Receivables financing for healthcare and medical businesses

Healthcare receivables financing advances working capital against invoices owed to you by hospital systems, large provider networks, insurers, and government health programs — so payroll and operations don’t wait on a slow payment cycle. BuildUp Capital provides it as a receivables-backed line of credit, underwriting the strength of the payer behind your invoices. It’s a strong fit for nurse and healthcare staffing, home health, and medical service firms. Available nationwide.

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Healthcare runs on reliable but slow money. Hospital systems, insurers, and government health programs pay — but on cycles that can stretch for months, while your clinicians, caregivers, and payroll are due now. For a fast-growing nurse-staffing agency or home-health provider, that gap is the difference between taking the next contract and turning it down.

We finance the receivables those contracts generate. Because healthcare payers — large provider networks, insurers, and government programs — are among the most creditworthy obligors there are, a line secured by what they owe you is a structure we’re glad to build around, and it scales as your census and billings grow.

How it works

From unpaid invoice to working capital

Show us your payers and invoices

Tell us who you bill — hospital systems, provider networks, insurers, or government health programs — and what’s outstanding.

We underwrite the payer

We assess the creditworthiness of the institutions behind your invoices and the quality of your billing, not just your own balance sheet.

Draw as you bill

Advance against eligible receivables as you invoice, and repay as your payers pay. The line scales with your billings and headcount.

Healthcare businesses we finance

  • Nurse and allied-health staffing agencies
  • Home health and home care providers
  • Medical and dental practice groups
  • Healthcare services and management firms
  • Medical suppliers billing hospital systems
  • Behavioral and therapy service providers

Common questions

Questions about healthcare receivables financing

What is healthcare receivables financing?
It’s working capital advanced against invoices owed to you by hospital systems, large providers, insurers, or government health programs. You draw against the receivable instead of waiting out a long payment cycle, and repay as the payer pays.
Do you finance nurse and healthcare staffing payroll?
Yes — it’s a core use. We advance against invoices billed to your healthcare clients so you can meet clinician and caregiver payroll while waiting on institutional payment terms.
Are medical payers good collateral?
Large provider networks, insurers, and government health programs are highly creditworthy payers. That reliability is what makes a line secured by healthcare receivables a sound structure.
Is this factoring?
We structure it as a receivables-backed line of credit — you borrow against your invoices and keep your payer relationships, rather than selling the invoices outright.
Do I need real estate to qualify?
No. The line is secured by your receivables, not real estate. If you also own property, we can lend against that separately — see our real estate loans.

How we structure it

Receivables programs behind this

Payroll financingPayroll financing that turns unpaid client invoices into cash to make payroll on time.Learn more →Government-receivables financingFinancing against receivables owed by federal, state, and local government agencies.Learn more →Invoice factoringAn alternative to traditional invoice factoring: a receivables-backed line of credit that turns unpaid B2B invoices into working capital while you keep your.Learn more →

Other industries we finance

All receivables financing →

Stop waiting on net-60 to fund your business.

Tell us who owes you. If your receivables are owed by large, creditworthy companies or government agencies, you’ll know quickly — and a real person typically responds within 24 hours.

Get working capital →Give us a call