Optum Financial

Working capital that keeps rural care moving

Optum Financial® is at the crucial connection between healthcare, finance and technology. We understand that navigating the financial complexities of healthcare in rural hospitals can be challenging and aim to transform how healthcare is financed and paid for. Through end-to-end, integrated financing and payment solutions, we help stabilize cash flow, support staffing, purchase critical equipment, and fund growth—so rural providers can keep care close to home.

Challenges we help solve

• Cash-flow gaps from claims/payment delays
• Workforce shortages and surge coverage needs
• Equipment purchasing and replacement cycles
• Practice/facility expansion to meet local demand
• Revenue cycle optimization and administrative friction

 What we offer

The Optum Financial Working Capital Program, powered by Optum Bank® is simple, flexible, and tailored for healthcare operations—funds you can apply where they’re needed most for your business. Use capital to bridge revenue cycles, hire and retain staff, upgrade equipment, expand services, and improve patient access.

 Built for healthcare

• Fast access to funds to manage seasonal volume and payer timing

• Streamlined process to reduce administrative burden
• Solutions that complement—rather than disrupt—existing banking relationships

 Where funds make an immediate impact

• Bridging claims/payment delays to maintain staffing and services
• Recruiting/retaining clinicians and support staff
• Purchasing essential equipment and vehicles (e.g., patient transport)
• Standing up or expanding service lines and outreach clinics
• Upgrading IT/RCM tools to improve throughput

 Early results from rural clients

• Kept services fully staffed during payer delays by bridging operating cash needs
• Purchased transport to accelerate time-to-treatment for critical patients
• Smoothed revenue cycle variability, reducing operational disruptions

 Rural success story

A rural hospital experienced rapid community growth, a need for facility expansion, and limitations leveraging traditional financial support due to being a county hospital with no major investors or ability to secure loans easily.  They leveraged working capital to fund long-term operational needs, enhance service offerings, and secure new equipment for patient outreach.  Partnership with Optum Financial has been critical not only for maintaining essential operations, such as payroll and accounts receivable, but also for enabling significant advancements in healthcare delivery.  Recruiting new providers has been a key aspect of this strategy, enhancing the hospital’s ability to meet the growing healthcare needs of the community.  This investment has propelled the hospital to a sustained annual growth rate for the next five years.

 What customers say

“We used the funds to buy equipment we’d been waiting on—perfect timing. The process was quick and user-friendly; support responded immediately. Instead of weeks of paperwork with a traditional bank, we had funds in just a couple of days. It was the perfect short-term solution without a lot of hassle or big origination fees.”

 Why Optum Financial

• No restriction on use to operate your business: direct funds to your most urgent priorities
• Healthcare-specific design: built around payer cycles and clinical operations
• Speed: streamlined application; funding in days for qualified borrowers
• Partner mindset: solutions that fit your existing financial stack

  How it works

1. Explore fit: brief conversation on your goals and timelines
2. Apply: streamlined documentation and review
3. Deploy: access funds and put them to work where care needs it most

 Point of Contact (SME):
Denise Gillson, General Manager
(612) 251-9105 · denise.gillson@optum.com