Healthcare
Bridge the gap between service delivery and payment. Fund operations, meet payroll, and expand services, without waiting 60-120 days for insurance reimbursement.
Capital that understands healthcare billing and moves at care delivery speed.
The challenge
Healthcare services operate on a payment timeline that no other industry accepts. You deliver care on Monday. You submit a claim on Wednesday. The payer processes the claim in 30-45 days. The explanation of benefits arrives. A portion is denied. You appeal. The appeal takes another 30 days. The approved amount is 60-70% of billed charges. The patient responsibility portion enters a separate collection cycle.
A home healthcare agency with 80 clinicians runs $400K in monthly payroll. Medicare reimburses in 30-45 days for clean claims, 60-90 days for claims requiring additional documentation. Medicaid timelines vary by state, ranging from 30 to 120 days. Commercial payers average 45-60 days. At any given time, $600K-$1M in delivered services sits in the reimbursement pipeline, moving through coding review, claim submission, payer processing, denial management, and appeals.
Non-emergency medical transport companies face a similar gap: trips are completed daily, but Medicaid reimbursement arrives in 60-120 days depending on the state and broker.
Your Costs Are Immediate
Your Revenue Comes Later
The result
You're delivering care today but getting paid months later. Payroll can't wait for insurance reimbursement. Growth opportunities require capital you don't have tied up in receivables. You're profitable on paper but cash-flow constrained in reality.
Sound familiar?
A new contract with a health system will add 50 patients immediately. You need to hire 8 clinicians now, but first reimbursement won't arrive for 90 days.
Medicare and managed care contracts pay in 60-120 days. You need to maintain operations and payroll while waiting for reimbursement.
Insurance denials and appeals delay payment by additional 30-60 days. Cash flow becomes unpredictable.
Your clinical staff gets paid bi-weekly, but insurance reimburses quarterly. You're constantly stressed about making payroll.
Expanding to a new region requires upfront investment, staff, equipment, office space, before regional patient revenue materializes.
Q1 and Q4 see increased patient volume requiring additional staff, but cash flow is still recovering from previous quarter's lower volume.
The toolkit
Different healthcare challenges require different financing tools. Here's what works best for the situations healthcare providers face:
Specialized solution ensuring consistent payroll funding regardless of insurance reimbursement timing. Critical for healthcare businesses with bi-weekly payroll and 60-120 day reimbursement cycles.
Learn moreCapital for acquiring other practices, patient census, or healthcare businesses. Structured around the acquired practice's receivables and revenue.
Learn moreIn practice
Home Health Agency
Physical Therapy Practice
Medical Staffing Company
Non-Emergency Medical Transport
Tell us a little about your receivables and payor mix and we'll come back with real numbers: advance rate, fee, and timeline.
Same-day preliminary answer
The difference
Traditional lenders don't understand healthcare billing. CPT codes, EOBs, insurance payment patterns, denial rates, payor mix, these require healthcare financing expertise. We specialize in healthcare and understand how reimbursement actually works.
Healthcare has the longest payment cycles of any industry. Medicare, Medicaid, and managed care don't pay quickly. You can't change this. You need financing that bridges it. We provide capital specifically structured for healthcare's extended payment timing.
HIPAA, state licensing, accreditation, credentialing, Medicare certification, healthcare is heavily regulated. We understand these requirements and structure financing that works within healthcare's regulatory framework.
Even excellent providers face claim denials. Appeals take time. Traditional lenders see this as risk. We understand denial patterns, know which claims are appealable, and provide capital that accounts for normal denial rates.
Healthcare is moving toward value-based care. Quality scores affect reimbursement rates. Patient outcomes impact contracts. We evaluate providers based on clinical quality, not just financial metrics. Your HEDIS scores and STAR ratings matter to us.
Who we serve
Skilled nursing, home care, hospice, home infusion. Medicare/Medicaid heavy, 60-120 day reimbursement, high staffing needs.
Typical needs Healthcare factoring, AR financing, payroll funding
Physical therapy, occupational therapy, speech therapy. Multi-location, insurance-based, consistent patient flow.
Typical needs Healthcare AR financing, equipment financing, growth capital
Nursing staffing, allied health staffing, physician locum tenens. High-volume receivables, rapid placement needs, payroll critical.
Typical needs Specialized staffing facilities, high-advance factoring, payroll funding
Outpatient mental health, substance abuse treatment, counseling centers. Insurance reimbursement, sliding scale, some private pay.
Typical needs Healthcare factoring, AR financing, working capital facilities
Ambulance services (non-emergency), wheelchair transport, stretcher services. Medicaid-heavy, long payment cycles.
Typical needs Healthcare factoring specialized in NEMT, equipment financing for vehicles
Medical billing services, durable medical equipment, diagnostic services, lab services. B2B healthcare, varied payment terms.
Typical needs Invoice factoring, AR financing, equipment financing
Getting started
Share your situation, challenges, and what you're trying to accomplish. We explain which financing solutions fit your needs and provide estimated terms.
Basic business information: financials, receivables aging by payor, payor mix breakdown, sample EOBs or remittance. We review and provide a proposal within 24-48 hours.
Review and approve final terms. Sign agreements electronically. Complete due diligence process (licensing verification, Medicare certification if applicable).
Access capital for your immediate needs. For facilities (AR financing), establish credit line for ongoing access.
Dedicated account team with healthcare expertise. Direct decision-maker access. Regular business reviews. Adjust facilities as your census and needs evolve.
Common questions
We work with home health, therapy practices, medical staffing, behavioral health, non-emergency medical transport, DME providers, and other healthcare service businesses. If you bill insurance and have receivables, we can help.
Yes. We specialize in healthcare financing. We understand CPT codes, ICD-10, EOBs, insurance payment patterns, Medicare/Medicaid, managed care, denial rates, and payor mix. We evaluate your receivables based on healthcare-specific factors.
Absolutely. We work with providers who have significant Medicare and Medicaid receivables. We understand government payment patterns and structure financing accordingly. Medicare is often considered among the highest-quality receivables.
We understand denials are part of healthcare. We evaluate your clean claim rate, denial patterns, and appeal success rate. We provide capital against clean claims while you work through normal denial and appeal processes.
Yes. Extended reimbursement cycles are exactly why healthcare providers need specialized financing. Invoice factoring or AR financing provides immediate capital, so you're not waiting 3-4 months for payment.
Absolutely. Growth is where healthcare financing provides the most value. As you add patients, your receivables grow, which means your available capital grows. The facility scales with your census automatically.
For healthcare factoring, payors typically pay an account in your name at our lockbox (notification factoring). For AR financing facilities, we can structure non-notification arrangements where payors continue paying you directly.
For immediate needs, healthcare factoring can fund in 2-5 business days. For ongoing needs, an AR financing facility provides 24-48 hour access once established (1-2 weeks for initial setup).
Recent financials (P&L, balance sheet), accounts receivable aging by payor, payor mix breakdown, and sample EOBs or remittance documents. We'll want to understand your billing cycle, average days to payment, and denial rates.
Instead of waiting 60-120 business days for insurance payment, you get 80-90% of the invoice value in 2-5 business days. This eliminates cash flow stress, enables growth, and lets you focus on patient care instead of constantly worrying about payroll and operations.
Get a healthcare finance quote in 24 hours.
One working-capital decision every other week. Which asset to borrow against, what a facility costs all-in, or how to make payroll before your customer pays, in a two-minute read.
Bi-weekly. 26 issues a year.