Loans for the business side of care
Customized and right-sized
Each loan offer is unique and informed by claim payment activity for current Optum Pay customers.
Easy, affordable and transparent
Count on digital enrollment, a competitive set fee with no hidden charges and zero interest.
Plays well with all payers
Automated loan repayment works with any deposit directed to your repayment account, be it from Optum Pay payments or other payers.
For health care by a health care bank
As health care and fintech experts, we know what providers need to make their organization work.
Our two loan solutions redefine how capital works
Unlock your organization's potential with a capital loan
Need to boost operational liquidity, buy equipment, pay taxes or meet other general capital needs? This affordable loan offers a set competitive fee and automated loan repayment.
What to expect
- One-time fee and no interest
- Zero early repayment penalty
- No restriction on business use
- No personal guarantees
Start each month ahead with the cash flow loan
This first-of-its-kind lending solution smooths cash flow, giving health care organizations predictable, consistent access to funds on the first business day of every month.
What to expect
- Predictable monthly disbursements
- Low, recurring fee
- No restriction on business use
- No personal guarantees
Check out what makes our working capital loans different
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 health care providers.
Key features | Optum working capital loans | Other lenders |
---|---|---|
Interest rate | No interest | 4.66%-20.8% or higher |
Fees | Transparent and affordable upfront fee, no early repayment penalties. | Origination fee varies by lender plus potential hidden transaction charges |
Getting started | Easy digital enrollment | Cumbersome manual process |
Fast funding | Capital loan funds may be delivered as soon as same day upon loan acceptance; cash flow funds are delivered on the first business day of the next month | Varies by lender; typically at least 1 week |
Personal guarantee | None | Often required |
Repayment | Automated via future claims payment activity | Varies greatly by lender, from manual payments to setting up and managing a payment schedule |
Loan amount | Customized as informed by claims payment history | Generic tiers not specific to the realities of health care |
Getting funding is easy
Please fill out this simple form to explore your eligibility.