HEALTHCARE FINANCING

Financing solutions designed to scale healthcare businesses

Dynamic and reliable capital designed to support the growth, cash flow, and operational demands of today’s healthcare facilities.

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OUR STORY

Choose the healthcare finance experts to support your growth

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.

They understood the challenges of running a healthcare facility. They helped us stabilize cash flow, scale our staffing, and kept our focus where it matters most – caring for patients.

PRIVATE HEALTHCARE FACILITY

HEALTHCARE FINANCING

We bring deep expertise in healthcare finance to every client engagement

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.

Expertise in Medicare and Medicaid reimbursement

We understand the complexities of Medicare and Medicaid reimbursements, allowing us to structure flexible solutions aligned with your revenue cycles and payer mix.

Established relationships with HUD lenders & brokers

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.

Extensive experience in the CHOW process

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.

Financing solutions that bring stability to the complexity of healthcare

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.

HEALTHCARE FINANCING

The smarter way to fund care delivery and growth for healthcare providers

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.

Reliable access to custom capital solutions

Our financing is designed for healthcare—built to align with your cash flow, operations, and growth plans.

Stay on track—even when revenue fluctuates

Maintain steady cash flow through reiumbursement delays and payer variabilityso you can operate with confidence.

Fewer constraints, more control

Enjoy more freedom with fewer covenants and flexible terms that work with your facility—not against it.

Built for expansion and long-term growth

Whether you’re upgrading facilities, expanding services or investing in new technology, our financing grows with you.

Guidance from healthcare finance specialists

Work with a dedicated team that understands healthcare operations, not just finance.

Technology that simplifies operations

Our platform streamlines reporting, tracks availability in real-time, and puts you in control of your cash flow.

USE CASES

Financing that solves real challenges for growing facilities in healthcare

Navigating change of ownership with confidence and continuity

OVERVIEW

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.

CHALLENGE

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.

SOLUTION

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.

Bridging Medicare/Medicaid reimbursement gaps with working capital

OVERVIEW

A home health agency experiencing rapid growth found itself constrained by delayed payments from Medicare and Medicaid, which created significant cash flow pressure.

CHALLENGE

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.

SOLUTION

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.

Supporting growth through facility upgrades and service expansion

OVERVIEW

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.

CHALLENGE

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.

SOLUTION

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.

Fueling strategic acquisitions with healthcare-specific capital

OVERVIEW

A regional hospice network identified a high-potential acquisition that would strengthen its market position and add service coverage across two new counties.

CHALLENGE

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.

SOLUTION

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.

WHITEPAPER

Guide to financing for skilled nursing

Learn tips and tools for success with ABL financing from specialty healthcare lenders in the latest Skilled Nursing News whitepaper.

Download the Whitepaper

OUR PHILOSOPHY

From reimbursement gaps to growth plans—we’ve got you covered

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.

We’re proud members of:

LATEST TRANSACTIONS

Have a look at some clients we’ve helped in our latest transactions

SEE MORE TRANSACTIONS
$4,000,000

eCapital Provides $4 Million Line of Credit to Support Growth of Multi-State Healthcare Provider

This healthcare provider, with 140 skilled nursing and behavioral health facilities across Indiana, Maryland, Missouri, Ohio, Pennsylvania, Virginia, . . .
ASSET BASED LENDING
$10,000,000

eCapital Orchestrates $10MM Refinance and Growth Capital for West Coast Direct-to-Patient Pharmacy

This successful transaction provided a $10 million senior secured credit line to a prominent West Coast direct-to-patient pharmacy to address the phar. . .
ASSET BASED LENDING
$10,000,000

eCapital Offers $10MM ABL Facility for Behavioral Health Facility in Tennessee

A behavioral health facility in Tennessee secured a $10M asset-based lending (ABL) facility from eCapital to support business growth and working capit. . .
ASSET BASED LENDING

LETS TALK

Explore how our financing can help your healthcare company scale.

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Frequently asked questions
about financing for healthcare businesses

What is healthcare business financing?

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.

What types of healthcare providers are eligible for financing?

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.

How is healthcare financing different from traditional business loans?

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

Can I use financing during a CHOW transaction?

Yes. Specialized CHOW financing can support uninterrupted operations during ownership transitions, helping meet regulatory timelines and maintain business continuity.

Do I need collateral to qualify?

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.

How do long reimbursement cycles affect my financing options?

Lenders familiar with healthcare are accustomed to Medicare/Medicaid and private insurance reimbursement delays. Many financing solutions are structured specifically to bridge these gaps.

Will financing affect my relationships with payors?

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.

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