Shop your loan to local credit unions.

Take a look at your business expenses and increase your pricing to get you out of your hole. Time to hustle and find more revenue streams too.

The holiday season can be bad for some types of businesses and you should plan accordingly in the future.

I’m not a lawyer. I’m a Healthcare Quality Specialist and can only speak to that topic.

1. Work within the laws. You clearly don’t know the laws you need to work under and your partner doesn’t either. Your jumping into a crowded and very strict law filled area. Be warned. NY health laws will likely set precedent in most matters. Once you practice in multiple states things get messy.

2. You will be required to follow HIPAA guidelines. I don’t understand who told you otherwise.

3. Look at Kareo. Cloud based and offers a lot of options for smaller companies.

4. Offer monthly low rate plans or sign up with insurers as fast as you can. You better be able to offer something that easily competes against TeleDoc and Amazon. Seriously try to understand the market you are trying to enter. It’s getting crowded and you got Telehealth becoming an offered service for every insurance plan.

If they have to clock in and out and are missing punches it means they are coming in late and leaving early. Sorry but it’s always that.

You need better time management, and you need to enforce a punch clock policy that will ensure if they don’t use the time clock they will suffer consequences of missed pay, written warnings, and termination.