“We’ve got enough money in the bank. Why would we need to advance our claims?”
It’s a fair question. If your practice is financially healthy, advancing your claims might sound unnecessary. But as we talked it through, the real question emerged:
Are you using your cash in the smartest way possible?
Don’t Park Your Revenue
Reimbursement timelines can be slow and unpredictable. The result? Your practices could be hiring, expanding, or reinvesting in better care. Even if your bank balance looks solid, your money might not be working as hard as it could be.
Leverage Without Liability
Just because you can dip into reserves doesn’t mean you should. Your cash reserves exist to protect your practice. Burning through them to cover insurance delays doesn’t make sense. Payer audits, staffing changes, or a revenue dip can put pressure on even the most stable practices.
One of our clients learned this the hard way. They’d just opened a second location and had planned everything down to the dollar. However, when a major scheduled payment didn’t clear, payroll was suddenly at risk. With only hours to spare, they reached out to us. We reviewed their outstanding claims, and we got them the funds they needed deposited the same day.
They were well-run. They had reserves. However, when the unexpected happened, that buffer proved to be thinner than it looked.
Growth Needs Agility, Not Just Capital
Growth means spending. Whether you’re hiring, adding locations, or upgrading equipment, it all takes capital. If you’re pulling from your reserves every time an opportunity comes up, you’re shrinking your margin for error.
There’s a difference between being fine and being ready. The more flexibility you keep in your back pocket, the more confidently you can move when something important comes up… Whether it’s planned or not.
Clearer Picture, Fewer Surprises
Unfortunately, many practices don’t have a live view of what’s owed to them. Which claims are aging? Which are collectible? What’s been delayed?
If you’re only seeing your numbers after the fact, it’s harder to plan ahead. It’s not just about getting paid faster. It’s about knowing where you stand in real time so you can make better decisions in the moment, not just at month-end.
So back to the question: If you already have cash in the bank, why bother advancing claims?
Because it’s not about needing the money. It’s about leveraging what you’ve already earned to work smarter, move faster, and stay prepared.
We’ve worked with practices that had strong financials and excellent revenue cycle management. However, what made the difference at the end of the day wasn’t how much they had in the bank. It was how well they used it.
Accelerating your claims doesn’t mean you’re in trouble. It means you’re being proactive. It means that you’re keeping your reserves intact. It means you’re avoiding unnecessary debt and are giving yourself the flexibility to move when the moment calls for it.
Sometimes, the smartest time to act is when you don’t have to. If you’re in a good place, that’s the perfect time to make sure you’re set up for what’s next.
We’re here when you’re ready to talk.