Industry

Liquidity Planning for Medical Practices

Delayed insurance reimbursements, expensive equipment, and high fixed costs — finban helps practice owners plan their liquidity with foresight.

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Challenges

Health insurance reimbursements arrive with a 2 to 3 month delay, creating persistent cashflow gaps

Expensive medical equipment requires large investments or long-term financing commitments

High fixed costs: staff (medical assistants, nurses), rent, insurance, and laboratory fees

Fluctuating patient volumes — holiday periods and seasonal effects impact revenue unpredictably

A mix of public and private patients with different billing cycles complicates forecasting

How finban helps

Insurance Payments and Private Revenue at a Glance

Connect your practice account and see all payment receipts in one place. finban automatically recognizes regular insurance installments and private patient payments, so you always know what has come in and what is outstanding.

Scenario Planning for Investments

What happens if you purchase a new ultrasound machine? How does hiring an additional medical assistant affect your liquidity? Plan different scenarios with real numbers and make confident investment decisions.

Automatic Cashflow Forecasts

finban generates automatic forecasts based on your payment patterns. You see instantly whether insurance installments and private revenue will cover your running costs — and when shortfalls are approaching.

Simple and Fast — Built for Doctors, Not Controllers

finban is set up in under 15 minutes. Connect your bank account and you are ready. Focus on your patients while finban takes care of your financial visibility.

Key Features

Automatic Bank Connection

Practice account connected in real time

Cashflow Forecasting

Automatic forecasts including delayed insurance reimbursements

Scenario Planning

Investment and staffing scenarios modeled in minutes

Contract Management

Equipment leases, insurance, and lab contracts tracked centrally

Easy Setup

Ready to go in under 15 minutes, no accounting knowledge needed

Accounting Integration

Connected to lexoffice and sevDesk

Liquidity Planning Software

Explore the full Liquidity Planning Software

See how finban brings together bank connections, scenarios, forecasting, and reporting in one tool — built for SMEs, freelancers, and growing companies.

Discover the software

“As a practice owner, I never had a clear picture of when insurance payments would arrive and whether I could cover the next equipment installment. finban changed that completely.”

Dr. Anna S., Medical Specialist

Key Financial Signals

finban monitors these signals automatically so you can act before problems arise.

High Burn Rate

Monthly spending exceeds a sustainable level