Medicare, Medicaid, and commercial payers can take 45–120 days to reimburse. Meanwhile payroll, malpractice premiums, and supplies never wait. CashNext specializes in medical receivables — we understand the difference between billed, allowed, and collected.
Revolving line advanced against Net Realizable Value (NRV) of insurance and government receivables. Priced off historical collection curves, not gross billed.
Line sized specifically against Medicare and Medicaid claims in process. Especially useful for home health, hospice, DME, and skilled nursing facilities.
Fund the acquisition of a physician practice, dental group, veterinary hospital, or med-spa roll-up. Cash-flow-based underwriting, up to 10-year amortization.
Finance imaging (MRI, CT, ultrasound), lasers, surgical robots, dental chairs, or lab equipment with 100% financing and terms up to 84 months.
Straight-forward term loan for practice expansion, provider recruitment, tenant improvements, or bridging a slow reimbursement quarter.
For plastic surgery, cosmetic dentistry, med-spas, fertility, and other cash-pay practices — advance sized on merchant processing volume, repaid as a percentage of daily deposits.
Every industry has its own cash-flow shape. We built products that fit yours.
Payer contractuals, denials, and coinsurance mean $1M billed is often $550K collected. Bank AR lines assume gross; ours are priced on NRV so the advance actually reflects your book.
One payer audit can freeze 90 days of claims. We build reserves for ADR/RAC exposure into the facility so a hold doesn't become a covenant breach.
Adding providers or a new location doubles payroll on day one. Reimbursement for that new work shows up 60+ days later. The AR line fills the gap.
