When a business grows faster than expected, it often hits a wall. The cash flow can’t keep up with the demand.
This was the case for a healthcare company serving thousands of patients annually. They needed fast access to capital—without waiting months for bank approval.
Within two weeks, they secured $275,000. The funds arrived on a 7-year term, with fixed monthly payments. This allowed them to focus on growth instead of scrambling for cash.
This case study outlines how smart lending matched urgency with opportunity.
Client Profile: A Growing Healthcare Business
Industry and Location
The client is a mid-sized healthcare company based in the Southwest U.S. They operate multiple outpatient care clinics focused on preventive medicine and rehabilitation services.
The company’s patient base doubled in just 18 months. Most of their growth came from new regional contracts and referrals.
Business Model and Team
This is not a solo practice. The team includes licensed physicians, physical therapists, and administrative staff. They maintain a strong reputation for quality care and compliance.
Revenue was solid. But scaling operations—opening new locations, onboarding staff—required capital.
The Funding Challenge
Traditional lenders had slow processes. They wanted years of documentation, multi-week reviews, and often required collateral.
The company needed:
- Speed: They had a 30-day window to secure a new lease.
- Simplicity: They couldn’t afford complex underwriting or back-and-forth paperwork.
- Predictability: Monthly payments had to be fixed to allow budget planning.
Their main concern was delaying expansion due to red tape.
They explored working capital advances but didn’t want daily withdrawals. They needed structured, long-term funding.
The Capital Solution
Loan Terms and Structure
The approved funding was a 7-year term loan at a fixed interest rate. Monthly payments were flat, making it easier to plan long-term operations. No prepayment penalties allowed flexibility.
No collateral was required. This kept asset risk low.
Timeline and Disbursement
Once the application was submitted, funding was completed in 14 days.
Key milestones:
- Day 1: Application and bank statements submitted
- Day 3: Approval with preliminary offer
- Day 7: Underwriting completed
- Day 10: Final documents signed
- Day 14: Funds wired
This rapid turnaround allowed them to act quickly on a time-sensitive real estate deal.
Results: What $275,000 Enabled
The capital gave them the ability to:
- Open a new location in a high-traffic area
- Hire two full-time clinicians and one office manager
- Purchase additional equipment and supplies
- Launch a local marketing campaign
Within 60 days of funding, the new clinic was operational. Patient flow increased by 25%. Monthly revenue jumped by over $30,000.
Why Fixed-Term Expansion Capital Made Sense
Unlike short-term working capital loans or merchant cash advances, a fixed-term loan matched their needs.
Benefits included:
- Predictable cash flow planning
- Longer runway to ROI
- No daily withdrawals impacting operations
The structure fit the business model: steady patient revenue with long-term service contracts.
They weren’t just filling gaps. They were building capacity.
Lessons Other Healthcare Companies Can Learn
- Plan ahead for growth. Waiting too long to seek funding can limit options.
- Understand the type of loan needed. Not every product fits every phase of business.
- Choose predictable terms. Especially when expansion involves hiring and equipment.
Most importantly: Find a lender that understands your industry and timeline.
How Small Business Lending Source Made It Happen
Our team worked directly with the client to:
- Assess their funding needs
- Collect only the documents needed to start
- Structure a funding solution that fit their goals
We don’t push one-size-fits-all offers. We match businesses with funding that makes sense for their real-world plans.
That’s what helped this healthcare company secure what they needed—in just 14 days.
Conclusion: Growth Backed by Smart Capital
The right funding structure, delivered at the right time, changes everything.
This healthcare company didn’t just survive growth—they scaled up confidently.
$275,000 gave them the leverage they needed to expand, hire, and serve more patients.
If you’re looking to grow your business with smart capital, contact Small Business Lending Source today.
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