Healthcare
Working capital for
healthcare.
Cover the gap between patient services and insurance reimbursements, add equipment, or open a new practice location. Working capital up to $5M, tuned to reimbursement-cycle reality.
- Up to $5M
- No hard credit check
- Same-day decisions
- All 50 states
Funding healthcare practices
How PIRS funds healthcare practices.
Insurance receivables can take 30–90+ days to clear. Practices service patients today and wait weeks for the slowest payer in the cycle to settle. Meanwhile payroll, lease, supplies, and equipment payments don't pause.
PIRS approvals are tuned to insurance-receivable cycles. We underwrite on trailing deposits rather than a single month, and structure repayment around the actual rhythm of patient services and reimbursements.
Service today, settle in 60 days. We fund the working-capital gap in between.
Common use cases
What healthcare practices operators actually use working capital for.
Drawn from real PIRS-funded files across the category.
Bridging insurance reimbursement cycles
Cover payroll and operating costs while 30/60/90-day receivables work through clearinghouses and payers.
Medical & dental equipment purchases
Imaging systems, chairs, lasers, sterilization, lab equipment: fund the asset without a multi-month bank process.
Practice expansions & new locations
Fund build-outs, additional operatories, satellite clinics, or new physical-therapy gyms.
Hiring providers & front-office staff
Bring on additional providers, hygienists, technicians, or front-desk staff ahead of revenue ramp.
EHR upgrades & patient-experience tech
Modern PMS/EHR, online booking, telehealth tooling, and patient-experience investments without a capex hit.
Partner buyouts & practice merges
Buy out a retiring partner, fund a roll-up, or merge two practices into a single growing group.
Why PIRS
Why healthcare practices operators choose PIRS.
Underwriting tuned to how your category actually earns, not a generic credit box.
Tuned to reimbursement cycles
Underwriting expects 30–90 day insurance lags. We size around it instead of penalizing it.
Flexible for multi-provider practices
Solo practitioners, specialty groups, and multi-provider clinics all fit. We can layer with existing equipment loans.
Bank statements only
Most files approve on bank statements alone. No tax returns, no P&Ls, no full financial package.
Scales with the practice
Renewal-friendly structures as the practice grows, with repeat capital sized to your trailing performance.
A note on eligibility
A few sub-segments aren't eligible.
We say no up front. It saves everyone time.
- Cannabis-adjacent operations are not eligible.
- Pharmacies with significant controlled-substance exposure are reviewed case-by-case.
Questions we hear most
Healthcare: what operators ask first.
Can a medical or dental practice use working capital?
Does PIRS fund veterinary, dental, and behavioral-health practices?
How does working capital fit with insurance reimbursements?
I already have equipment financing. Can I still get working capital?
Can I use the funds for marketing or patient acquisition?
Adjacent verticals
Other industries we fund.
Many operators run businesses that straddle categories. Here are a few we underwrite alongside this one.
- BBB A+ Accredited
- Trustpilot
Working capital built for healthcare practices.
Apply in minutes for a soft offer with no hard credit check. A real person works your healthcare practices file from start to finish.