Outside The Box Funding for Medical Practice and Healthcare Business

Whether you are a physician’s office or in some form of healthcare delivery  you accept or should be accepting credit cards. This opens the door for an excellent form of credit line funding known as a merchant advance (MCA).

A merchant cash advance (MCA) is a form of business funding designed for companies that generate consistent revenue and may need fast access to working capital. Unlike traditional bank loans, an MCA is not technically a loan. Instead, it is the purchase of a portion of a business’s future receivables in exchange for a lump-sum amount of funding, the business agrees to repay the advance using a percentage of daily or weekly sales or a fixed debit schedule drawn directly from its business bank account.

One of the main advantages of an MCA is the speed of funding. Many providers can approve applications and deposit funds within 24 to 72 hours. This makes MCAs appealing to businesses that need to cover urgent expenses, seize a time-sensitive opportunity, or handle temporary cash-flow gaps. Additionally, credit requirements tend to be much more flexible compared to traditional financing. Businesses with lower credit scores or limited collateral can still qualify as long as they show consistent revenue.

There are two primary methods of repayment. The first is called split funding, where a small percentage of each credit card transaction is automatically taken out and directed to the provider. The second method, now more common, is ACH daily or weekly repayment, in which a set amount is withdrawn directly from the business’s bank account. Because of this arrangement, a business does not generally need a specific merchant account provider to receive an MCA. Most existing payment systems work just fine. The main requirement is being able to provide bank statements and revenue history.

However, it is important to understand the cost structure. Instead of an interest rate, MCAs use a factor rate, which is a multiplier applied to the advance amount. For example, if a business receives $20,000 and the factor rate is 1.25, the total repayment amount becomes $25,000. The factor rate does not change based on how quickly or slowly the business repays because many MCAs are repaid over a short period (often a few months).

To qualify, most providers look at revenue stability, average monthly sales, the length of time the business has been operating, and the consistency of deposits. A history of frequent overdrafts or insufficient funds may reduce approval chances. Businesses that process consistent daily or weekly sales, especially through debit and credit card transactions, tend to receive more favorable offers.

Before accepting an MCA, businesses should review the repayment method and ensure it fits with their cash flow. It is advisable to seek a consultant who is well versed on MCA’s. A repayment schedule that is too aggressive can create financial strain. It is also valuable to compare multiple offers, review all fees, and understand whether the agreement renews or stacks additional advances. As a note, once paid you can immediately pull another MCA. Also in most cases you will qualify for a higher loan amount at a lower factor.

Merchant cash advances can be a useful financing tool when used strategically. They provide speed, flexibility, and accessibility, especially for businesses that may not qualify for traditional loans. The key is to approach them with clear understanding, careful evaluation, and thoughtful planning to ensure they support the business rather than overwhelm it.

AugustTrevino

Mr. August Trevino is a commercial strategist with over thirty years of experience with specialization in small business funding. To discuss your business funding needs he can be reached at email, au.ent9@gmail.com Ph, (210) 951-9268‬

Exploring Alternatives: ‘Hard Money’ as an Outside-the-Box Small Business Funding Option

By August Trevino, Commercial Consultant

In the landscape of commercial finance, banks are not the sole arbiters of capital. Businesses often seek funding from alternative sources, including investment groups and private entities—collectively known in the industry as Hard Money Lenders. These lenders represent a distinct funding avenue, particularly beneficial for businesses with immediate capital needs or those who may not meet traditional bank loan criteria.

The Appeal of Hard Money Financing

The primary benefits of engaging with Hard Money Lenders center on speed and accessibility:

  • Expedited Funding: A key advantage is the significantly faster funding process. Qualified borrowers can often access loan proceeds or credit lines within days, sometimes as soon as 24 hours, compared to the protracted timelines of conventional banking.
  • Lower Qualification Hurdles: Hard Money Lenders typically impose more lenient credit score requirements. Qualification for a business term loan or line of credit may only require a personal FICO score of 600 to 680. While some business loans may necessitate an established business credit history, the overall barrier to entry is lower.
  • Emergency Capital Source: Although Hard Money Lenders may not offer the most affordable financing, their rapid funding capability and simplified application process make them an invaluable option for businesses facing emergency capital expenditures who cannot afford to wait through a traditional loan application and underwriting process.

