Home / Healthcare Loans / Healthcare Working Capital
Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026
Float for hospitals & healthcare operators.
CC/OD limits sized to insurance receivables, scheme reimbursements and consumables cycles — the cash-flow reality of running healthcare.
₹50 L–50 Cr
Limit size
30–120 days
Reimbursement cycles funded
CC · OD
Structures
Overview
Insurance pays late; payroll doesn't wait
TPA and government-scheme reimbursements run 30–120 days while salaries, consumables and pharmacy stock are paid now. Working capital limits bridge that structural gap.
We size limits from your payor mix and receivable ageing — and present empanelments (CGHS, state schemes, insurers) as the credit strength they are.
At a glance
BorrowersHospitals, chains, labs, clinics
SizingPayor mix & receivable ageing
SecurityReceivables + collateral as needed
StrengthEmpanelments & TPA tie-ups
Who is eligible?
- Operating healthcare businesses with 2+ years' record
- Documented receivables from insurers / schemes
- Clinical licences in place
- Banked collections matching claimed revenue
- Clean conduct on existing limits
Documents you'll need
- Empanelment letters & TPA agreements
- Receivables ageing statement
- 3 years' financials & ITR
- 12 months' bank statements
- Licences & entity KYC
Reimbursements stretching your cash flow? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.
Check your eligibility