Turn Your Medicare & Medicaid Receivables Into Working Capital
Access up to 85% of your outstanding government receivables. Lower rates, automated processing, and the capital you need to invest in growth and care.
For Skilled Nursing Facilities
Stop letting cash flow challenges hold you back. Access the capital you've already earned—when you need it most.
Access Up to 85% of Outstanding AR
Unlock working capital tied up in Medicare and Medicaid receivables. Get additional working capital to invest in your facilities.
Fast Access After Approval
Once approved, get same-day access to funds. Our AI-enabled platform automates underwriting of hundreds of thousands of transactions, dramatically speeding up the approval process.
Save 300-400+ Basis Points
Reduce your interest rates significantly compared to traditional specialty lenders. Add 300-400+ basis points to your bottom line.
Real Impact for Your Facility
For a facility with $10M in outstanding Medicare/Medicaid AR, Onza can provide $8.5M in working capital, add significant savings to your bottom line, and get you funded within days of approval.
Calculate Your SavingsFor Regional Banks & Alternative Lenders
A reliable new asset class with government-backed collateral, competitive returns, and automated servicing.
Government-Backed Collateral
Medicare and Medicaid receivables provide ultimate creditworthy collateral. The most reliable payer backing your loans.
Attractive Returns
Earn competitive returns on government-backed receivables with significantly lower risk than traditional lending.
Diversify Your Lending Base
Expand into a new asset class and meet regulatory requirements. Grow your traditional lending base while supporting your community.
Automated Underwriting You Can Trust
Our AI-enabled platform underwrites hundreds of thousands of transactions with auditable EHR data. Real-time monitoring and servicing.
$139B+ in Medicare & Medicaid Receivables Outstanding Every Year
Tap into a massive, growing market with government-backed collateral and predictable cash flows.
Partner With UsHow It Works
Our MMRBS (Medicare Medicaid Receivable Backed Securities) Machine automates the entire lending lifecycle.
AI-Enabled Underwriting
Our platform integrates with your EHR to automatically underwrite millions of transactions using public CMS data, private borrower data, and proprietary benchmarks.
Automated Origination
Standardized process and documentation ensure collateral perfection. Match SNFs with regional banks and alternative lenders through our marketplace.
Real-Time Servicing & Monitoring
Continuous collateral monitoring, credit adjustments, and loan servicing. Full transparency for both borrowers and lenders.
Our Mission
Quality care depends on capital
Access to a well-funded skilled nursing facility transformed my grandmother's final years—giving her dignity, comfort, and quality care. We found an excellent facility, but I learned firsthand how challenging it is for SNF providers to maintain quality care while managing the financial realities of waiting sometimes months for Medicare and Medicaid reimbursements.
Quality care requires capital to hire skilled staff, maintain facilities, and invest in better outcomes. Yet the providers who dedicate themselves to our most vulnerable patients often struggle with cash flow constraints that limit their ability to deliver the care they want to provide.
Our team brings several decades of experience serving some of the largest skilled nursing facilities in the country, participating as one of the largest collateralized lending participants in the US, and running SOX-compliant accounting infrastructure for some of the largest public firms in healthcare and life sciences.
Trusted Track Record
Our team brings decades of experience from leading organizations across healthcare, finance, and technology
