment financing, term loans and working capital advances for medical, dental, veterinary and chiropractic practices, underwriting on the deposits that reach the practice account rather than on billed but unpaid claims.
Is a merchant cash advance appropriate for a medical practice?
Do you look at my personal credit?
Can I finance a practice acquisition?
Will my patients or my payers know?
How does this compare to the equipment financing my vendor offers?
How fast can a practice get funded?
Tell us what the money is for. We will place it.
Two minutes to apply, no hard credit pull, and a person in New Jersey who picks up.
Reviewed by Matt Curran, Director of Batch Capital
Matt runs Batch Capital's underwriting desk. He reads every file himself, prices it the way it will actually be funded, and tells a business what it can get before anything is signed. He also runs the nurture program that turns a declined merchant into a fundable one.
Last updated · Batch Capital, NJ · +1 (201) 937-9628
This page is general information, not financial, legal or tax advice. Talk to your accountant or attorney about your own situation.
Batch Capital
NJ
Mon to Fri, 8 AM to 6 PM Eastern
Batch Capital funds advances directly and also places applications with funding partners. On a partner-funded file the partner sets the terms and may pay Batch Capital.
1 Timing depends on the funding provider and how quickly documents arrive. Files with a complete application and three months of statements received before 2 PM Eastern on a business day are the ones that decide and fund fastest. Not every file funds in a day.