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 We have temporarily paused new Working Capital Loans

The Temporary Funding Assistance Program is not part of Working Capital Loans from Optum Bank. For information about the Temporary Funding Assistance Program, click to learn more.

Learn more

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Helping you capitalize on every opportunity​

Optum Bank offers 2 loans to fit your unique needs. The Capital Loan gives you quick access to funds to help you grow and invest. The Cash Flow Loan provides a predictable, consistent flow of funds. Both solutions make accessing funds fast and easy, helping your organization focus on what it does best — caring for patients.

Customized and right-sized​

Each loan offer is unique and informed by claim payment activity for current Optum Pay customers.

Easy, affordable and transparent

Count on digital enrollment, a competitive set fee with no hidden charges and zero interest. ​

Plays well with all payers​

Automated loan repayment works with any deposit directed to your repayment account, be it from Optum Pay payments or other payers.

For health care by a health care bank ​

As health care and fintech experts, we know what providers need to make their organization work.