Our loan solutions redefine how capital works
Capital Loan
This low-fee loan unlocks fast access to funds for healthcare 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 healthcare 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 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 and informed by payment volume history | Generic tiers not specific to the realities of healthcare |
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Frequently asked questions about loan options
Working Capital Loans are powered by Optum Bank and informed by 2 decades of working directly with healthcare 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.