funding
Patient Funding & Doctor Cash Advance Solutions
We help solve cashflow challenges in healthcare.
Patient Shortfall Funding
We offer funding solutions for patients who cannot afford medical shortfalls, co-payments, or procedures not fully covered by medical aid. This allows patients to proceed with treatment immediately while paying in manageable instalments — so doctors get paid without delays.
Patient Funding Fee Explained
To make healthcare more affordable and accessible, we offer flexible patient funding that allows you to pay your shortfall over time instead of upfront.
Our funding includes a 20% to 30% service and risk fee, depending on the repayment period you choose. This fee covers:
Immediate payment to your clinic
Administrative processing
Debit order management
Risk protection and funding costs
There are no hidden charges — everything is explained clearly before you agree.
Our goal is to give you breathing room financially while ensuring your healthcare is not delayed.
Doctor Cash Advance
We also provide cash advance solutions for medical practices. Doctors can access upfront capital based on their practice revenue to manage expenses, expand their practice, invest in equipment, or improve cashflow — without long bank approval processes.
Our goal is simple:
Remove financial barriers for patients and improve cashflow for doctors.
Patient Funding for Medical Shortfalls
Helping Patients Say “Yes” to Treatment
Medical care should never be delayed because of a shortfall.
We offer Patient Funding Solutions designed to help patients cover medical shortfalls, co-payments, and procedures not fully covered by medical aid — so doctors get paid faster and patients get the care they need immediately.
What Is a Medical Shortfall?
A medical shortfall happens when:
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Medical aid does not cover the full procedure cost
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There is a co-payment required
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The patient has exhausted their medical savings
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The procedure is excluded from their plan
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The treatment is private or elective
This often creates stress for patients — and delays payment for doctors.
Our Solution: Patient Funding
We provide access to structured medical funding that allows patients to:
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Cover co-payments and shortfalls
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Finance private procedures
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Pay over manageable monthly instalments
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Get fast approval (subject to assessment)
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Proceed with treatment without delay
This means doctors can treat patients without worrying about affordability barriers.
Patient Funding Fee Explained
To make healthcare more affordable and accessible, we offer flexible patient funding that allows you to pay your shortfall over time instead of upfront.
Our funding includes a 20% to 30% service and risk fee, depending on the repayment period you choose. This fee covers:
Immediate payment to your clinic
Administrative processing
Debit order management
Risk protection and funding costs
There are no hidden charges — everything is explained clearly before you agree.
Our goal is to give you breathing room financially while ensuring your healthcare is not delayed.
Why Doctors Should Offer Patient Funding
When patients cannot afford shortfalls, practices experience:
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Cancelled procedures
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Delayed bookings
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Outstanding balances
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Cashflow disruptions
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Difficult payment conversations
By offering patient funding at your practice, you:
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Increase procedure acceptance rates
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Improve cashflow
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Reduce bad debt
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Enhance patient experience
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Grow revenue without increasing patient volume
It’s not about discounting your services — it’s about making them accessible.
How It Works
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Patient is informed of shortfall amount
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Patient applies for funding (simple application process)
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Approval is processed
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Payment is arranged
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Doctor receives payment
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Patient repays in structured instalments
We make the process smooth and professional, protecting both the doctor and the patient.
Who Can Use This?
Patient funding is ideal for:
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Specialists
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General Practitioners
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Dentists
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Surgeons
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Aesthetic Clinics
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Radiology Practices
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Day Hospitals
Any practice that experiences shortfalls or co-payments can benefit.
Benefits for Patients
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No treatment delays
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Affordable monthly payments
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Preserves emergency savings
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Access to better quality care
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Financial dignity
We believe healthcare should be accessible — without financial embarrassment.
Benefits for Doctors
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Improved collection rates
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Faster payment cycles
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Higher treatment conversions
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Reduced admin stress
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Stronger patient loyalty
When patients have payment options, they choose to proceed.
Our Mission
Our mission is simple:
To remove financial barriers between doctors and patients.
Healthcare should not stop because of affordability.
With patient funding, everyone wins.
Partner With Us
If you are a medical practice looking to:
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Increase revenue
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Reduce outstanding balances
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Help patients afford treatment
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Improve cashflow
Let’s partner together.
Contact us today to activate Patient Funding at your practice.
Why Doctors Need Cash Advance
Solving the Hidden Cashflow Crisis in Medical Practices
Running a medical practice is not just about treating patients — it’s about managing staff, rent, equipment, and daily operational costs.
Many doctors in South Africa depend on medical aids such as Discovery Health, Bonitas Medical Fund, Momentum Health, and Fedhealth.
But here’s the problem:
Medical aids do not pay immediately.
And that creates serious cashflow pressure.
The Real Problems Doctors Face
Late Payments from Medical Aids
Even when a claim is approved, payment can take:
7 days
14 days
Sometimes 30+ days
During that waiting period, the doctor must still pay:
Nurses and receptionists
Practice rent
Medical consumables
Electricity and software subscriptions
Cash advance solves this by giving the doctor immediate access to money they are already owed.
Payroll Pressure
Staff salaries cannot wait for medical aid processing.
If medical aid delays payment:
Staff must still be paid on time.
The practice cannot tell employees to “wait until claims clear.”
A cash advance ensures payroll runs smoothly every month.
Medical Consumables & Supplier Payments
Doctors buy from suppliers regularly — gloves, masks, syringes, etc.
Companies like:
Medinox South Africa
Dis-Chem
Clicks
Suppliers often require upfront payment or short payment terms.
If the doctor is waiting for claim payouts, stock levels drop — which affects patient care.
Cash advance prevents stock shortages.
Growth Becomes Impossible
A doctor may want to:
Open a second branch
Hire another practitioner
Buy new diagnostic equipment
Invest in marketing
But if their money is stuck in unpaid claims, expansion becomes difficult.
Cash advance unlocks working capital immediately.
Emergency Financial Gaps
Sometimes:
Claims are rejected and resubmitted
Coding errors delay payment
Medical aids request additional documents
Even small delays can create large financial strain.
Cash advance acts as a financial buffer.
What Problem Does Cash Advance Actually Solve?
It solves one core issue:
The Gap Between Service Delivery and Payment
Doctors treat patients today.
Medical aids pay weeks later.
Cash advance bridges that gap.
Instead of waiting:
The doctor receives a percentage of expected claim value immediately.
The advance provider collects when the medical aid pays.
This removes uncertainty.
Why This Is Better Than a Bank Loan
Unlike traditional loans:
No long approval process
No need for property collateral
Based on verified medical aid claims
Flexible and linked to practice revenue
This makes it practical for busy medical professionals.