Transform Your Cash Flow. Focus on Care.
Access your Medicare/Medicaid receivables in days, not months. Diversify your capital sources and reduce borrowing costs by up to 30%.
The Cash Flow Challenge
Skilled nursing facilities face unique financial pressures that impact operations and growth.
Slow Cash Conversion
45-150+ days to access YOUR money from Medicare/Medicaid. Even longer for new facility licensing cycles (365+ days).
Razor-Thin Margins
Less than 3% operating margins mean no room for error. Every dollar counts in staying competitive.
Expensive Traditional Lending
Current lending rates of 14-16% (or higher) with slow, cumbersome approval processes.
Special Note: Including specialized acquisition financing for new facility licensing cycles (365+ days)
Same-Day Access to Your Capital
Unlock the working capital trapped in your receivables with rates up to 30% below market alternatives.
Speed
Same-day borrowing against government-backed receivables. Approval in minutes, not months.
Savings
Rates up to 30% below market alternatives, enabled by automated underwriting, origination, and monitoring.
Scale
Flexible credit lines that grow with your business. From independent facilities to multi-facility groups.
For Owners
Invest in Growth
Competitive Advantage
Gain competitive advantage through lower cost of capital. Reinvest savings into quality care and strategic initiatives.
More Working Capital
Focus on strategic growth and acquisitions with reliable access to capital when you need it.
Market Flexibility
Seize opportunities when they arise with fast access to capital for expansion and strategic moves.
Working Capital by SNF Category
| SNF Category | Annual Revenue | Typical Working Capital Access |
|---|---|---|
| Major Group | $1B+ | $50M-$100M+ |
| Large Group | $100M-$1B | $10M-$50M |
| Mid-Size Group | $30M-$100M | $3M-$10M |
| Independent Groups and Facilities | Under $30M | $500K-$3M |
For CFOs
Gain Operational Leverage
Lower Cost of Capital
Competitive advantage with rates up to 30% below market alternatives. See significant annual interest savings.
Predictable Cash Flow
Manage cash flow with confidence. Real-time visibility into borrowing capacity and collateral value.
Reduced Workload
Automated reporting and monitoring reduces finance team burden. No more endless Excel spreadsheets.
Real-Time Insights
24/7 visibility into your financial position. Make informed decisions with up-to-date data.
Typical Annual Interest Savings
| SNF Category | Typical Annual Interest Savings |
|---|---|
| Major Group | $3M-$10M |
| Large Group | $1M-$3M |
| Mid-Size Group | $300K-$1M |
| Independent Groups and Facilities | $50K-$300K |
Built for Skilled Nursing Facilities
Our integrated platform handles everything from underwriting to monitoring, so you can focus on what matters most.
Insight
Share Your Story in One Click
- • Automate your financial underwriting package for lenders
- • Pull from public CMS quality metrics automatically
- • Integrate EHR data (PointClickCare, MatrixCare, and more)
- • Tried and true process used across the industry for years
- • No more manual reporting packages
Learn More About Insight →
Flow
Get Funded Faster
- • Structure your entities to meet lender requirements efficiently
- • Navigate complex corporate structures with confidence
- • Meet UCC and collateral perfection requirements without the burden
- • Standardized process lenders trust
- • Faster time to funding
Learn More About Flow →
Sentinel
Forget Quarterly Excel Nightmares
- • Request drawdowns with one click
- • Real-time transparency and automated lender communication
- • Track your borrowing capacity 24/7
- • No more endless email chains
- • Simple, transparent, automated
Learn More About Sentinel →
Marketplace
Connect with Lenders Who Understand SNFs
- • Connect with regional banks, alternative lenders, and institutions who understand SNFs
- • Competitive rate discovery
- • Faster matching and approval
- • Find the right partner for your business
Learn More About Marketplace →
Experience You Can Trust
"Our team has experience collaborating with some of the largest skilled nursing facilities in the country, from multi-facility organizations with hundreds of millions in revenue to independent operators."Meet Our Team
Ready to Unlock Your Working Capital?
See how Onza can transform your cash flow in days, not months.