Understanding the Trade-Offs

It is crucial for professional borrowers to understand the specific characteristics of this alternative funding:

  • Short-Term Nature: These loans are characteristically short-term, with repayment periods often ranging from 12 to 24 months.
  • Higher Interest Rates: The convenience and risk profile associated with this speed and leniency translate into higher interest rates compared to typical bank loans. However, starting Annual Percentage Rates (APR) can begin at 20%, which may, in certain cases, be competitive with or lower than some business credit cards.
  • Flexible Repayment Structures: Repayment schedules can vary widely, from weekly to monthly payments, often with automatic withdrawals, and may occasionally be structured as interest-only for the duration of the term.

Types of Hard Money Financing

Hard Money Lenders generally offer small businesses the opportunity to obtain financing through two primary product structures:

  • Business Term Loan: This is a lump-sum installment loan. Borrowers receive the entire principal amount upfront and repay the proceeds, plus interest and fees, according to a fixed schedule. Hard Money Lenders typically offer short-term business loans with repayment periods between 18 and 24 months.
  • Business Line of Credit (LOC): Functioning as a revolving account similar to a business credit card, the LOC grants the business a set credit limit. The borrower can draw up to this limit, and the credit becomes reusable as the balance is repaid during the draw period. Interest is only owed on the amount borrowed, not the full credit line.

Prepayment Flexibility

A significant feature of many Hard Money products is the option for early repayment. Lenders typically do not impose prepayment penalties if a term loan or line of credit is paid off ahead of schedule. Furthermore, some borrowers may qualify for a Prepayment Benefit, where the lender waives any remaining interest. However, in cases where this benefit is not granted, the borrower may still owe up to 75% of the remaining interest disclosed in the loan agreement upon early settlement.


Typical Product Details

 

Feature Details
Loan Amount $5,000 to $250,000+
APR (Annual Percentage Rate) Starting at 20%*
Typical Term 12–24 month repayment term (resets with each LOC withdrawal)
Repayment Schedule Weekly to monthly payments (typically automatic draw)
Funding Speed Instant funding availability (upon approval)
Minimum Credit Score Personal FICO score of 600
Bottom Line

For companies requiring rapid access to capital with minimal qualification requirements, Hard Money Lenders offer flexible term loan and line of credit solutions that serve as a viable and effective alternative to traditional bank financing.


Is your business currently evaluating its funding strategy, and if so, are these short-term, high-speed options a consideration?

 

August Trevino is a Commercial Funding Strategist with 20+ years of proven success in securing funding / cash injections for both new and established businesses. To discuss your business, contact

August Trevino
Email: au.ent9@gmail.com
Phone: ‪(210) 951-9268
Web: linkedin.com/in/acttoday

Strategies for Engaging Patients Who Self-Diagnose via the Internet

Author: ProAssurance

Time pressures1 and lack of patient trust2 are factors that can contribute to physician burnout. Patients who self-diagnose based on internet research combine these factors. Expecting self-diagnosing-patients to passively receive physician-delivered medical information will likely increase the frustration of both parties. Therefore, it can be more productive with these challenging patients to integrate their internet information into patient education.

This approach can improve clinical communication, strengthen the physician-patient partnership, increase patient satisfaction, and result in better outcomes. Time management strategies can help physicians keep discussions about internet content limited to the confines of the scheduled visit. When handled correctly, there is a silver lining to patient internet use.

Internet Websites for Patient Education

There are many websites that offer health advice and information. The Medical Library Association provides guidance on finding good health information. The websites listed below can get you started on your own recommendations for patients:

References

  1. Cory Pitre, et al. “Physician Time Management.” MedEdPORTAL, February 2018.
  2. James F. Sweeney. “The Eroding Trust Between Patients and Physicians.” Medical Economics, 4/10/2018.

