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Term Loans Built for Today’s Healthcare Organizations

Access up to $250,000 in fast, customizable funding with terms up to 84 months — designed for healthcare organizations and powered by Optum Bank®.

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Financing that fits how healthcare operates

Get the capital you need to invest in your practice, manage cash flow, and plan with confidence. Our streamlined experience and healthcare-focused approach help you move forward faster with:

  • Fixed, affordable monthly payments
  • A simple, fully digital application process
  • Customizable term loan options tailored to your needs  

Key benefits

Simple, fast financing

  • Streamlined digital application with minimal paperwork
  • Most applications completed in under 30 minutes
  • Quick approval decisions with fast access to funds to keep your practice moving

Flexible term loan options

  • Loan amounts up to $250,000
  • Fixed rates with competitive APR
  • Predictable repayment terms up to 84 months

Designed for healthcare

  • Lending solutions purpose‑built for healthcare organizations
  • Insight backed by our network of over 3 million providers
  • Reduced financial friction and faster access to capital  

How do term loans work?

  1. Apply online – Complete a simple digital application
  2. Get a decision – Receive fast decisions from a healthcare‑focused lender
  3. Receive funds – Access approved funds quickly
  4. Repay over time – Make predictable monthly payments  

Industry insights

Article

Reduce manual virtual card posting

Straight-through processing connects virtual card payment and remittance data to reduce manual reconciliation and keep receivables moving.

Article

Why you should prioritize digital payments

Digital payment processing doesn’t have to be a daunting task. Here's why it should be at the top of your priority list.

Case study

Moving to lower cost electronic payments

Partner with Optum Financial to increase ACH payments.

Explore whether a term loan is right for your organization