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 We have temporarily paused new Working Capital Loans

The Temporary Funding Assistance Program is not part of Working Capital Loans from Optum Bank. For information about the Temporary Funding Assistance Program, click to learn more.

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Capitalize on every opportunity

Working capital that works for health care

Step into the future with Working Capital Loans reimagined for health care providers and systems, powered by Optum Bank®. 


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 loan solutions redefine how capital works



Capital Loan

This low-fee loan unlocks fast access to funds for health care organizations, helping you grow and invest in the future.

Receive one lump-sum payment

Offers informed by your claim payment history. Upon acceptance, funds are delivered as soon as same day.

Invest in the growth of your organization

Use the funds to expand, buy software or equipment and cover gaps in funding.


Cash Flow Loan

This innovative lending solution smooths cash flow, giving health care organizations predictable, consistent access to funds.

Receive a fixed amount every month

Offers informed by your claim payment history. Upon acceptance, funds are delivered monthly. 

Enjoy the confidence of steady cash flow

Use the funds to level out seasonal spikes, cover payroll and other ongoing expenses.

See what sets our Working Capital Loans apart

Your working capital needs aren't like those of any other business. Most banks simply don't understand the difference. But we do. It's why Optum Bank created 2 innovative loan solutions exclusively for providers. 

Key featuresOptum Working Capital Loans
Other lenders
Interest rateNo interest 4.66%-20.8% or higher
FeesTransparent and affordable upfront fee, no early repayment penaltiesOrigination fee varies by lender plus potential hidden transaction charges
Getting startedEasy digital enrollmentCumbersome manual process
Fast fundingCapital 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 monthVaries by lender; typically at least 1 week
Personal guaranteeNoneOften required

Automated via future claims payment activity

Varies greatly by lender, from manual payments to setting up and managing a payment schedule
Loan amount

Customized and informed by payment volume historyGeneric tiers not specific to the realities of health care

Frequently asked questions about loan options

No, Working Capital Loans from Optum Bank are not part of the Temporary Funding Assistance Program. If you are looking for information about the Temporary Funding Assistance Program, please visit:

Working Capital Loans are powered by Optum Bank and informed by 2 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 a monthly basis 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 cash flow 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 as necessary. 

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 the virtual account opened for you that same day.
  • You can access the Cash Flow Loan funds in your virtual account on the specific day of the month that you choose during the acceptance process. As long as you meet the eligibility criteria and remain enrolled in the program, you will continue to receive funds on that same day every month for up to 12 months.

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.