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Why choose Optum Financial Working Capital?


Trusted partner who understands health care

Easy access to funds

Affordable with transparent fixed fee

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Frequently asked questions (FAQ)

Optum Financial® Working Capital is a health care financial solution that provides an advance on your future Optum Pay® payments.

Working Capital offers easy access to capital based on your claim history with one affordable, fixed fee. Repayment is simple and automated as a percentage of your future Optum Pay payments. There are no hidden fees, periodic interest charges, monthly bills, late fees, pre-payment penalty or any other fees.

The process is simple:

  • Select your Working Capital loan amount and corresponding repayment rate on your future Optum Pay payments.
  • Accepted Working Capital offers are disbursed within a few business days.
  • Repayment is automated with a percentage of each payment until your balance is paid in full.

In general, eligibility is reviewed each month and is determined based on a variety of factors.* At a minimum, we require the following to be true for your organization to be considered for a Working Capital offer:

  • Is an active Optum Pay customer with at least 24 months of current Optum Pay ACH payment history
  • Receives at least one payment per month through Optum Pay
  • Has no outstanding and/or uncollected Optum Financial Working Capital loans

* We reserve the right to apply additional eligibility criteria as necessary which may not be described here. Please refer to full Terms and Conditions for additional information.

Optum Financial Working Capital applies a single fixed fee to the offer amount. There are no hidden fees.

Once you accept the offer and receive the loan proceeds, your future Optum Pay payments will be directed into your financial account and repayment is automatically applied.

Here’s how it works:

  1. Your Optum Pay ACH payment is deposited into your financial account.
  2. We automatically debit your financial account to repay your loan in accordance with your loan agreement
  3. The net funds of each payment (deposit less repayment rate) will be automatically transferred to your verified external bank account that is on file with us.

Email workingcapital@optum.com to check your eligibility and, if eligible, receive your Working Capital offer.

The application process:

  • You will receive a secure email invitation to apply for the program.
  • Complete a simple application that includes information about your business and yourself as the authorized representative.
  • No credit checks or personal guarantees are required.

Let's work together

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