A/R Financing - managing the cash flow gap
Inova Capital Funding
9 out of 10 doctors surveyed said the biggest headache they face is managing their Accounts Receivable.

With malpractice insurance at an all time high and staffing expenses on the rise, medical practitioners are beginning to feel the squeeze. They are no longer content to wait 30–60–90 days for the insurance companies to pay. Many practitioners are now turning to banks to convert the biggest asset they have — accounts receivable — into cash. The ability to turn their accounts receivable into immediate cash for advertising, inventory, staffing, and expansion more than justifies the cost and many practitioners are taking advantage of this working capital solution.

Inova Capital Funding will joint market the All Med product, a specialized medical funding product exclusive to Inova Capital Funding to solicit practitioners to Inova Capital Funding's partner banks in the area in which they are located. This product includes a proprietary adjudication process that establishes the actual amount a 3rd-party ( insurance company) will pay. The account/invoice is automatically adjusted accordingly so the actual amount of the account/invoice either goes into the borrowing base, if on an Asset-Based Lending Program, or is discounted off of the ensuing net realized value, if part of a Transaction-Based Financing program.

Additionally, the All Med Product allows a bank to handle all of the practitioner's receivables, both 3rd-party receivables and patient receivables, through a joint use of Asset-Based Lending and Transaction-Based Financing. A bank can decide if they want to handle all of the practitioner’s book or just the Asset-Based Lending side or just the TBF side. Inova Capital Funding may step in to fund the ABL or TBF side that the bank does not wish to fund.


I'd love to attract doctors to our bank/funding source by offering a medical working capital financing program, but I don't know which medical specialties to seek.

Inova Capital Funding has expertise in and will process the following medical specialty practices and/or institutions:

»   Acute Care Hospital Accounts Receivable financing processing
»   Anesthesiologist Accounts Receivable financing processing
»   Cardiologist Accounts Receivable financing processing
»   Convalescent Home Accounts Receivable financing processing
»   Dental Family Pratice Accounts Receivable financing processing
»   Dental Implant Treatment Accounts Receivable financing processing
»   Dialysis Facility Accounts Receivable financing processing
»   Doctor Accounts Receivable financing processing
»   Endocrinologist Accounts Receivable financing processing
»   Endodontics Accounts Receivable financing processing
»   Family Practice Accounts Receivable financing processing
»   Gastroenterologist Accounts Receivable financing processing
»   General Practitioner Accounts Receivable financing processing
»   Geriatric Physician Accounts Receivable financing processing
»   Home Healthcare Provider Accounts Receivable financing processing
»   Hospital Accounts Receivable financing processing
»   Internist Accounts Receivable financing processing
»   Medical Association Accounts Receivable financing processing
»   Medical Clinic Accounts Receivable financing processing
»   Medical Equipment Distributor Accounts Receivable financing processing
»   Medical Group Accounts Receivable financing processing
»   Medical Lab Accounts Receivable financing processing
»   Medical Staffing Service Accounts Receivable financing processing
»   MRI Imaging Center Accounts Receivable financing processing
»   Neurologist Accounts Receivable financing processing
»   Nurse Staffing Service Accounts Receivable financing processing
»   Nursing Home Accounts Receivable financing processing
»   Obstetrician Accounts Receivable financing processing
»   Oncologist Accounts Receivable financing processing
»   Opthamologist Accounts Receivable financing processing
»   Oral Surgery Accounts Receivable financing processing
»   Orthodontics Accounts Receivable financing processing
»   Orthopedist Accounts Receivable financing processing
»   Outpatient Clinic Accounts Receivable financing processing
»   Outpatient Facility Accounts Receivable financing processing
»   Pain Management Center Accounts Receivable financing processing
»   Pediatrician Accounts Receivable financing processing
»   Pedodontics Accounts Receivable financing processing
»   Periodontics Accounts Receivable financing processing
»   Physical Therapy Facility Accounts Receivable financing processing
»   Physician Accounts Receivable financing processing
»   Podiatrist Accounts Receivable financing processing
»   Prosthodontics Accounts Receivable financing processing
»   Psychiatrist Accounts Receivable financing processing
»   Radiologist Accounts Receivable financing processing
»   Rehabilitation Center Accounts Receivable financing processing
»   Sports Medicine Center Accounts Receivable financing processing
»   Substance Abuse Clinic Accounts Receivable financing processing
»   Surgeon Accounts Receivable financing processing
»   Surgical Center Accounts Receivable financing processing
»   TMJ Treatment Accounts Receivable financing processing
»   Trauma Center Accounts Receivable financing processing
»   Urologist Accounts Receivable financing processing