Working capital that works for health care

Working capital loans from Optum Financial are powered by Optum Bank and informed by two decades of working directly with health care providers. Our deep understanding of your needs led us to build 2 solutions designed specifically for the business side of care:

• Capital loan — Unlock fast access to stress-free working capital, helping your business grow and invest in the future.
• Cash flow loan — Smooth out cash flow with this innovative lending solution for providers. It delivers a lump sum amount on the first business day of each month, providing predictable access to funds.

Working capital loans offer easy access to funds with a set fee that's transparent and affordable. There are no hidden fees, periodic interest charges or prepayment penalties. There's also no restriction on business use:

• Providers can use these loans to expand their organization, buy new equipment, plan for payroll/bonuses and level out seasonal spikes.
• Health systems use these loans to smooth out liquidity and cover gaps in receiving government reimbursements and state funding.

The amount of your working capital loan is tailored to your organization and informed by claim payment activity. Repayments are stress-free since they’re automated.

Eligibility is reviewed regularly and informed by a variety of factors. At minimum, the following must be true for your organization to be considered for one or more of our loan products:

• You're an active Optum Pay customer with at least 12 months of Optum Pay ACH payment history.
• You receive at least one payment a month through Optum Pay.
• You have no outstanding or uncollected balance from a prior Optum Bank working capital loan.

Optum Bank may apply additional eligibility criteria. 

The fee structure depends on the type of loan you have.

For the capital loan:

• You pay a single, set, low fee and no interest.
• The amount is transparent and presented with the offer.
• There are no hidden or additional fees.

For the cash flow loan:

• You pay a low, monthly recurring fee and no interest.
• The fee is due each month that you're in the loan program.

Upon acceptance of your specific loan offer and its terms:

• Capital loan funds are deposited into an Optum Financial bank account that same day.
• Cash flow loan funds will be available on the first business day of the next month and on the first business day of each subsequent month that you remain eligible and enrolled in the program for up to 12 months.

To find out if you're eligible and learn about your funding options, please fill out and submit this form.

You may be asked for:  

• Details regarding your organization and ownership information
• Individual identity information for your authorized representative(s)

We may need additional information and/or documentation to complete our review process. If you're not an authorized representative, you can start the process and send it to the appropriate person to complete.