MCA Relief for Medical & Dental Practices
Insurance Pays Late. Your Advance Doesn't.
Reimbursement delays, denied claims, and equipment costs leave practices short on cash, and merchant cash advances make it worse when the debits don't wait. Spearpoint helps practice owners settle stacked advances while patient care continues.
Why Practice Owners Take On Advances
You see patients today, and insurance pays weeks later, if the claim isn't denied or sent back for correction. Meanwhile payroll, rent, supplies, and equipment payments don't wait for the remittance.
A merchant cash advance bridges that gap fast. But insurance revenue arrives in uneven deposits while an advance debits a fixed amount on a fixed schedule. Stack a second advance to cover the first, and the debits can start to crowd out payroll and supplies.
We match the plan to your remittance cycle
Your deposits follow payer schedules, not a daily rhythm. We review your bank activity alongside each agreement, so the plan reflects how your practice really gets paid.
Personal guarantees, front and center
As an owner-clinician, your personal exposure matters. We review every personal guarantee up front, explain where you stand, and coordinate legal support through our nationwide attorney network.
Patient care stays the priority
Our job is to take the funder pressure off so you can focus on your patients. We handle funder communication, so you don't have to.
Questions Practice Owners Ask
Does this affect my patients or my license?
Settling business debt is between you and your funders. We can't speak to licensing rules in your state, so we'll talk through any concerns in your free consultation and involve counsel where it matters.
My deposits come from insurance, not card sales. Does that matter?
Yes. How an advance is repaid, by fixed bank debits or as a share of receipts, shapes the plan, and insurance payments are irregular. We review your agreement and your bank activity together before recommending anything.
What about my equipment financing?
Equipment financing works differently from an advance. Share everything you owe in your consultation, and we'll tell you honestly what we can help with.
Can I keep seeing patients through this?
Yes, that's the point. We take over funder communication so you can stay focused on care.
Protect Your Practice
Tell us about your advances. We respond personally within 30 minutes during business hours. Free, confidential, and no obligation.
Talk to Robert →