Typical funding range
$25,000 – $500,000 — that's the band most healthcare in Texas fall into. Deals smaller than $10K are uncommon (the math rarely works for the funder). Deals over $250K typically require stronger profiles or collateral.
What funders look for
- Medical receivables are creditworthy — specialty lenders price tighter than generalist MCA
- 12+ months operating typical floor; established practices unlock SBA financing
- Texas 2026 disclosure law applies to sales-based financing
- Group practices and multi-location operators qualify for larger deals
What to bring to the application
The faster you can ship these to a funder, the faster you close. Most underwriting decisions for healthcare in Texas happen in 2–4 hours once docs are complete.
- Last 3–6 months business bank statements
- Insurance AR aging report
- Voided business check
- Active medical/dental license for the majority owner
The math
A typical healthcare deal in Texas lands at a factor rate between 1.25 and 1.42. On a $50,000 advance at 1.32, you'd repay $66,000 over 9–12 months — about $260–$305/day in ACH. Our factor rate calculator lets you plug in your own numbers.
Frequently asked questions
- Is SBA 7(a) better than MCA for Texas healthcare practices?
- Usually yes, if you qualify. SBA 7(a) terms (10-year amortization, low single-digit margin over prime) make it dramatically cheaper than MCA. The barrier is paperwork and time-to-fund (30–90 days). We route established practices to SBA when fit is good.
- Does the Texas 2026 disclosure law apply to medical receivables financing?
- Yes — sales-based financing structures are covered. Medical receivables factors and MCAs operating in Texas must register and provide standardized disclosures.
- Can a Texas urgent care chain get $500K+?
- Yes — established multi-location urgent care groups often qualify for $250K–$1M from medical-specialty lenders, with terms substantially better than generalist MCA.