💸 Growth funding, on your terms
Need fast, flexible business capital without the hassle of traditional lending? PatientNow Capital, powered by Parafin, offers pre-approved funding based on your actual card processing history.
No complicated paperwork or credit checks. One fixed fee. Just funds in your account—fast.
How It Works
Pre-Approval: If your practice qualifies, you’ll automatically receive a funding offer based on your recent PatientNow payment processing history. No applications or credit checks required.
One Transparent Fee: You’ll see one fixed fee upfront — no interest, and no late penalties.
Flexible Repayments: A small percentage of your daily card sales is automatically applied toward repayment. You’ll pay less when business is slower and more when things are busy.
Funds Fast: If approved, accept your offer and receive funds as soon as the next business day.
Use It Your Way: Invest in what matters most — new equipment, marketing campaigns, payroll, or expanding your team. There are no restrictions on how you use the funds.
Eligibility & Pre-Approval Process
PatientNow Capital is not something you manually apply for. Eligibility is determined automatically by our partner Parafin based on your recent PatientNow sales history.
No Manual Sign-Ups: We can’t add practices to a list or manually check eligibility.
Automatic Invitations: If you qualify, you’ll receive a pre-approval offer by email.
Timing: Offers are sent periodically as your sales data updates.
💡 Tip: Keep an eye on your inbox and make sure you’re subscribed to PatientNow marketing emails so you don’t miss an offer.
Frequently Asked Questions
Where can I see my pre-approval offer?
Click the Funding button in the upper-right corner to access pre-approval offers. When you hover over it, you’ll see the tooltip: “Manage funds, check for offers, apply for a loan, and check funding status.” This button is visible to Owners only.
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Click the Funding button to open the Funds Management page in Company Settings, where you can view your PatientNow Capital information.
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Who qualifies for PatientNow Capital?
Practices must be existing PatientNow merchants in business for at least six months with consistent processing volume. Startups without processing history are not eligible.
Is there a credit check or personal guarantee?
No. Offers are based solely on your payment processing history — no credit check or guarantor required.
When will I receive the funds?
In most cases, funds arrive in your account the next business day after accepting your offer.
How are repayments handled?
A fixed percentage of your daily card sales is deducted automatically until your balance is paid off.
Are there hidden fees?
No. You’ll see the single, fixed fee upfront before accepting the offer — no interest or late fees.
What can I use the funds for?
Anything that helps your business grow — marketing, staffing, equipment, inventory, or managing seasonal cash flow.
What happens if my sales slow down?
Repayments automatically adjust with your daily sales volume, so payments are smaller during slower periods.
Who provides the funding and support?
PatientNow Capital is powered by Parafin and backed by Celtic Bank. Parafin manages all servicing and repayment support.
What happens after I repay?
Once repaid, you may become eligible for new pre-approved offers — no reapplication required.
Need Help?
Learn more in our detailed Help Desk guide. If you have questions about your offer or repayment details, please contact Parafin Support.