Healthcare Receivables Factoring.
Working capital solutions for medical staffing agencies, home health providers, and DME suppliers waiting 60–90 days on insurance and government reimbursements.
Key Challenges
60–120 Day Insurance & Medicare Reimbursements
Healthcare providers regularly wait two to four months for reimbursement from insurers, Medicare, and Medicaid — while payroll, supplies, and overhead obligations don't pause.
Payroll-Heavy Operations
Medical staffing and home health agencies carry large weekly payroll obligations that must be met regardless of when payers remit funds.
Complex Billing and Denial Risk
Claim denials, partial payments, and resubmission cycles create unpredictable cash flow that is difficult to plan around or borrow against conventionally.
Growth-Constrained by Receivables
Taking on new clients or contracts requires additional staffing and supplies — but cash is tied up in outstanding claims from existing accounts.
Heritage Factoring Solutions
Convert outstanding healthcare invoices and staffing billings to cash within 24–48 hours of submission.
Ensure every pay period is covered without relying on the timing of insurance remittances.
Your factoring line expands as your patient census or staffing volume grows — no renegotiation required.
We understand Medicare, Medicaid, and VA payer cycles and structure advances accordingly.
Industry-specific rates based on customer creditworthiness and invoice volume.
Ready to Strengthen Your Cash Flow?
Our free Capital Architecture Assessment analyzes your current position and tells you exactly how factoring can support your healthcare & medical business.