Industries /
Healthcare and Medical
Healthcare revenue is predictable. Cash flow isn’t.
Malpractice renews twice a year. Government payers take 90 to 120 days. A second location runs at a loss while the patient base builds. None of this is a surprise in your industry. We plan around these moments with you.
Healthcare practices generate real, consistent revenue. The challenge is the shape of the cash flow. Reimbursements arrive on a delay. Payroll and overhead do not.
We work with medical, dental, chiropractic, behavioral health, and specialty practices.
We understand that your financials look different from a retail business and we work with lenders built to evaluate practices accurately.
The situations medical practice owners actually call us about.
These aren't edge cases. They happen in practices every week. Mach works with practitioners who are dealing with exactly these problems right now.
Malpractice insurance is due. It's not optional. It's not installable. It's $40,000.
Professional liability insurance for a medical practice runs $20,000–$80,000 per year depending on specialty and patient volume. Most carriers require payment in full or a large down payment at renewal. The timing has nothing to do with your revenue cycle. You pay it or you stop practicing.
What goes wrong without capital
Medicaid and Medicare paid — but they'll get to it in 110 days.
Government payer reimbursements are predictable in amount but slow in timing. A busy month of Medicare/Medicaid patients generates real revenue that appears on your books in 90–120 days. Your staff, your rent, your supplies, and your malpractice don't wait 90 days.
What goes wrong without capital
The second location is open. It needs 9 months to build its patient base. Your first location can't fund both.
Opening a second clinical location requires buildout, equipment, additional staff, and operating capital through the ramp period — typically 6–12 months before the location reaches break-even. The first location is profitable. Trying to fund the second one from the first one's cash flow puts both at risk.
What goes wrong without capital
The imaging equipment is 12 years old. Repairs are costing more than a replacement.
Medical equipment — imaging systems, exam tables, sterilization equipment, procedure tools — depreciates slowly and fails expensively. Replacement costs run $15,000–$500,000 depending on the category. Continuing to repair aging equipment eventually costs more than financing new equipment at a reasonable rate.
What goes wrong without capital
From the people we work with.
"I wasn't sure at first if this was possible or real but Noah assured me it could be done. I needed money to win a project and fast.I had to get the funds or I would lose the contract within 24 hours... Noah had me send over the documents needed to achieve the funds, Allan worked his magic, and was able to get me approved for more than what i needed! I only took what i needed now but it feels good to know that if anything changes I have access to more funds very quickly. Thank you Noah and Allan!"
"Tony Bode is excellent at his job. He is very knowledgeable and went above and beyond to offer multiple options to best fit our business needs. I would highly recommend dealing with him if business funding needs arise for your business as they did for my business. Thank you again Tony and MACH funding."
"I found out about Mach Funding about a month ago, I applied but was not approved. But the process went exactly how Kelly explained it to me. Easy process and honest people to do business with. No gimmicks a very straight forward process. Thank you to Kelly for explaining how the product works and giving me the website to apply. I will be letting my colleagues and business partners know about Mach Funding."
"I have worked with Tony from Mach. He has always gotten back to me quickly and been able to secure funds within 24 to 48 hours. I will continue to use them for my capital needs."
"I want to take the time to thanks for extraordinary customer service provided by Mac Funding team: Michael Rodriguez, Tony Bode and Azi Sharbani. Thank you for taking the time for explaining every aspect of the loan offers and obtain the best loan that fit my financial circumstance. Thank you. Thank you, and Thank you."
The questions business owners actually ask. Straight answers.
No — it actually makes your revenue more predictable to lenders who understand healthcare. The timing is slow but the amounts are consistent. Lenders in our network who work with medical practices underwrite this correctly.
Yes. The right product depends on your timeline, your credit profile, and how much capital you need. Working capital for near-term needs, SBA for planned buildout. Your advisor reviews the specifics on the qualification call.
Insurance receivables are real but delayed. Lenders who work with healthcare understand accounts receivable cycles that run 60–120 days. They don't penalize a practice for slow-clearing payers the way a generalist lender might.
Yes. Many clients fund in 24–48 hours from a completed application. The Qualify Me form takes 5 minutes. If you have a specific deadline, tell your advisor on the call — they size the timeline accordingly.
A UCC-1 filing is standard for commercial financing and has no impact on credentialing or insurance contracting. If you have a specific concern about your payer contracts, raise it on the qualification call.
No. Solo and small group practices qualify on the same terms as larger ones. The minimum is typically 3–6 months of operating history and $10K/month in revenue. The qualification form takes 5 minutes.
Find out what you qualify for. Five minutes.
No credit pull. No bank statements at this stage. Your advisor reviews your situation and tells you honestly whether Mach can help before you commit to anything.
