Working Capital Solutions

Bridge the Cash Flow Gap in Your Healthcare Practice

Get the working capital you need to keep your clinic running smoothly while waiting for insurance payments and patient collections.

Warning Signs You Need Working Capital

Is your clinic showing these red flags? It may be time to consider working capital solutions:

1. Financial Stress Indicators:

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  • Struggling to meet bi-weekly or monthly payroll deadlines
  • Delaying payments to medical suppliers and vendors
  • Unable to maintain adequate inventory of essential supplies
  • Borrowing from personal funds to cover business expenses

2. Operational Impact:

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  • Turning away patients due to equipment maintenance issues
  • Postponing equipment upgrades or replacements
  • Reducing staff hours or freezing hiring plans
  • Missing opportunities to expand services or locations

3. Growth Limitations:

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  • Unable to invest in new technology or treatment options
  • Missing chances to hire additional specialists
  • Referral partnerships declining due to capacity issues
  • Patients shifting to competitors with better facilities

Working Capital Solutions for Healthcare

1.

Medical Receivables Financing
Convert your outstanding insurance claims and patient receivables into immediate cash. This solution allows you to access up to 90% of your accounts receivable value while waiting for payments.

2.

Healthcare Lines of Credit
Flexible credit lines specifically designed for medical practices. Access funds as needed for operational expenses, equipment purchases, or unexpected costs.

3.

Equipment Financing
Dedicated financing for medical equipment purchases without tying up your operating capital. Preserve cash flow while acquiring essential diagnostic and treatment equipment.

4.

Revenue-Based Financing
Get funding based on your practice's monthly revenue with flexible repayment terms that align with your cash flow patterns.

5.

SBA Healthcare Loans
Government-backed loans with favorable terms for healthcare practices looking to expand, relocate, or make significant investments.

Benefits of Adequate
Working Capital

Improved Patient Care

  • Maintain fully stocked medical supplies and medications
  • Invest in modern diagnostic equipment and technology
  • Reduce patient wait times through efficient operations
  • Hire qualified medical professionals and support staff

Business Growth Opportunities

  • Expand service offerings to meet patient demand
  • Open additional locations or satellite clinics
  • Partner with specialists and referral networks
  • Invest in marketing and patient acquisition

Financial Stability

  • Meet all financial obligations on time
  • Build strong relationships with suppliers and vendors
  • Maintain excellent credit ratings
  • Create emergency reserves for unexpected expenses

Optimized Processes

  • Implement advanced practice management systems
  • Streamline billing and collections processes
  • Invest in staff training and development
  • Maintain compliance with healthcare regulations

The Power of Adequate Working Capital

1. Financial Stability Statistics

Healthcare expenses continue to grow significantly, with total hospital expense growing 5.4% in 2024, outpacing overall inflation of 2.9%*

2. Staff and Patient Care Connection

Studies show positive associations between employee satisfaction and patient experience, with poor clinician well-being associated with more medical errors*

3. Growth and Investment Needs

The healthcare workforce is rapidly expanding, with nurse practitioners projected to grow 45% between 2022 and 2032*

4. Key Takeaways for Your Practice:

Access to capital is crucial not only to healthcare institutions’ future but to the future shape of the entire healthcare system*

Key Takeaways for Your Practice*:

*Sources: American Hospital Association - Cost of Care •
National Center for Biotechnology Information - Primary Care Practice Studies •
U.S. Department of Health and Human Services - Healthcare Workforce Report •
NSCH - Healthcare Workers and Patient Satisfaction •
NCBI - For-Profit Enterprises in Health Care

Frequently Asked Questions

01 Is Lyvvora a lender or a bank? →
Lyvvora is a Lending-as-a-Service platform. We connect your clinic with multiple vetted lenders ready to fund businesses like yours.
02 What do I need to apply? →
Basic clinic info and your monthly revenue data. You can connect bank/POS OR upload financial documents manually.
03 What kinds of clinics do you work with? →
We support chiropractors, dental clinics, med spas, therapists & more — typically earning $15K+/month.
04 Does Lyvvora charge any fees? →
No upfront fees. Lyvvora earns when a match results in funding. You stay in control.

Need more help?

Check our FAQ page

Or send us your question about healthcare financing. We’ll respond with plain-English guidance
so you can decide with confidence.

Phone:   (587) 439 - 8450

Email:   sharmeenaqeel5@gmail.com