FAQs

Onza provides liquidity-as-a-service for skilled nursing facilities and their lenders. Learn more in our story.

Onza transforms Medicare and Medicaid receivables into immediate cash flow, providing up to 85% advance on receivables with same-day funding after approval. This helps SNFs maintain operations, invest in growth, and reduce borrowing costs by up to 30% compared to traditional financing.

We finance Medicare and Medicaid receivables for skilled nursing facilities. Our platform is specifically designed to understand the healthcare payment cycle and provide liquidity based on verified claims and patient data.

We are operators and technologists with deep healthcare and credit experience. Meet the team on our Team page.

Insight is our underwriting engine that aggregates EHR and CMS data into standardized, lender-ready reports. Explore it on the Insight page.

Flow streamlines origination with workflows, document management, and collateral perfection. See details on the Flow page.

Sentinel provides post-funding monitoring of payments and operational health for ongoing risk management. Visit the Sentinel page.

Marketplace matches SNFs with lenders who understand their business, creating competitive offers with transparent terms. Learn more on the Marketplace page.

Out-of-the-box standard origination documents and exhibits, configurable to your needs, plus data-backed summaries for credit review. Learn more in Flow.

Yes. Flow supports multi-facility organizations and complex ownership structures, including HUD loan–compliant setups, publicly owned facilities, and intergovernmental transfer (IGT) structures, with guided workflows and validations.

Automated agent checks with standardized validations, plus human review, ensure filings and collateral requirements are complete before closing.

Yes. Sentinel plugs directly into your EHR so claims are backed by an auditable, real-time trail of evidence.

In-app and email notifications by default, with configurable mobile alerts if needed.

All borrowers are pre-vetted via Insight with standardized underwriting packages for faster review. Lenders also conduct their own independent analysis on each deal.

We match you with best-fit lenders based on your profile. You control sharing and can compare offers side-by-side in Marketplace.

Facility performance, market conditions, and lender appetite. Marketplace encourages competition to surface the best terms.

Metrics refresh continuously as new data arrives. For ongoing post-funding monitoring, see Sentinel.

Collateral value, Medicare/Medicaid payments, covenant thresholds, and key operational indicators. Learn more on the Sentinel page.

Yes. Dashboards include timeline views and history so teams can review past updates alongside current status.

We standardize core healthcare and operational metrics (e.g., census, payer mix, PDPM drivers, payment velocity) and benchmark them to peers to support credit decisions. See examples in Insight.

Skilled nursing facility operators and lenders who want standardized underwriting, faster origination, and transparent monitoring. If you’re evaluating working capital or portfolio expansion, we can help.

Basic facility profile and permissioned access to your EHR. We already incorporate CMS data; in certain cases, we may request accounting exports. We’ll guide you step-by-step. Start with Insight or contact us.

Underwriting can begin as soon as data is connected. Many customers complete integrations in 2–4 weeks; timelines vary by scope and vendor responsiveness.

We match based on facility profile, historical performance, and lender preferences. You can compare offers side-by-side in Marketplace.

Yes. Use your own model powered by standardized inputs from Insight, or opt for our standardized risk model. Exports are available to feed your internal workflows.

All borrowers are pre-vetted via Insight and present standardized underwriting packages for faster review. Learn more on Marketplace and Insight.

Pricing depends on borrower profile, market conditions, and lender appetite. Marketplace creates competition and transparency so you can evaluate terms clearly.

You control your data. We generate standardized reports to support underwriting and monitoring, and you can export what you need for your records.

Yes. Reports and core data extracts are available for sharing with your stakeholders (e.g., credit committee) as needed.

Yes. Our team assists with integrations and workflow setup, and provides ongoing support as you scale.

Reach out via our Contact page or email [email protected].

We use enterprise-grade security, including encryption in transit and at rest, role-based access controls, and audit logging. See our Privacy Policy for details.

Common integrations include EHR systems like PointClickCare and MatrixCare, and CMS public data. Learn more on Insight and Sentinel.

No. We use data solely to deliver and improve our services as described in our Privacy Policy.

Most customers complete initial integrations in 2–4 weeks, depending on scope and vendor access.

Terms vary by facility profile and market conditions. Marketplace helps you compare multiple offers side-by-side to find the best fit. Start at Marketplace.

Basic facility profile information and data access approval for your EHR and CMS data. Our team will guide you through the setup. Contact us to begin.

Once approved, you can receive same-day funding. The initial approval process depends on how quickly we can connect to your EHR and verify your receivables, typically completed within 2-4 weeks for initial setup.

Onza's liquidity-as-a-service typically reduces borrowing costs by up to 30% compared to traditional financing. Unlike traditional factoring, our platform provides transparent, real-time monitoring and integrates directly with your systems for faster processing and better rates.

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