 

Full Article Link: https://proassurance.com/knowledge-center/strategies-for-engaging-patients-who-self-diagnose-via-the-internet

 

Read more from ProAssurance: https://proassurance.com/knowledge-center

When Healing Others Becomes a Way to Avoid Ourselves: The Quiet Cost of High Performance in Healthcare

If you work in healthcare—whether you’re a nurse, a doctor, a manager, or someone who works with data—you carry a lot of responsibility. People count on you for their health, safety, and care. And you’re probably really good at handling that pressure.

You’re used to pushing through tough days. You solve problems, stay late, and make hard decisions. You always show up. That’s what makes you great at your job.

But there’s something many people in healthcare quietly struggle with: perfectionism. The pressure to always do everything right and never make mistakes might seem like a strength. But it can also lead to something more serious—emotional fragility.

When you believe your worth depends on your performance, it can be exhausting. You might start to wonder if you’re ever doing enough. Over time, this stress can build up, and you may feel disconnected from yourself and the people around you.

Research shows that perfectionism is linked to higher risks of mental health problems, including depression and suicide. This doesn’t mean perfectionism always leads to those things—but it does mean we need to be aware of how much pressure we’re putting on ourselves.

In healthcare, it’s easy to tie your value to things that can be measured: how quickly you care for patients, how many tasks you complete, and how good your reviews are. But things like connection, reflection, and rest don’t show up on charts or dashboards—and yet, they’re just as important.

So we keep working. One more patient. One more meeting. One more emergency. And slowly, we lose touch with the things that bring us peace, joy, and meaning.

That’s when the real cost shows up.

We become leaders who are respected but feel alone. Healthcare workers who are great at their jobs but drained. Parents or partners who are present, but distant. We care for everyone else but forget to care for ourselves. I know this because I have been there: carrying work performance stress to my kids or not being present in meetings because I feel like I am failing at managing my house.

But here’s the truth: your value isn’t in how well you do things. It’s in who you already are.

To live a life that’s not just sustainable—but also satisfying—we need more than hard work and success. We need emotional resilience: the ability to stay grounded, connected, and strong even when life gets hard. Really, the key to emotional resilience is the ability to accept grace.

Moving from emotional fragility to emotional resilience is the key to staying well in a demanding field like healthcare. It helps you stay present in your relationships, enjoy your work more, and remember why you chose this path in the first place.

Want to know where you stand? Take our free Emotional Fragility Quiz—a simple way to check in with yourself and start building more resilience in your life.

👉 [Take the free quiz now]

You don’t have to carry everything alone. And you don’t have to be perfect to be enough.

by Dr. Uejin Kim, MD

www.uejinkim.com

 

O’Connor, R. C. (2010). The relations between perfectionism and suicidality: A systematic review. Suicide and Life‑Threatening Behavior, 37(6), 698–714. https://doi.org/10.1521/suli.2007.37.6.698 Wiley Online LibraryUniversity of Stirling

Smith, M. M., Sherry, S. B., Chen, S., Saklofske, D. H., Mushquash, C., Flett, G. L., & Hewitt, P. L. (2017). The perniciousness of perfectionism: A meta‑analytic review of the perfectionism–suicide relationship. Journal of Personality. Advance online publication. https://doi.org/10.1111/jopy.12333 ray.yorksj.ac.ukPubMed

Hewitt, P. L., Flett, G. L., & Turnbull‑Donovan, W. (1992). Perfectionism and suicide potential. Journal of Abnormal Psychology, 101(4), 602–607. (Note: Publication details match findings; but source indicates the study on psychiatric patients) PubMed

Authors, (Year). Perfectionism, prospective near‑term suicidal thoughts and behaviors: The mediation of fear of humiliation and suicide crisis syndrome. International Journal of Environmental Research and Public Health, 17(4), Article 1424. https://doi.org/10.3390/ijerph17041424 PubMedMDPI

