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ARTICLE Direct Lending to Providers Through OptumHealth Bank

Helping the health care system work better requires investment in multiple resources. Medical equipment to diagnose and treat conditions. Software to connect doctors and patients. Patient services to monitor conditions. And practice management systems to move information, data and dollars more efficiently.


There are many choices for financing equipment and technology, but lending experience alone is not enough to address the financial needs of physicians and health care practices. OptumHealth BankSM, Member FDIC, has experience connecting financial services to the needs of the health care community.


OptumHealth Bank now provides commercial financing directly to physicians, medical practices, specialty groups, hospitals and other health care providers for technology and equipment – for example, imaging equipment, electronic medical record systems and pharmaceutical dispensing devices.


The application process is designed to be simple and collaborative. Commercial financing professionals work hand-in-hand with providers to identify their needs and customize solutions. Financing ranges from $50,000 to $2.5 million with terms up to six years at competitive rates. Providers may also apply for pre-approval of planned technology and equipment purchases at any time.


Offering direct lending to finance equipment and technology to enable sustainable, modern health communities supports Optum's goal of making the health care system work better for everyone.