Health is vital for anyone irrespective of their origin, race, ethnicity, nationality or financial status. While for some it is affordable, not everyone has the budget to easily afford medical care, especially in emergencies or length medical procedures. When a person lacks the money, and the medical procedure is vital for existence, almost everyone thinks about spending the capital they possess in the form of assets such as gold, bonds or property. Similarly, It is well known that the cash flow of healthcare practices, whether it be medical, dental or veterinarian, is unpredictable and can be inconsistent. Submission of payment, in majority cases by insurance companies, may take weeks or even months, which is beyond the control of the medical practitioner or respective organization, which ultimately may result in adversely affecting their efficiency.