Etherson, M. E., Smith, M. M., Hill, A. P., Sherry, S. B., Curran, T., Flett, G. L., & Hewitt, P. L. (2024). Perfectionism, feelings of not mattering, and suicide ideation: An integrated test of the Perfectionism Social Disconnection Model and the Existential Model of Perfectionism. Journal of Psychoeducational Assessment, 42(6), 725–742. https://doi.org/10.1177/07342829241237421 SAGE Journalsray.yorksj.ac.uk

 

Big Changes for 2025–2026 Healthcare Enrollment — What You Need to Know

As the upcoming Annual Enrollment Period approaches, big changes are on the horizon for both Medicare and ACA Marketplace plans. Whether you’re a senior evaluating your Medicare coverage or an individual relying on ACA subsidies, this year’s decisions could have a major impact on your health and finances.

⚠️ Original Medicare Vs Medicare Advantage.  Which is better? 

Recent reports in, 2025 show approximately 34.1 Million Medicare beneficiaries, or 54% of the 62.8 million people on Medicare A & B are in Medicare Advantage plans. Many of these don’t understand or know the difference between Original Medicare and Medicare Advantage (MA), yet the distinctions are substantial.

Medicare Advantage was codified by Congress in the Balanced Budget Act of 1997 as a cost saving measure for Medicare. When you enroll in Medicare Advantage (MA), Medicare transfers all responsibility for your care to private insurance. Medicare then pays that private insurance company a fixed monthly amount to manage your medical care. The MA then in exchange assumes full responsibility to cover all costs associated with your care. This fundamentally alters how providers are paid, and places insurer oversight over your care and dramatically changes the dynamic between patients, providers, and payers. Because of this, some providers opt out of Medicare Advantage. Original Medicare, by contrast pays providers directly when Medicare approved services are rendered. This gives providers more freedom and less restrictions when developing treatment plans as long as they follow Medicare-approved guidelines.

MA plans have faced scrutiny in recent years for strict preauthorization requirements for treatment which have led to delays, denials, and a burdensome appeals process. Some MA plans have also been found inflating patient diagnoses codes in billing to secure higher compensation from Medicare. Talks between regulators and industry leaders earlier this year, yielded an agreement in which insurers will work to ease preauthorization requirements which they know will raise operating costs. In response, the Centers for Medicare & Medicaid Services (CMS) approved a monthly compensation increase to insurers. But industry experts warn the increased costs for services will likely be passed on to members through increased copays, coinsurance and premiums. They also expect insurers to reduce or eliminate popular perks that have historically aided MA enrollment such as dental, vision, and gym memberships.  These changes could prompt many beneficiaries to reconsider a switch back to Original Medicare, which offers nationwide provider access without network restrictions, few preauthorization hurdles, and the option to pair with Medigap for very low and predictable out-of-pocket costs.

This year’s enrollment window is a perfect opportunity to reevaluate coverage and explore whether Original Medicare might offer better protection and peace of mind.

💸 ACA Plans: Subsidy Rollback Ahead

For those enrolled in ACA Marketplace plans, 2026 is expected to bring serious sticker shock. Enhanced subsidies are set to expire, meaning premiums could rise by as much as 75%. Currently, 92% of ACA enrollees receive subsidies that cap premiums at 8.5% of income, even for higher earners. Without these supports, many may be forced to drop coverage or seek alternatives.

One such alternative gaining traction is health sharing plans. While not traditional insurance, these plans offer lower monthly costs and have appealed to healthy individuals looking for budget-friendly options. However, they come with limitations and may not offer the same protections as ACA-compliant plans.

🧠 Need Help Navigating Your Options?

At InsuranceSmart, we specialize in helping Texans make informed decisions about their health coverage. With over 20 years of experience in Medicare, health, life, and long-term care insurance, we’re here to guide you through every step—from comparing plans to understanding your benefits.

Whether you’re considering a switch to Original Medicare or exploring ACA alternatives, we offer free consultations and personalized support to help you get the coverage that fits your needs and budget.

