How cash moves
New clinics can incur fit-out, staffing and equipment costs before patient volumes stabilise. Established practices may need liquidity while claims are processed.
A practical situation
An allied-health practice adds consulting rooms and needs to fund the fit-out while protecting cash reserved for payroll.
Illustrative only; no lender acceptance or credit approval is implied.
Common funding needs
- Practice fit-outs
- Diagnostic or clinical equipment
- Opening another location
- Managing claims timing
Questions to prepare
- How stable are practitioner and patient numbers?
- Are receivables from patients, insurers or government programs?
- Can the equipment be valued and financed separately?