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.
The Cash Flow Loan is a loan program by which Optum Bank® may make disbursements (loans to be repaid via deposits made to your account) to Providers subject to ongoing eligibility requirements and other restrictions. While the Provider remains in the program, Provider may receive disbursements on a monthly basis. Disbursements are repaid through future claim payment activity or other deposits to your account. Disbursements are not guaranteed and can vary in amount. Providers may halt future disbursements at any time, but the Cash Flow Loan Agreement and other Loan Documents will continue to apply to you and your account until any outstanding balance has been repaid. Provider is granting Optum Bank® a security interest in, among other things, accounts and proceeds to guarantee repayment of the loan. Please see the Cash Flow Loan Agreement and other Loan Documents for full terms and conditions, including fees and repayment terms.
The Capital Loan is a loan offered by Optum Bank® and is subject to eligibility and restrictions. Provider agrees to repay this loan primarily through a percentage of the deposits to the Provider's account. Provider is granting Optum Bank® a security interest in, among other things, accounts and proceeds to guarantee repayment of the loan. Please see the Capital Loan Agreement and other Loan Documents for full terms and conditions, including fees and repayment terms.