📞 Call us today at 210-972-9035 🌐Visit InsuranceSmart to learn more or schedule your free consultation  www.GetInsuranceSmart.Com

by Mike Sosso

Healthcare As We Once Knew it is Dead

The healthcare landscape has changed over the last 20-25 years.  Primary care physicians used to manage overall patient care, coordinating with specialists for care that was outside their training and expertise.  Now, it seems that the primary care physician sees the patient a few times a year and might even request labs or perform a well-exam.  These exams have been greatly watered down over the years due to government red tape, ill advice from the U.S Preventive Services Task Force and declining reimbursement.  What used to be a true 40-minute history and physical has become a 10-to-15-minute checklist of things that the patient’s insurance company will likely reimburse the physician for providing.  The list of what won’t be done is longer than the list of things that will be done.  For specialty care, I notice that patients are increasingly arranging for care on their own, which often leaves the primary care physician out of the loop.

Primary care physicians used to have a trusted network of specialists to whom they could refer for evaluation and management of concerns outside of the primary care physician’s scope of practice.  A simple phone call once served as an introductory transfer of the patient from primary to specialty care.  Progress notes and polite thank you notes followed upon returning the patient to the primary care setting.  Today, insurance regulations and paperwork have become the primary focus, while the actual diagnosis and treatment of the condition(s) have become a distant secondary focus.  Medicare starts something and commercial insurers follow their lead, whether the policy is beneficial or harmful to their beneficiaries.

Referrals can be difficult to obtain, even for large academic medical centers.  In certain instances, the return of the patient to the primary care setting is delayed or halted altogether, with the specialist’s employer or accountable care organization assuming the role of the primary care physician.  Communication between offices has become something of a nightmare due to absent consultation notes in the patient’s chart.  In years past, referrals could be arranged quickly and easily.  The tides have changed over the last 20-25 years, with referrals becoming increasingly more difficult to obtain.  Due to insurance participation/non-participation, arranging referrals may take quite a while, and the patient’s condition might have worsened during the waiting period.

It is the author’s belief that the healthcare system is still recovering from the COVID-19 pandemic.  Preventive care was delayed to re-focus on the medically complex.  Patients who were not taking an active role in their care are now of higher acuity and require more resources to return to a more optimal state of functioning.  Referrals to specialists in large healthcare systems are still being impacted to due continued care for those medically complex patients who never fully recovered during the pandemic.

Referrals can be hard to come by, even in large cities with more than one major healthcare system.  Timeframes to obtain referrals varied for the author: 2 weeks for urology; 2 months for otolaryngology; 4-6 months for pulmonary evaluation after 1 round of COVID-19 and three rounds of pneumonia; 9-12 months for cardiology; and 24-36 months for a routine colonoscopy with gastroenterology.  For three of the above referral requests, the author was told there just weren’t enough good providers in San Antonio to see all the patients.  That waters down the prospects of finding a great provider to treat one’s medical conditions.

Is this the best we can do?  Is the status quo good enough?  While I share the same sentiment as my cardiologist and pulmonologist, “Healthcare as we once knew it is dead,” I say that we can do better, and the status quo isn’t something we should brag about.  While I’m grateful for the providers on my care team, I am disappointed that the healthcare system has changed for the worse.  I see patients being treated like numbers rather than human beings, band-aids being applied until the next care episode arrives, less emphasis on preventive care and fewer people taking part in their own care plans.  Will healthcare return to the glory days of 20-25 years ago?  Probably not.  However, I believe that if enough patients and providers start protesting the state of the current system, we could return to a better state within the next 5-7 years.

By Scott J. Grandjean, LFACHE

 

Flood Relief! Confluunt Advisors & Ark of Highland Lakes Support the Texas Flood Victims

FLOOD RELIEF! Our friends at Confluunt Advisors are inviting our HLSA community to join them in their support of Ark of Highland Lakes  as they in turn rally to provide relief to the flood victims of Marble Falls, Burnett and the surrounding areas. Confluunt Advisors has provided both volunteers and material support in the form of $1,000 worth of contract bags to assist in clean-up efforts. If you would like to add your own support, please visit their Flood Relief page to learn more about how you can help.

