New product
For US & Canadian dental and medical practices
Turn your insurance AR into working capital — in minutes.
Clinelix Capital advances 65–90% of your outstanding insurance receivables at rates priced by your Practice Financial Score — transparent, fast, and tailored to healthcare cash-flow cycles.
No personal guarantee Soft pull — no credit-score impact Funded by Clinelix capital partners
How pricing works
1
Connect read-only to your PMS + Flinks. We compute your Practice Financial Score.
2
We model your AR aging, carrier mix, and revenue trajectory to set a fair advance amount and monthly fee.
3
Funds disburse via a regulated capital partner. Repaid automatically from carrier remittances over 3–12 months.
Underwritten by your data
Rates are derived from your Practice Financial Score and AR aging — not generic credit bureau reports.
Quotes in minutes, not weeks
Connect your PMS and bank once, and we generate a binding indicative offer in under five minutes.
Non-recourse to your personal credit
Advances are repaid from carrier remittances on existing AR. Clinelix never touches funds.
Quick eligibility estimator
A non-binding ballpark. Connect your data for an exact, underwritten offer.
$60,000
$85,000
Estimated advance
$55,250
Likely eligible
Best
1.20%/mo
Typical
1.80%/mo
Cap
2.40%/mo
Public estimator. Actual offer is computed from your full AR aging, carrier mix, and Practice Financial Score after a 5-minute connection.
Built for US & Canadian practices
- Insurance and payer remittances handled natively — Manulife, Sun Life, Canada Life, Pacific Blue Cross, Green Shield in Canada; Delta Dental, Cigna, Aetna, UnitedHealthcare, BCBS in the US.
- PIPEDA-aligned in Canada and HIPAA-aligned in the US. SOC 2 foundations. Data residency available in Canada, US, or EU on request.
- Pricing tied to your Practice Financial Score — the same score top-tier DSOs and group practices negotiate against.
Clinelix Capital is a referral programme to regulated capital partners in each market. Clinelix never takes deposits and never moves funds directly.
Use cases
What practices use Clinelix Capital for
Bridge insurance receivables
Cover payroll and rent while waiting on slow carriers.
Acquire a chair or operatory
Expand capacity without giving up equity or signing long bank covenants.
Run a growth marketing push
Fund Google/Meta + referral campaigns when ROI is highest.
Smooth seasonality
Maintain cash flow through Q3 / December lulls predictably.
Get your real underwritten offer
Tell us about your practice. We’ll prepare a tailored term sheet and reach out within one business day.