How to Use Working Capital

At NCMIC we hear from successful D.C.s every day who leverage working capital loans for a variety of reasons. Below are some common business uses.

Bridge Delays in Collecting Account Receivables

Depending how you bill, delays are common in receiving cash for your product or service. This can be due to insurance reimbursements or past-due payments from your customers. Working capital loans can help in these instances.

Purchase Inventory

Working capital can be used to restock existing inventory or purchase new products to sell in your practice.

Marketing Campaigns

Local advertising, event sponsorship, direct marketing campaigns, signage and other return-on-investment opportunities are common uses of working capital.  

Hiring & Employees

Cash from working capital loans can be used for human resource expenses such as hiring bonuses, employee events, career fairs and more.

Office or Business Growth

If it's time for a physical expansion of your office or a remodel, you might consider a working capital loan to fund your growth.


Whether your taxes are due on a quarterly or annual basis, working capital is an option to bridge those cash flow requirements.  

Unexpected Expenses & More

As a business owner, any number of expenses can creep up from time to time. Because working capital loans can be used for any business expense, it provides the necessary flexibility to keep your practice up and running without interruption.  

Working Capital Loans


New Loans
800-915-3007 ext. 5130

Existing Loans

Working capital loans offered by NCMIC Finance Corporation are subject to credit approval, are for business purposes only and may not be used for personal, family or household purposes. Minimum loan amount is $5,000. A $200 documentation fee is required. When original or electronic signed loan documents are received by 2 p.m. CT, funding can be sent same-day via ACH. Your financial institution may not allow access to funds until the following day.