Funding for Urgent Care & Walk-In Clinics

Cover the gap between patient visits and insurance payouts — equipment, buildout, staffing, and slow reimbursements. $10K to $5M, funded in as little as 24 hours, approved on your bank deposits.

Your clinic gets paid weeks after you deliver the care

An urgent care or walk-in clinic runs on a brutal timing mismatch. You treat the patient today. You pay your NPs, MAs, and front desk on Friday. You restock rapid tests, splints, and injectables this week. But the insurance reimbursement for that visit? That lands 30, 45, sometimes 60-plus days later — after claims processing, denials, and resubmissions.

So the money going out is fast and constant, and the money coming in is slow and lumpy. A single strong flu season or a new panel of contracted payers can actually make cash flow worse before it gets better, because you're fronting more supplies and more staff hours while the receivables pile up on paper.

Quick Biz Capital funds clinics through that gap. We approve on the deposits flowing through your business bank account — the copays, the self-pay visits, the reimbursement batches — not on your personal FICO. Soft pull to check, FICO 500+ is fine, and no collateral required for working capital.

What clinic owners actually use the money for

• Reimbursement lag / payroll bridge: Cover 4–8 weeks of NP, MA, and front-desk payroll while claims sit in the payer pipeline.
• Diagnostic equipment: Digital X-ray, point-of-care analyzers, EKG, ultrasound, autoclave — buy or replace without draining reserves.
• Buildout & second location: Exam room fit-out, ADA-compliant renovations, signage, and permits for a new walk-in site.
• Supply & med inventory: Stock up ahead of flu, RSV, and back-to-school surges before the volume hits.
• EHR / billing systems: Software, hardware, and the staff time to switch platforms or add a billing service that gets you paid faster.
• Staffing surges: Add per-diem providers or extend hours when your patient volume spikes.

A real dollar example

Say your clinic averages $85,000 a month in deposits and you take $60,000 in working capital to bridge a slow reimbursement stretch and staff up for flu season. A typical structure might run about 12 months with a total payback in the ballpark of $78,000 — roughly $1,500 a week.

That's real money, and you should know the number before you sign. The trade is straightforward: you get $60,000 today to make payroll and stock supplies while $60K-plus in receivables works its way through the payers, instead of turning patients away or missing a pay cycle because the reimbursement hasn't cleared yet. Your exact rate and term depend on your deposits and time in business — you'll see the full cost, in dollars, before you commit to anything.

How fast you can actually get funded

Here's the honest speed rule: if you send your business bank statements before early afternoon Eastern on a weekday and sign the same day, funding can arrive that same day. Submit later in the day and it's typically next business day. Apply on a Friday and you're most likely looking at Monday. No inflated "instant" promises — just the real timeline.

Straight answers

Do you fund brand-new urgent care clinics?

We approve based on the deposits in your business bank account, so we need to see some revenue history — usually a few months of statements. A clinic that's open and seeing patients with money flowing through the account is what we're looking for. Pre-revenue startups are harder, but if you're funded and running, apply and we'll tell you where you stand.

Will you pull my personal credit?

Checking is a soft pull, so it won't affect your score. FICO 500 and up is workable because the decision leans on your bank deposits, not your credit report.

How much can a clinic get?

Anywhere from $10,000 to $5 million. The minimum is $10,000. The amount you qualify for is tied to your monthly deposits and how long you've been in business.

Do I need collateral or a specific use of funds?

No collateral is required for working capital, and you can use the money for payroll, equipment, buildout, inventory, or bridging reimbursement — whatever your clinic needs. You don't have to itemize it for us.

Can I use this to add a second location?

Yes. Buildout, equipment, signage, permits, and the staffing for a new walk-in site are all common uses. If the deposits support it, the funds can go toward growth.

Get funded for your clinic

If reimbursement lag is squeezing your payroll or you need to equip, staff, or expand, apply now. It's a soft pull, you'll see your real numbers in dollars, and funding can land in as little as 24 hours.