Medical practice funding for clinics and dental offices
Not a lender.
We work the file, not a single product.
Shopped for fit.
Sent only where it matches, and nowhere else.
You make the call.
Funders' terms in writing. Nothing moves until you choose.
- Cost to apply
- Nothing. Applying asks for no payment.
- Credit
- Ask how any credit review works before you sign.
- Speed
- We make no timing promise. Each funder sets its own review time.
- Offers
- Each one shows total payback and terms from the funder.
Who this page is for: doctors, dentists, chiropractors, vets and therapy practices, plus brokers with practice files.
Why does reimbursement timing matter for a practice?
Timing matters. A practice pays staff and suppliers now and gets paid by insurers weeks later.
A month of heavy treatment can show up as a thin account before the reimbursements catch up. Funders look for steady insurer deposits over several months. That shows the flow of claims is real.
Staffing agencies face a similar wait on the client side, and gyms collect on a schedule too.
Payer mix and concentration in medical practice funding
Funders view payer mix as a measure of how predictable reimbursements are. A practice paid by many known insurers reads one way.
A practice that leans on one payer or on patient finance reads another.
Commercial insurer payment lag
Payments from commercial insurers arrive on their own schedules and can lag treatment by weeks. Steady deposits from several insurers read as a stable base.
One payer behind most of the revenue
A practice paid mostly by one insurer or program is at risk if that payer changes its rules. Funders note the concentration.
Summarizing a large payer contract
If a large payer contract is in place, a summary of its term helps explain the concentration. Funders read it alongside the deposits.
Renewal date on the payer agreement
Put the payer agreement's renewal date in the summary. A contract that renews soon raises a question a funder will ask anyway.
Patient financing payouts net of fees
Payouts from patient financing companies arrive net of their fees. Funders count the net amount that reaches the account.
Deposits a funder separates on a practice statement
A funder separates a practice's deposits into a few streams:
A practice with one advance already is read as a second position. The bank statement guide shows how funders split insurer deposits from patient payments.
| Deposit type | How it reads |
|---|---|
| Insurance reimbursements | Steady but delayed; the core of most practices |
| Patient card payments | Daily, smaller amounts |
| Patient financing payouts | Lump sums from third-party lenders, net of their fees |
| Transfers from the owner | Removed from true deposits |
Are there privacy concerns in sending practice statements?
Bank statements generally show payer names and amounts, not patient records. Still, never send patient charts or clinical information, because funders do not need them.
Send statements after the desk replies with how to share them.
Practice owners ask
Can a dental practice use an advance for new equipment?
A dental practice can use an advance for equipment. For big items, equipment financing often fits better. Advances are used when timing or eligibility makes other financing hard. Compare both before choosing.
Are insurance reimbursements treated as practice revenue?
Yes. Insurer payments deposited into the practice account count as revenue. Funders look at their regularity over several months. A sudden drop may prompt questions about billing or payer changes.
Does a practice need to share patient information to apply?
No, applying requires business bank statements and business details, not patient records. Payer names on statements are enough for a funder's read. Never send clinical information.
Sources
- The Federal Trade Commission's Protecting Personal Information: A Guide for Business says to keep only the data you need (fetched 2026-09-24). For medical practice funding, send statements only by the method the desk agrees with you.
Reviewed by the Afterfirst Editorial Team. Last reviewed .
Afterfirst is not a lender; all offers are subject to funder underwriting.
Cost, credit, speed and stacking
- Cost
- A practice should weigh the payback against insurance payments that arrive late. Patient pay and claims move on different clocks.
- Credit
- A clinic's claims do not answer the credit question. Ask the funder to explain how its process works.
- Speed
- We do not promise a date for a practice file. Statements that show insurance deposits help a funder most.
- Stacking
- A practice that financed equipment may already carry a debit. List it so only funders who allow another position see the file.
Send one file.
See what fits.
Next step: Apply for medical practice funding first, and send the practice statements once the desk replies with how to share them.
Or write to the desk at info@afterfirstmca.com