Whether you’re managing high capital expenditures, navigating reimbursement uncertainties, or addressing the complexities of regulatory compliance, securing the right financing is critical for success.
Built for providers navigating today’s complex care economy, our flexible lending solutions unlock working capital from receivables, inventory, and other assets—empowering growth, stability, and better patient outcomes.
Leverage your existing assets—like receivables, inventory, or equipment—to secure flexible funding, without diluting ownership or taking on long-term debt.
Access scalable capital to expand services, invest in new equipment, or pursue strategic growth—all without diluting equity or relying on rigid traditional loans.
Maintain financial stability even with delayed payments and fluctuating revenue, ensuring you can cover payroll, supplies, and operating costs on time.
Ideal for organizations navigating reimbursement delays, rising costs, or expansion opportunities, a healthcare asset-based line of credit unlocks the value of receivables and other assets—turning your revenue cycle into a reliable source of working capital and long-term financial health.
Unlock immediate cash to improve cash flow for swift reinvestment in growth and operations.
Easing financial pressures enables healthcare providers to make strategic decisions without cash flow or reimbursement uncertainties.
Our Healthcare ABL solutions are tailored to the industry’s unique regulatory, billing, and reimbursement complexities.
Healthcare ABL from eCapital often results in a higher total credit limit compared to term loans from traditional lenders.
We are problem solvers who work around the clock to get the financing you need to operate your healthcare company successfully and grow.
Unlike traditional loans with fixed limits, ABL facilities are based on the current value of your assets, offering scalable financing that grows with your business.
Healthcare receivables financing is a funding solution that allows healthcare providers—such as clinics, hospitals, staffing agencies, and home care providers—to unlock cash tied up in outstanding invoices. Rather than waiting 30, 60, or even 90+ days for insurance companies, government payers, or private clients to pay, providers sell or borrow against their receivables to access immediate working capital.
Have more questions? Our experts are here to make funding simple, clear, and stress-free.
Meet Our Experts
Clients choose eCapital when they need an engaged, solutions-oriented, long-term credit partner with proven capacity, creativity, and continuity. Our expertise is customization—whether on a $5 million or $150 million facility, employing a meticulous, hands-on strategies.
Our tight-knit group of financing experts are agile and client-centric, yet backed by extensive resources with the scale to conquer any challenge. This means we are going to be a better credit partner through every business cycle, bringing capabilities and passion—as patient, flexible problem-solvers—other providers simply do not have. Our track record speaks for itself.
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Healthcare A/R financing is a funding solution that allows healthcare providers to unlock cash tied up in unpaid medical claims or patient invoices. By advancing funds against expected reimbursements, it helps organizations improve cash flow while waiting for payment from insurance companies, Medicare, Medicaid, or patients.
While similar in concept, healthcare A/R financing is designed specifically for the complexities of medical billing and third-party reimbursements. Lenders often provide value-added services like claim verification, billing support, and collections management.
Unlike traditional loans with fixed limits, ABL facilities are based on the current value of your assets, offering scalable financing that grows with your business.
Healthcare ABL is tailored to the unique billing cycles, reimbursement timelines, and regulatory considerations of the healthcare sector. It often accounts for complexities like third-party insurance payments, government reimbursements, and Medicare/Medicaid receivables.
Funding is based on the value of eligible assets, primarily receivables. Borrowing availability adjusts dynamically as receivables are collected and new ones are generated, giving healthcare businesses ongoing access to working capital.
Healthcare ABL is ideal for a range of organizations, including home healthcare agencies, skilled nursing facilities, behavioral health centers, hospice providers, outpatient clinics, and medical equipment companies.
Typically, eligible assets include accounts receivable (especially from insurance companies or government payers), inventory (such as medical supplies), equipment, and occasionally real estate.
Yes. Healthcare ABL can complement other financial strategies, such as growth funding, acquisitions, debt restructuring, or working capital optimization.
