Dynamic and reliable capital designed to support the growth, cash flow, and operational demands of today’s healthcare facilities.
At eCapital, we specialize in delivering financing solutions tailored to the unique needs of healthcare facilities—from skilled nursing facilities and hospitals to home healthcare and behavioral health clinics.
We understand the financial pressures that come with managing patient care, payroll, and operational expenses, especially in the face of long reimbursement cycles, rising labor costs, and complex regulations.
We understand the unique challenges faced by the healthcare industry. When you partner with eCapital, you’re working with a team of seasoned decision-makers and direct lenders committed to delivering flexible financing solutions tailored to the financial and operational realities of healthcare.
We understand the complexities of Medicare and Medicaid reimbursements, allowing us to structure flexible solutions aligned with your revenue cycles and payer mix.
We work closely with trusted HUD-approved lenders and brokers to support client needing long-term real estate financing – especially during acquisitions, refinancing, or facility improvements.
We support healthcare providers through Change of Ownership (CHOW) transitions with strategic financing solutions that maintain operational continuity and ensure timely access to working capital during critical periods.
Healthcare operations demand consistency, even when revenue is unpredictable. Our financing solutions are designed to create financial stability, align with reimbursement cycles, smooth out cash flow fluctuations, and ensure you have the resources to maintain care delivery and drive long-term growth without disruption.
Not sure which solutions are best for your healthcare business?
Our experts are here to make funding simple, clear and stress free.
With nearly two decades of industry experience, we offer more than capital—we deliver speed, flexibility, and solutions designed for the complexity of healthcare. From bridging reimbursement gaps to supporting expansion, eCapital gives you the financial tools and trusted support to operate with confidence, deliver quality care, and grow in a rapidly changing environment.
Our financing is designed for healthcare—built to align with your cash flow, operations, and growth plans.
Maintain steady cash flow through reiumbursement delays and payer variabilityso you can operate with confidence.
Enjoy more freedom with fewer covenants and flexible terms that work with your facility—not against it.
Whether you’re upgrading facilities, expanding services or investing in new technology, our financing grows with you.
Work with a dedicated team that understands healthcare operations, not just finance.
Our platform streamlines reporting, tracks availability in real-time, and puts you in control of your cash flow.
A multi-location skilled nursing operator was undergoing a Change of Ownership (CHOW) and required flexible financing to ensure uninterrupted patient care and regulatory compliance.
While the ownership transition was strategically sound, regulatory timelines and reimbursement disruptions posed a financial risk. The operator needed working capital to maintain staffing levels, cover operational expenses, and support the transition process—without dipping into reserves or delaying care delivery.
eCapital provided a healthcare-specific financing solution during the CHOW process. A $25MM ABL facility provided the operator with the working capital to maintain continuity of care, meet payroll, and stay compliant throughout the transition.
A home health agency experiencing rapid growth found itself constrained by delayed payments from Medicare and Medicaid, which created significant cash flow pressure.
Despite strong billing volumes and high service demand, the agency often waited 45–90 days for reimbursement. This delay made it difficult to manage payroll, cover vendor payments, and accept new patient referrals.
A $3MM credit facility from eCapital gave the agency access to steady operational funding, enabling predictable cash flow, improved operational stability, and the ability to scale services without disruption.
An outpatient behavioral health clinic was preparing to expand services and upgrade its primary facility to meet rising patient demand and new state licensing standards.
The clinic needed capital for facility renovations, update equipment, and hire additional staff. Upfront costs combined with the complexities of insurance reimbursement cycles made it difficult to secure traditional financing.
eCapital provided a tailored $7.5MM asset-based lending facility, that enabled the clinic to complete renovations, expand service offerings, and hire essential staff—all without diluting equity or slowing operations.
A regional hospice network identified a high-potential acquisition that would strengthen its market position and add service coverage across two new counties.
Although financially stable, the hospice group lacked the liquidity to complete the acquisition quickly and competitively, especially given the seller’s tight closing timeline and the complexity of the transaction structure.
eCapital delivered a $10MM asset-based lending facility tailored to their specific needs. This flexible solution gave the hospice group the confidence to move forward with the acquisition, expand its footprint, and generate immediate synergies across clinical operations – without delaying care or disrupting cash.
Learn tips and tools for success with ABL financing from specialty healthcare lenders in the latest Skilled Nursing News whitepaper.
We understand the complexity and urgency of running a healthcare organization—because we’ve been supporting providers like you for nearly two decades. Our philosophy is simple: put care providers first with financing that’s flexible, and designed to support your operations.
Whether you’re investing in equipment, upgrading your facility, or expanding services, our goal is simple: to finance your long-term profitable growth with maximum flexibility. Our healthcare-specific funding solutions provide reliable access to working capital—helping you bridge reimbursement gaps, meet payroll with confidence, and scale without disruption.
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Healthcare business financing refers to a range of financial solutions tailored to the needs of medical practices, clinics, home health agencies, staffing firms, and other healthcare providers. It helps manage cash flow, cover operational costs, invest in growth, and navigate reimbursement delays.
We work with a wide range of healthcare providers, including home health agencies, skilled nursing facilities, hospice care providers, medical staffing firms, behavioral health organizations, and outpatient clinics.
Healthcare financing is designed to address industry-specific challenges such as long reimbursement cycles, regulatory compliance, and fluctuating patient volumes. These solutions typically offer more flexibility and faster access to working capital than traditional loans
Yes. Specialized CHOW financing can support uninterrupted operations during ownership transitions, helping meet regulatory timelines and maintain business continuity.
Many healthcare financing solutions use your receivables or assets (like equipment or inventory) as collateral, which reduce the need for additional guarantees or personal assets.
Lenders familiar with healthcare are accustomed to Medicare/Medicaid and private insurance reimbursement delays. Many financing solutions are structured specifically to bridge these gaps.
No. Reputable lenders work in the background and do not interfere with provider-payor relationships. AR financing, for example, simply advances capital based on expected payments.
