A dental practice lost a long-tenured clinical team member to retirement and found itself facing two problems at once. There was a staffing gap that needed to be filled immediately. And cash was tight, since the practice's revenue was largely sitting in pending insurance reimbursements that could take weeks to clear. With a full patient schedule and no room to scale back, the practice needed to act fast.
Vision
Scaling back hours was never on the table. The owner's priority was continuity: keep patients in their chairs, keep the team intact, and come out of the transition without losing ground. A short-term capital solution that could cover hiring costs while the insurance payments caught up was all it would take.
Opportunity
The practice already had what most businesses spend years building: a loyal patient base, a full schedule, and predictable revenue. The insurance reimbursement lag was a structural feature of the industry, not a sign of weakness. A lender who understood that could structure something that actually worked.
Challenge
Sudden Coverage Gap
The departing team member had been with the practice for years. Replacing that level of clinical experience quickly, without disrupting the patient schedule, put real pressure on the hiring timeline.
Delayed Receivables
Revenue was coming in, but slowly. Pending insurance payments left little cash available to fund recruiting, onboarding, and ongoing operations simultaneously.
Bank Timeline Too Slow
A traditional loan application would have taken weeks to process. The practice needed to move on hiring now, not after a drawn-out approval.
How Fora Financial Helped
Fora Financial structured a $50,000 approval built around the reimbursement cycle the practice actually runs on. The payback window aligned with when insurance payments would arrive. No prepayment penalty, no collateral, and a fast turnaround that put funds in place before the next scheduling decision had to be made.
Results
Full Schedule Maintained
New clinical staff was hired and onboarded without a single missed appointment or disruption to the patient schedule.
No Operational Disruption
Payroll, supplies, and day-to-day expenses were covered throughout the transition without cutting anything.
Payments Matched the Cycle
As reimbursements cleared over the following months, the practice paid down the funding on a timeline that matched how the business actually gets paid.
Conclusion
The practice came out of a potentially disruptive transition without missing a beat. Fora Financial understood the mechanics of the industry, structured accordingly, and moved fast enough to make the difference.
Why Fora Financial
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Same-Day Speed
Funds were in place when the hiring decision had to be made. No waiting on a bank timeline.
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Terms Built for the Industry
A payback schedule tied to the insurance reimbursement cycle made the structure feel natural rather than forced.
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No Collateral, No Penalty
Flat cost of capital with no prepayment penalty and no collateral requirement kept the terms simple.