Healthcare
Business Funding for Urgent Care Clinics
Urgent care clinics fill the gap between primary care and the emergency room, and demand keeps growing as patients avoid long ER waits and high copays. Starting one requires a significant investment in medical equipment, lab capabilities, and a visible retail location. The average urgent care startup costs $500,000 to $1 million, but revenue ramps quickly because walk-in traffic starts from day one.
Common Uses
What Urgent Care Clinics Use Funding For
- Equip the clinic with X-ray, point-of-care lab testing, and minor procedure capabilities
- Lease and build out a high-visibility retail location with proper medical infrastructure
- Hire physicians, nurse practitioners, and support staff before the doors open
- Implement EMR, billing systems, and patient check-in kiosks
Funding Options
Best Funding Types for Urgent Care Clinics
SBA 7(a) Loan
The most common funding path for urgent care startups. SBA loans cover buildout, equipment, and working capital, and the 10-year terms keep monthly payments sustainable during the ramp-up period when patient volume is still growing.
Equipment Financing
Finance the X-ray system, lab analyzers, exam tables, and AED equipment as a separate loan. Urgent care equipment packages can cost $200,000 or more, and financing them separately reduces the total SBA loan needed.
Healthcare-Specific Line of Credit
Cover operating expenses during the credentialing period when you cannot yet bill insurance. Most urgent care clinics take 90 to 120 days to get credentialed with major payers, and a credit line bridges that revenue gap.
What Lenders Look For
Qualification Notes for Urgent Care Clinics
Related Industries
Related Healthcare Funding
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