Medical Insurance Receivables Financing

Cash Flow Solutions for Healthcare Providers

US Med Capital’s Medical Receivables Financing Program, often called accounts receivables financing is an asset-based factoring facility that fast-tracks payments from insurance carriers by allowing US MED Capital to purchase your net eligible insurance receivables. The healthcare sector is stressed with cash flow issues due to outstanding insurance claims with terms between 30, 60, 90, 120 plus days.

Factor Your Medical Insurance Accounts Receivables for Business Growth factoring with US MED Capital assists healthcare providers to deliver quality care through recognized financial management solutions.

Bridge Your Cash Flow Gap

Managing Cash Flow
Buying Inventory
Making payroll


  1. 1 Year in business
  2. FICO 500+
  3. No bankruptcy or foreclosure in the last year
  4. Must receive payments from Medicare, Medicaid, commercial, and/or private insurance companies
  5. Control Account Connection to Lockbox
  6. A lockbox is required through our banking partner Park National Bank, Member FDIC
  7. Subordinate to Bank and SBA loans
  8. NO personal guarantees required
  9. Factoring Facility: Annual approval amount distributed every four weeks, weekly payback.
  10. Lockbox account is required, if Clients current bank will not setup a lockbox account then they are obligated to use our financial institute.


  • Signed Application
  • 6 Months Bank Statements (including transfer accounts)
  • Accounts Receivables Report by Insurance Carrier


Business Financial Information:

  • Copy of Business License
  • Copy of Medical License
  • Proof of Malpractice/liability Insurance
  • Articles of Incorporation
  • IRS Letter Assigning EIN
  • Tax Guard 8821
  • Bank Verification
  • Voided Check to operating account

Insurance Carrier and Payor Details:

  • List of Insurance Carriers/Payors
  • Billing Company Details (including Login Username and Password)
  • Clearing House Details (including Login Username and Password)

Lockbox Account:

  • Park National Account Questionnaire

Applicant(s) Information:

  • Personal Guaranty of Performance
  • Affidavit of Identity
  • Copy of Valid Drivers License(s)
  • Proof of Ownership (K1)


  • Physicians
  • Home Health Service
  • Medical Equipment Providers
  • Behavioral Health Clinics & Groups
  • Addiction Treatment & Rehabilitation Centers
  • Nursing Homes
  • Hospitals
  • Surgery Centers
  • Urgent Care
  • Assisted Living
  • Ambulance & Medical Transport Services
  • Physical Therapy & Rehabilitation
  • Pharmacy
  • Imaging / Radiology
  • Testing / Labs

How does it works

Additional Information

Let’s Get Started