Business Line of Credit
For the gap between care delivered and claims paid. Draw when remittances slow, repay as they clear, and keep the facility for the next cycle rather than applying again.
See Business Line of CreditWhat's your case?
Which funding fits your practice right now?
What it means for your cashCare is delivered today; payment follows the payer's timetable.
Business Line of Credit
Draw for the payroll run, repay as the remittances clear, and keep the facility for the next slow cycle.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashOne deposit can pull back revenue you already spent on staff and supplies.
Business Line of Credit
Draw the amount of the adjustment and repay it across the weeks that follow, so no other month absorbs it.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashA large purchase with a long service life, in a month that also carries a full payroll.
Collateral & Asset Loans
The equipment secures the loan, with a term set to how long each item stays in use: longer for a scanner, shorter for front-desk hardware.
- Range
- $10,000 – $1,000,000
- Term
- 12 – 60 months
What it means for your cashSalary runs ahead of the billable revenue that provider will produce.
Business Term Loan
A fixed payment bridges the enrollment window and is sized to the caseload the hire should carry.
- Range
- $10,000 – $5,000,000
- Term
- 6 – 60 months
What it means for your cashOne priced move that the operating account should not be asked to carry on its own.
Business Term Loan
One fixed monthly payment over a defined term, sized to the visits the new site or the bought share should add.
- Range
- $10,000 – $5,000,000
- Term
- 6 – 60 months
What it means for your cashThe service is delivered and the staff are paid; the invoice pays on their cycle.
Invoice Factoring Tool
Turns the business-to-business invoice into cash now, and approval leans on that payer's credit.
- Range
- $10,000 – $3,000,000
- Term
- ongoing facility
What it means for your cashThe money exists, it has not posted yet.
Merchant Cash Advance
For a short, urgent gap only: it costs more than a line of credit, so use it when timing is the whole problem.
- Range
- $5,000 – $5,000,000
- Term
- 3 – 18 months
What it means for your cashStacked payments hold back the month you were counting on.
Consolidation of Positions
Pays off the positions you have and rolls them into one payment sized to your deposits.
- Range
- $10,000 – $2,000,000
- Term
- 6 – 36 months
Products
Three ways to fund a practice
Collateral & Asset Loans
For imaging, dental chairs, lasers, surgical equipment and the hardware behind the front desk. The equipment secures the loan and the term matches its service life.
See Collateral & Asset LoansBusiness Term Loan
For one defined move with a known cost — a build-out, a second location, or a provider hired ahead of enrollment. Fixed payment, fixed end date.
See Business Term LoanFrom the blog
FAQ
Practice funding questions
Payroll and supplies while claims are processing, equipment and front-desk hardware, a build-out or second location, and the cost of a new provider before their paneling completes. Falcon does not restrict the use of proceeds to one category.
Yes, as one priced move on a fixed term with a fixed end date. A build-out, a second site or buying a retiring partner's share are all costs you can put a number on before you start, which is what a term loan is for.
The products run from $5,000 to $5,000,000 depending on which one you use: a line of credit up to $500,000, an equipment loan to $1,000,000, and a term loan to $5,000,000. The final number depends on deposits, time in business and, for a term loan, credit.
Some funders buy commercial insurance claims. Government payer claims carry assignment restrictions, so a line of credit or a term loan is usually the simpler route against the same cash-flow problem. Ask your specialist which fits your payer mix.
No single score applies to every product. A term loan asks for 550+; a line of credit and an equipment loan weigh revenue, time in business and bank activity more heavily.
Many products fund within 24-48 hours of approval. Timing depends on how quickly the documents arrive, so a complete statement set and a vendor quote are the two things worth having ready.
Falcon charges a 0% agreement fee. Amounts, terms and costs are disclosed in your agreement before you sign. No specific rate is published here, because it depends on your file.
Six months of business bank statements, a photo ID, a voided check, a list of any current advances or loans, and a quote or invoice for equipment. A practice needs nothing from its payers to apply.