Capitalize on every opportunity
It’s time to rethink how the health care industry accesses capital. Working capital loans from Optum Bank are different because they’re informed by two decades of experience working directly with providers.
Our deep understanding of your needs led us to build two loan solutions that redefine how capital works — the capital loan and the cash flow loan.
Capital loan
Stress-free working capital
Our low-fee loan unlocks fast access to funds for health care organizations, helping them grow and invest in the future.
Cash flow loan
Recurring cash flow you can count on
Our innovative lending solution smooths cash flow, giving health care organizations predictable, consistent access to funds.
Unlock potential with the capital loan
Simply affordable
Unlock affordable capital with a single, set, competitive fee and simple repayment:
- One-time fee and no interest
- Zero early repayment penalty
Easy access
Get fast access to cash with zero headaches, zero hassles and easy online enrollment:
- No restriction on business usage
- No personal guarantees
No surprises
Feel secure with total transparency from Optum Bank:
- Zero hidden fees or charges
- Automated repayment
Start each month ahead with the cash flow loan
Frictionless process
Smooth cash flow with zero headaches and zero hassles:
- No personal guarantees
- Fast enrollment
Transparently smart
Level up your operations with no surprises and no trade-offs:
- Automated repayment process
- Real-time tracking and metrics
First of its kind
Unlock automated, consistent cash flow with intelligent terms and a low, recurring fee:
- No interest
- Monthly disbursements