BriteCap Rx

Physician Practice Financing

You wait 47 days for the insurance check. Don’t wait that long for capital.

30–90 daysTypical insurance reimbursement lag

Built for Physician Practices

Capital that fits how your practice runs.

Physician practices operate inside the most complex reimbursement environment in business. Insurance claims sit in adjudication for 30 to 90 days. Payer mix shifts year over year. CMS rate changes ripple through every revenue line. And the technology required to stay competitive — EMRs, imaging, specialty instruments — only gets more expensive.

BriteCap Rx provides physician owners with capital structured for these realities. Larger amounts so you can make the investment that actually moves the practice forward. Longer terms so payments work alongside reimbursement cycles, not against them.

Industry-specific

The 90-day cash flow gap

You deliver care on day one. The reimbursement check shows up months later. Capital lives in between.

Day 0Service delivered
Day 14Claim submitted
Day 30–60Payer adjudication
Day 60–90Reimbursement received

Industry Reality

The independent physician practice still has the advantage.

Hospital systems have been buying up physician practices for two decades, but the data shows independent practices that invest in the right technology and the right team outperform on patient satisfaction, physician retention, and per-physician revenue. The question is whether the capital structure supports that investment — or forces a sale.

40–50 daysTypical industry benchmark for days in accounts receivable

Six figuresCost of major EMR and infrastructure transitions

42.2%Of physicians still in private practice (2024)

Sources: AMA Physician Practice Benchmark Survey, 2024; HFMA / MGMA revenue cycle benchmarks.

Common Use Cases

What practices use BriteCap Rx for

Specialty medical equipment and instruments
EMR system migration or upgrade
Practice acquisition or partner buyout
New office build-out or location expansion
Hiring providers, mid-levels, or specialty staff
Marketing and patient acquisition
Working capital for insurance reimbursement gaps
Compliance, security, and infrastructure investment

Questions We Hear

What physician practice owners ask.

Will the repayment structure work around my reimbursement cycle?

Yes. BriteCap Rx is structured around the operating realities of physician practices — including the 30-90 day insurance reimbursement lag most practices face. The underwriting accounts for that cash flow profile from the start.

Can I finance a partner buyout or practice acquisition?

Partner buyouts and practice acquisitions are core BriteCap Rx use cases. We can structure capital around the transaction while keeping operating capital available for the practice.

Does this work for specialty vs. primary care practices?

Both. Whether you’re a primary care group, a single-specialty office, or a multi-specialty practice, BriteCap Rx adjusts to the practice’s revenue profile and capital needs.

Ready? See Your Physician Practice Offer.

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