Capital for medical practices, dental, chiropractic, vet clinics, urgent care, surgery centers, and DME providers.
$4.5T U.S. healthcare market — insurance reimbursements average 30–60 days
It's the 28th. Your billing manager just told you insurance is 'unusually slow' this cycle — only $94K of $310K has come in. Friday's payroll is $138K. You've already drawn down your operating reserves twice this quarter. You're thinking about delaying your associate's bonus, again. Your CFO suggests calling the bank — who will take 4 weeks to even open an underwriting file.
Your $400K working capital line covers payroll Friday morning. The associate gets her bonus on time. Insurance catches up by the 15th. The line auto-pays down. You don't even mention it at the partner meeting because it was a non-event. Three months later, you use the same line to put $80K down on the new CBCT.
If 2+ of these sound familiar, you don't have an operations problem — you have a capital problem.
You delivered $340K of services last month. Insurance has paid $74K of it. Payroll for 22 staff is Friday. You're operating a hospital on net-60.
Your ultrasound is 11 years old. The new dental chair is $48K. The CBCT is $185K. Mandatory tech keeps your practice competitive — but every upgrade is a major capital decision.
Your senior partner is retiring. The buyout is $1.4M. You either fund it or watch the practice get sold to a corporate group that turns your patients into widgets.
You want to add a second location, recruit an associate, or open a med spa wing. The opportunity is there. The capital is the question.
The new EHR mandate is $80K. The HIPAA audit prep is another $40K. None of it grows the practice — all of it must be done.
This is what healthcare owners do with Pincutt funding — and what you'd do too.
Working capital deposited the same week — payroll runs on time, no matter how slow the insurance check is.
Equipment financing with the asset as collateral. Add the technology, deduct the depreciation, keep your cash reserves intact.
SBA 7(a) for practice acquisition up to $5M with 10-year terms — buy out the retiring partner, acquire the competing clinic across town.
Expansion capital structured for multi-location healthcare groups.
EHR, HIPAA, OSHA, telehealth — fund what you must do without raiding what you want to do.