Business Line of Credit
Revolving access to capital. Draw for payroll, supplies, repay when insurance pays. Interest only on what you use.
- $10K–$500K
- Revolving, 12–24 month renewal
- Prime + 1–5% (variable)
- Best for: recurring needs, insurance gaps
WESTVALVE FINANCIAL • WORKING CAPITAL FOR HEALTHCARE
Working Capital for Healthcare.
Lines of credit, short-term loans, revenue-based financing — payroll, supplies, insurance, insurance gaps. Fast funding for medical practices.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALHEALTHCARE WC
FUNDING IN 24-48 HOURS
Capital for patient care cash flow.
Payroll. Supplies. Malpractice insurance. The gap between care delivered and insurance paid. We help healthcare practices access the capital that keeps patients first.
WORKING CAPITAL FOR HEALTHCARE
Capital for insurance reimbursement gaps.
Healthcare has unique cash flow cycles — care delivered today, insurance pays 30-90 days later. We help you access the right product for your reimbursement cycle.
Short-Term Working Capital Loan
Lump sum for immediate needs. Fixed payments over 3-18 months.
- $10K–$500K
- 3–18 month terms
- Fixed rates
- Best for: specific one-time needs
Revenue-Based Financing
Repay a % of daily insurance collections. Payments scale with your practice.
- Up to 10-15% of annual revenue
- Repay 1.3–1.5x advance
- Payments scale with collections
- Best for: insurance-based revenue
SBA Working Capital
Lowest rates, longest terms. SBA 7(a) for qualified practices.
- Up to $5M
- Up to 10-year terms
- Prime + 2.25–4.75% (capped)
- Best for: qualified practices, larger needs
WHY HEALTHCARE CHOOSES US
We understand insurance reimbursement cycles.
01
Insurance Reimbursement Gaps
We understand 30-90 day insurance payment cycles. Products that bridge the gap between care and payment.
02
Daily Collections Data
Insurance remittance data = faster approvals. Revenue-based financing uses your daily collections.
03
Payroll & Supply Gaps
Lines of credit for bi-weekly payroll, revenue-based for supply orders, SBA for expansion.
04
Equipment vs Working Capital
We help you separate equipment needs (equipment financing) from cash flow needs (working capital).
PRODUCT OPTIONS
Right product for your reimbursement cycle.
Line of Credit
Draw for payroll/supplies, repay after insurance pays. Interest only on what you use.
- $10K–$500K
- Revolving, 12–24 month renewal
- Prime + 1–5% (variable)
- Best for: recurring insurance gaps
Short-Term Loan
Lump sum for specific need. Fixed payments over 3-18 months.
- $10K–$500K
- 3–18 month terms
- Fixed rates
- Best for: one-time expansion need
Revenue-Based Financing
Repay a % of daily insurance collections. Payments scale with your practice.
- Up to 10-15% of annual revenue
- Repay 1.3–1.5x advance
- Payments scale with daily collections
- Best for: insurance-based revenue
SBA Working Capital
Lowest rates, longest terms. SBA 7(a) for qualified healthcare practices.
- Up to $5M
- Up to 10-year terms
- Prime + 2.25–4.75% (capped)
- Best for: qualified practices, larger needs
REIMBURSEMENT CYCLE MATCHING
We match the product to your payer mix.
01
Insurance Cycle (30-90 Days)
Line of credit bridges care delivery to insurance payment. Revolving = always available.
02
Medicare/Medicaid (14-30 Days)
Revenue-based financing scales with government payments. Predictable cash flow.
03
Private Pay/Capitation (Monthly)
Short-term loan for predictable gaps. Fixed payments match capitation schedule.
04
Malpractice/Annual Premiums
Working capital loan or SBA for large annual premiums. Spread 12-month cost over 12 months.
GET STARTED
Let's bridge your reimbursement gaps.
Tell us about your payer mix, collection cycle, and cash flow needs. We'll match you with providers who specialize in healthcare.
FAQ
Questions about healthcare working capital.
Can healthcare practices get working capital loans?
Yes. Healthcare is eligible for all working capital products — lines of credit, short-term loans, revenue-based financing, and SBA working capital. Lenders understand insurance reimbursement cycles (30-90 days). We work with providers who specialize in healthcare financing.
What's the best working capital option for insurance reimbursement gaps?
A business line of credit or revenue-based financing. A line of credit lets you draw for payroll and supplies while waiting on insurance payments (30-90 days). Revenue-based financing automatically adjusts payments to your daily collections — payments drop when reimbursements slow.
Can healthcare practices use working capital for equipment?
Yes, but equipment financing is usually better for medical equipment — lower rates (5-15%), longer terms (2-7 years), 100% financing, and Section 179 tax benefits. Working capital is for cash flow gaps; equipment financing is for asset purchases.
How fast can a healthcare practice get working capital?
Alternative working capital: 24-48 hours. Business line of credit: 3-10 business days. SBA working capital: 30-90 days. Revenue-based financing: 24-48 hours. Speed depends on the product and documentation readiness.
What credit score do healthcare practices need for working capital?
Alternative working capital: 500+ credit score. Business line of credit: 600+. SBA working capital: 680+. Strong insurance collections and practice cash flow can offset lower scores. We've seen 580-620 scores approved with strong daily insurance collections.
Can healthcare practices use working capital for payroll and supplies?
Yes. Working capital is specifically designed for day-to-day operations — payroll, medical supplies, lab fees, malpractice insurance, rent, utilities, and the gap between providing care and collecting from insurance.