Healthcare providers operate in a financial environment where expenses move quickly and reimbursements do not. Clinics, hospitals, laboratories, and home healthcare companies must meet payroll, purchase supplies, and continue serving patients long before payments from insurance carriers arrive. For referral partners, this timing gap represents both a challenge and an opportunity, and understanding it opens the door to a high-demand solution that traditional lenders cannot serve. Gaining insight into how healthcare finance solutions work can help you support clients with dependable liquidity while building a sustainable revenue stream for your business.
Understanding Why Providers Seek Working Capital
Many healthcare organizations are strong operators facing slow-paying receivables. Claims can be delayed by payer reviews, audits, documentation requirements, or general processing cycles. These delays create pressure across the entire organization, especially when operational costs continue uninterrupted.
Receivable-based funding provides a way for providers to convert outstanding claims into immediate working capital. This supports day-to-day operations without increasing debt, making it a practical fit for organizations navigating unpredictable reimbursement timing.
Traditional lenders are often unable to meet these timing-driven capital needs, which is why banks frequently refer healthcare businesses to specialized funders who understand the nuances of medical receivables.
How the Funding Structure Works
The structure is designed to be clear and efficient. Providers sell their receivables at a small discount in exchange for early access to cash. Funds are advanced upfront, and payment from the insurance payer is collected later. Once the reimbursement is received, any remaining balance is returned to the provider after fees.
With no interest and no long-term repayment schedule, the model aligns directly with how healthcare cash flow actually functions. Referral partners who understand this process are better prepared to communicate it clearly to clients evaluating financing options.
Why Healthcare Requires Specialized Experience
Healthcare receivables differ from traditional B2B invoices. Claims sit inside a regulated, documentation-heavy ecosystem shaped by HIPAA, coding, payer audits, and reimbursement rules. Because of this, many generalist funders avoid the sector altogether.
DML’s healthcare-only focus means we evaluate claims based on how they truly behave, not how a generalist lender assumes they should.
We specialize in healthcare finance, applying tailored underwriting practices to evaluate receivables based on Net Realizable Value and historical reimbursement behavior. This discipline helps providers access consistent capital and gives referral partners a reliable resource in a high-barrier market.
Which Clients Benefit Most
Healthcare providers with consistent receivables but delayed reimbursement are often strong candidates for receivable-based financing. The bottom line: providers billing Medicare, Medicaid, or private insurance are typically good candidates for this type of financing. These may include:
- Hospitals
- Walk-in clinics
- Laboratories
- Home healthcare companies
- Medical practices
- Imaging centers
- Medical transport operators
- Pharmacies
- Skilled nursing facilities
- Group homes
- Physical rehabilitation centers
Referral partners who can identify these characteristics early help streamline the evaluation process and deliver timely solutions to their clients.
Why Referral Partners Benefit from Offering Healthcare Finance
Healthcare finance gives referral partners access to a specialized solution not widely available through traditional lenders. Because banks often cannot support reimbursement-driven timing gaps, referral partners are positioned to fill an important need for healthcare organizations.
This offering also provides meaningful upside, including:
- A differentiated product to expand your portfolio
- Competitive and transparent referral commissions
- Ongoing residual income for every funded client
- Access to a fast-growing, underserved market segment
- A dependable revenue stream built on repeatable business
By adding healthcare receivable financing to your portfolio, you can strengthen client relationships while expanding your earning potential.
What Referral Partners Can Expect When Working with DML
DML emphasizes clarity, consistency, and communication. Referral partners can expect:
- Quick Responses on deal viability
- Consistent Communication throughout underwriting and funding
- Transparent Terms that clients can trust
- Competitive Commission Programs
- Residual Payments for as long as the client remains funded
- Ongoing Training and Support tailored to healthcare finance
This model supports repeatable business and positions referral partners as trusted resources for specialized healthcare financing solutions.
DML Capital Group works with referral partners nationwide to deliver reliable healthcare finance solutions to providers. Visit our Brokers page to learn more about the program and connect with our team to discuss collaboration opportunities.
LET'S TALK FUNDING
Ready to Unlock Predictable Cash Flow?
LET'S TALK FUNDING
Ready to Unlock Predictable Cash Flow?
A dedicated team ready to support healthcare providers and referral partners with stable, reliable funding solutions.
