Funding for Urgent Care Clinics
Urgent care carries a real receivables book, which opens the door to asset-based lending and a line of credit — capital secured by money you have already earned, sized for clinic-scale numbers.
Urgent care is built on a promise — walk in, get seen — and that promise is expensive to keep. The clinic is staffed and lit whether twelve patients come through the door or sixty, the X-ray and lab equipment carries hospital-grade price tags, and almost every visit turns into a claim that pays in one to three months. Volume swings with flu season while your fixed costs do not swing at all. Banks move at bank speed; your payroll does not. Broadway underwrites off three months of bank statements with one short form and a soft credit pull, delivers a same-day decision, and can fund in as little as 24 hours. For larger needs, we broker term loans up to $5M.
The challenge
You staff for whoever walks in, seven days a week — providers, nurses, X-ray, lab — and then wait 30 to 90 days for the payers to reimburse the visits. High fixed costs in front of slow receivables is the whole business model.
How Broadway Advance helps
Urgent care carries a real receivables book, which opens the door to asset-based lending and a line of credit — capital secured by money you have already earned, sized for clinic-scale numbers.
What owners use it for
- Carry payroll through the reimbursement lag without touching reserves
- Buy or upgrade X-ray, lab, and exam room equipment
- Staff up providers and extend hours ahead of flu season
- Open a second location and survive the payer credentialing gap
- Renovate intake and triage to move patients through faster
- Bridge a slow season without cutting the hours patients count on
See your real number in about five minutes.
Apply nowFunding options that fit urgent care clinics
Business Line of Credit
A revolving cash reserve you only pay for when you draw on it.
Flexible limits →Asset-Based Lending
Turn real estate, inventory, equipment, or credit into working capital.
Based on asset value →Term Loan
The lowest rates and longest terms, with predictable monthly payments.
Up to $5,000,000 →Urgent Care Clinics funding questions
Our receivables are large but slow. Can we borrow against them?
That is what asset-based lending is for. Your claims receivable represent money you have already earned — ABL turns that book into working capital instead of a waiting game. It typically prices better than unsecured fast money because there is collateral behind it, and the facility grows as your receivables grow. Broadway brokers ABL alongside 50+ other programs, so we can compare it against a line of credit on your actual numbers.
We're opening a second clinic. What's the honest funding picture?
A new urgent care site burns cash for months: buildout, equipment, staffing from day one, and a credentialing period where you are seeing patients before every payer has you in network. A term loan — Broadway brokers them up to $5M — usually fits the buildout, with a line of credit covering the credentialing gap. Fast unsecured capital can plug holes, but it costs more, so use it for timing problems, not for the whole project.
How fast can funding actually land if we have a payroll crunch?
For revenue-based products, genuinely fast: one short form, three months of bank statements, a soft credit pull, a same-day decision, and funding in as little as 24 hours. Asset-based facilities and term loans take longer because there is more to verify. If the crunch is this Friday, we solve this Friday first and then build the cheaper, longer-term structure behind it so you are not solving the same crunch every quarter.