A small independent eye care practice in North Carolina had been serving its community for more than thirty years. The clinic was busy with loyal patients, regular insurance reimbursements, and strong revenue. But behind the scenes, the owner was struggling to keep up with the timing of expenses. Payroll, rent, and lab bills were due every week, while reimbursements from insurance companies arrived on unpredictable schedules.
To fill the gap, the owner had taken several small business loans over time. By early 2024, there were four active balances and daily payments going out to different funders. Even though the clinic was profitable, cash flow had become tight and stressful to manage.
The Challenge
The clinic’s three-month revenue average was about 440,000, but the average daily balance often dropped below 1,000. Several months showed more than five nonsufficient fund charges, which automatically ruled out most lenders. The owner’s credit score had also fallen from the low 700s to the high 500s, mostly because of high utilization and overlapping loan activity.
At that point, the clinic owed about 60,000 across multiple accounts. The owner needed a way to simplify payments, reduce pressure on daily cash flow, and start rebuilding credit.
The BusinessFunds.com Approach
Funding Specialist: Gabe Castillo
When the practice owner connected with BusinessFunds.com, Gabe started by reviewing several months of statements to see the full picture. Deposits were consistent, but the number of daily withdrawals left little working capital. Submitting the file right away would have resulted in another decline, so Gabe advised waiting until the next month’s statements posted with healthier balances and fewer negative entries.
When the new cycle closed, Gabe prepared the submission and presented the case carefully. The owner had reliable patient traffic, strong revenue, and decades of experience in business. What he needed was a manageable structure that fit the rhythm of his cash flow.
The practice was approved for 26,000 on a fifteen-month term with a daily payment that fit within its operating budget. The new funding replaced several smaller daily debits with one predictable payment. This stabilized the bank account and freed up working capital for essentials like payroll, supplies, and equipment maintenance.
Throughout the process, Gabe kept communication short and clear. The owner often missed calls during clinic hours, so updates were sent by text and email with a single checklist of what to send next. When a password reset was needed to access loan balances, Gabe followed up directly with the lender to save the owner time.
The Results
- Consolidated multiple daily payments into one manageable structure
- Freed up cash flow for payroll and inventory purchases
- Rebuilt positive account history by eliminating late and missed payments
- Paid off the remaining balance in full by October 14, 2025
By the end of the renewal term, the clinic had cleared all existing balances and returned to operating with a single monthly schedule instead of multiple daily withdrawals.
What the Client Said
“I was making several payments a day and it felt like I was working just to stay even. BusinessFunds.com helped me bring it down to one clear plan. Gabe made the process easy and kept me informed. We finally paid everything off and can focus on the business again.”
What the Funding Specialist Said
Gabe Castillo, BusinessFunds.com
“This client didn’t need a large loan. They needed breathing room. We took the time to understand their deposits and expenses and timed the submission for a clean approval. Once the renewal funded, everything started improving.”
The Takeaway
This local eye care practice went from juggling four separate daily payments to having one predictable plan that matched how the business actually earned money. BusinessFunds.com focused on timing, simplicity, and structure instead of just adding more debt.
By aligning funding with real cash flow, the practice was able to clear every balance and rebuild its financial foundation. Today, it continues to operate confidently with no outstanding loans and a stronger understanding of how to manage growth without stress.
“BusinessFunds.com didn’t just find me funding. They helped me fix how my business handles money.”
