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Solution suite

Payments and lending solutions for providers

Optum Financial® connects you with loans powered by Optum Bank and healthcare payment solutions.

Health and finance, connected at last

The world of healthcare finance can feel like a siloed, fractured place. At Optum Financial, our vision is to connect systems and transform how healthcare is financed and paid for. 

That's why we’re putting 2 decades of innovation to work. We’re here to help in every financial aspect of your business:

  • Fast, reliable payments
  • Flexible lending solutions
  • Streamlined digital tools

Discover how we’re building payment and lending solutions designed to support all your financial needs.

Built for business with care in mind

Our financial solutions are designed to address the needs of the healthcare industry.

Money and data, connected

Business is better when payments and processed claims data move together.

Providers and payers, connected

We process $500 billion in payments annually for 2.2 million providers and more than 500 payers.

Efficiency and results, connected

Reduce administrative burden and save time to focus on what matters to your organization.

Stability and innovation, connected

Lending is powered by Optum Bank, a healthcare bank that’s been investing in providers and patients for over 20 years.

Driving innovation in healthcare finance

See how we’re transforming healthcare finance by connecting payers, providers and patients through smart, integrated tools that simplify payments and empower care delivery.

Put our financial products to work for you

Solution suite

Optum Pay

Best for:
  • Providers

Accelerate progress toward a healthier future with a platform that helps expedite payments and streamlines access to historical claims data.

Solution suite

Working Capital Solutions for Healthcare

Best for:
  • Health systems and hospitals
  • Providers

Step into the future with innovative loan solutions created exclusively for healthcare providers and systems, powered by Optum Bank®.

Solution suite

Money Market Deposit Account

Best for:
  • Health systems and hospitals
  • Providers

Experience banking built for healthcare with faster fund access, standout yields and seamless digital workflows tailored for providers.

Related healthcare insights

4 Reasons You Should Prioritize Digital Payments

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Why you should prioritize digital payments

Digital payment processing doesn’t have to be a daunting task. Here's why it should be at the top of your priority list.

Moving to Lower-Cost Electronic Payments [Case Study]

Case study

Moving to lower cost electronic payments

Partner with Optum Financial to increase ACH payments.

4 Ways Digital Claim Payments Can Save You Money

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Digital claim payments can save you money

Discover 4 ways health plans can save money today — and in the future — by engaging with a digital claim payment partner.

Get access to innovative health financing solutions