Continuing the Conversation: The Cost of Erasing the Project Manager

Thank you, Ruslan, for sparking an honest and necessary conversation. You’ve put words to a growing tension that many of us in delivery leadership feel — especially those who’ve lived through the quiet dismantling of project management in Agile-only environments.

Agile brought real value in shifting how teams work — but in too many implementations, we replaced structure with ceremony and leadership with facilitation. We didn’t evolve the Project Manager role — we eliminated it, and in doing so, removed the strategic spine that holds complex efforts together.

I saw this firsthand at the Defense Health Agency. Our initial project was small — just five people — and I was the project manager, accountable for delivery. I took time to learn the agency, build trust, and lead transparently. We delivered, got rewarded, and grew. By year two, we were overseeing an expanded team, managing cost, schedule, performance, risk — even getting an ATO and overhauling broken SOC/NOC operations.

The client was happy. We were aligned.

Then came the shift: a new Gov PM brought in someone from the startup world to “go Agile.” What followed was chaos. I was boxed into a comms-only role with no authority. The client was confused. The team fractured. We started missing the mark. The very structure that had helped us succeed had been dismantled.

Within months, I left. The rest of the team soon followed. All because we killed the PM.

Agile didn’t fail us. Misinterpreting Agile did. Strategic delivery leadership didn’t become obsolete — it was quietly uninvited. We still need someone who sees the whole board, balances stakeholder priorities, manages risk, and takes responsibility for delivery outcomes.

Let’s keep this conversation going. It’s time to stop pretending we don’t need project managers. We do — especially when the stakes are high and the mission matters.

By Roberta Ortega

 

 

 

 

 

 

 

 

 

 

Roberta Ortega is a seasoned IT program executive and PMP-certified professional with more than two decades of experience across Federal, State, DOD and commercial environments, with a particular focus on healthcare IT and enterprise modernization.

 

A Visit to Books Whiskey Society

Recently, a small group from Healthcare Leaders visited Books, a whiskey society and tasting venue located at 115 N Loop 1604 E, not far from the intersection with Stone Oak. The atmosphere of Books is just as the name suggests, suggestive of a dark, Old English library or historied pub. The menu of whiskies is extensive and includes a wide variety of offerings from countries all over the world. Their happy hour prices made it an affordable experience and our bartender was both knowledgeable and attentive to every detail.

We highly recommend it and have no doubt we will be returning soon!

 

Your Profit Margin is in the Details: Focusing on Patient Care and Your Books

What if you could focus solely on patient care, knowing that your financial operations are not only in order but also optimized for growth and sustainability? 

If you’re running a healthcare business, chances are your focus is on patient care or patient products and not profit margins, cost classifications, or what’s buried in your books. But your numbers hold powerful clues about what’s working, what’s leaking money, and what’s keeping you from scaling.

Here are a few simple places to start:

  • Review your Chart of Accounts – Are expenses lumped together in vague categories like “Miscellaneous” or “Office Supplies”? Clean categorization gives you clarity and control.
  • Separate Owner Spending – Mixing personal and business expenses doesn’t just create tax issues; it clouds your decision-making.
  • Check for Duplicates – Subscriptions, services, or staff hours might be charged twice and go unnoticed without regular reviews.
  • Reclassify Costs Correctly – Mislabeling a cost of goods sold as an overhead expense can distort your profitability.
  • Request Reports You Understand – If your current P&L or balance sheet leaves you guessing, it’s time to ask for insights.

Safeguarding your profit isn’t about taking shortcuts; it’s about paying close attention to the details.

If you are curious about what your reports are really saying, I recommend starting with the items listed above.

Respectfully,

Lillia Sanders,  CEO|CFO|Advisor
Let’s Connect! LinkedIn

 

 

 

 

 

 

 

 

 

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