Treat Patients, Not Funders. End the daily MCA drain.
Dental practices, medical offices, urgent care centers — your billing cycle is 60 to 120 days, but your MCA is daily. We negotiate the debt down so you can keep treating patients without panicking about Friday payroll.
Why healthcare practices end up trapped in MCA debt
Healthcare practices have a structural mismatch baked into the business: months-long reimbursement cycles versus daily MCA pulls. That mismatch is exactly what we negotiate around.
Insurance reimbursement delays
Claims sit in pending for 60, 90, sometimes 120 days. Denied claims get re-submitted. Your MCA, meanwhile, pulls every single weekday without negotiation — and the gap widens.
Equipment, lease, and tech costs
Imaging equipment, chairs, EHR licensing, HIPAA-compliant infrastructure — modern practices carry serious fixed overhead. When that competes with daily MCA pulls, hiring and growth stop dead.
Clinical staffing costs are non-negotiable
Hygienists, RNs, NPs, front-desk staff — payroll cannot slip. When MCAs are pulling 40% of daily revenue, providers end up cutting their own pay or laying off staff just to keep the lights on.
Compliance overhead never stops
HIPAA. OSHA. State licensing renewals. Required CME and training. These are fixed costs that hit regardless of cash flow — and when MCAs strip the operating account, even routine compliance becomes a crisis.
Debt relief services tailored to healthcare practices
Every plan is built around the specific cash-flow realities of your industry. Here's how we get you there.
Direct negotiation with your MCA funders
We step in as your advocate, communicate directly with every funder on your behalf, and renegotiate balances and payment schedules so your practice account can actually breathe.
- Reduce total balance owed
- Stop aggressive collection contact
- Pause or restructure daily pulls
Restructure stacked advances into one plan
Multiple MCAs hitting at once? We consolidate them into a single, predictable payment that matches your insurance reimbursement cycle — not a funder's daily ACH calendar.
- One payment, not five
- Aligned to reimbursement cycles
- Lower effective cost
Lump-sum or structured settlement
When the right opportunity comes — a strong quarter, an equipment refinance, an SBA approval, or partner buy-in — we settle balances for a fraction of what's owed and close the file for good.
- Settle for up to 70% less
- Permanent closure of accounts
- UCC liens released
Post-MCA rebuild & growth planning
Once the debt is resolved, we help rebuild business credit, qualify for legitimate equipment loans and SBA programs, and put a wall between your practice and predatory funders.
- Business credit rebuild
- Equipment financing referrals
- Cash flow planning
See your potential monthly relief
Slide to your current MCA payment and we'll estimate the reduced payment we typically negotiate for healthcare practices.
Four steps from stressed to settled
Most healthcare practice clients are reviewed within 24 hours and on a reduced payment plan inside the first week.
Free consultation
A specialist who knows healthcare reviews your funders, balances, and revenue cycle — no fee, no commitment.
Custom strategy
We design a plan around your specific revenue cycle and fixed costs — not a one-size-fits-all template.
We negotiate
Our team takes over communication with every funder, negotiates terms, and gets the daily pulls under control.
Resolution
Balances are paid, settled, or restructured. You exit with a clean slate and a plan to stay there.
Healthcare-specific FAQs
The questions we get most from healthcare practice owners.