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Healthcare Banking Financial Solutions

With a focus on healthcare providers across the acuity spectrum, our team provides you with thoughtful insights, optimized financial processes, nimble credit and astute investment advice. We believe our solutions help healthcare organizations reduce administrative costs, improve controls and accelerate revenue cycle so that you can focus on what matters most, improving outcomes. Let's start a conversation.

AP Solutions

Payment solutions designed for Healthcare.

FNBO’s healthcare payment solutions can help streamline your AP by allowing you to automate manual tasks and speed up revenue cycle management processes.

FNBO GHX ePay
Built by healthcare, for healthcare, the ePay platform helps streamline and optimize the AP process across your entire supplier network. With ePay, you can receive cash rebates with multiple payment methods, enable more early payment discounts, eliminate labor-intensive paper check and reconciliation tasks, and establish an efficient, more accurate payment process.

  • Expand automation to all of your payments and move away from manual paper checks
  • Increase revenue by maximizing early-pay rebates
  • Pay suppliers with multiple payment methods including ACH, Cards and Line of Credit. All generate rebate.
  • Pay all invoices efficiently and seamlessly from one consolidated file

Travel and Entertainment Commercial Card
FNBO’s travel and entertainment credit card services help you provide for your staff when on the road, while giving your organization complete transparency and control of expenses. Impose limits on spending or restrict charges to predetermined merchant category codes to maximize cash flow, while gaining real-time information on expenses and rebates from card incentives.

Virtual Card
By using FNBO’s virtual card, you can automate your payables process, simplify the reconciliation process, and pay suppliers securely.

Revenue Cycle Management

Rise above declining reimbursements and keep the revenue cycle humming.

Declining reimbursements, coupled with patients on high deductible health plans, can stall your revenue cycle, making it difficult to meet the needs of your patients and staff. FNBO is here to help with revenue cycle management solutions designed to accelerate payments and facilitate even cash flow.

With FNBO, you have a partner in financial management, so all you have to worry about is the health of your patients.

Medical LockBox Services
Remove challenging and manual tasks from your accounts receivable process. FNBO automates the payment posting and reconciliation process end-to-end by integrating with your clearinghouse, bank, and practice management systems. The FNBO solution is customized to fit your healthcare organizations' unique structural needs and billing formats and is an innovative extension to your accounting team.

Patient Finance
FNBO’s patient finance solutions make it possible for you to meet the needs of your patients without concerns about revenue and future profitability. Designed with an easy application process, competitive rates and beneficial terms, our lending solutions offer a seamless experience for both patients and staff. Monetize your revenue and eliminate additional work for providers with patient finance solutions from FNBO.

Merchant Solutions
FNBO Merchant Services provides holistic POS and eCommerce solutions customized to do business your way, drive the customer experience and save you valuable time and money. Take any type of payment over the phone, online, or in person with a mobile device or one of our POS devices. Run your business more efficiently by tracking sales in real-time and managing orders, inventory and employees. Get the flexible, all-in-one business management system your business needs to thrive.

Capital Markets

Be there for your patients today and tomorrow with Capital Markets solutions.

Providing a lifetime of patient care requires careful financial management and a well-designed strategy to ensure your organization is invested responsibly to meet future goals and challenges. FNBO will be with you every step of the way, providing the guidance you need to manage liquidity and the capital you need to be there for your patients.

FNBO’s professionals are experienced across the healthcare landscape. They understand the marketability of specialized healthcare facilities and services as well as the financial instruments that turn current plans into future realities.

Capital Markets and Institutional Asset Management
You’re building lifetime relationships with your patients, so you should expect no less than lifetime support from your bank. FNBO’s experienced team Capital Markets professionals is invested in your success both today and tomorrow and will work with you to ensure your investment policy matches your short term and long-term goals while reducing your investment risks.

  • Strategic Planning
  • Investment Policy Review and Update
  • Asset Allocation
  • Short term and long-term investment policy and strategies

Lending

Lending solutions designed to make it easier for you to provide high-quality patient care.

Healthcare banking at FNBO isn’t like banking with other financial institutions. We know that it takes a strong community to deliver quality health services, and we want to play our part, ensuring you have the capital to be there for your patients today and tomorrow. As the industry continues to rapidly evolve, we partner with you to identify opportunities and the solutions to help you seize the day.

Lines of Credit
With an FNBO line of credit, the liquid or fixed assets of your business become the bridge toward financial security and growth. Take advantage of opportunities as they emerge while maintaining the highest standards of care for your patients.

Construction Finance
From doctor’s offices to hospitals, building a healthcare facility requires specialized understanding of regulatory oversight as well as the changing expectations of your patients. FNBO lending professionals are experienced in all aspects of healthcare construction finance to help you navigate the course.

Acquisition Loans
Sometimes it just makes sense to combine facilities and expertise. At FNBO, we’ll help you plot the course for your future acquisition and easily move through the financial journey.

Syndication Loans
At FNBO, we specialize in custom loan syndication services for borrowers whose credit needs require a multibank credit solution. Each loan execution is customized to support your company’s short and long-term goals. Our team of healthcare banking financing experts understand the opportunities and challenges of the healthcare industry and are steadfast to establishing the funding you need through our syndication services.

Public Finance
We believe the success of a community is built on reliable access to healthcare services. Our team of professionals will deliver experienced and knowledgeable guidance, providing you with the support and financial products you need to expand and grow.

  • Tax-Exempt General Obligation Bonds
  • Tax-Exempt Revenue Bonds
  • Taxable Advance Refunding

Comprehensive Healthcare Banking Solutions

Commercial Payments

Our Treasury Management experts will help blend innovative payment solutions with your unique revenue cycle management needs in the healthcare industry.

Wealth Management

Full service personal and business wealth solutions to help you build, protect and manage your wealth for the long run.

Commercial Card

Maximize working capital and improve efficiencies by incorporating a commercial card in your payments process.

Business Services

Keep your business running smoothly with technology, card processing, payroll solutions and more.

Healthcare Banking Client Arrangements

Non-Profit Acute Care Hospital

$275MM

Acted as administrative agent on a revenue pledged syndicated revolving credit facility.

Non-Profit Health System

$15MM

Provided term note financing for an acquisition of a 202 bed Acute Care Hospital.

Non-Profit Health System

$506MM

Managed $250MM in short term investments and $256MM in fixed income and equities.

Privately Owned Specialty Hospital

$26.5MM

Managed the underwriting of a taxable bond.

Non-Profit Acute Care Hospital

$98MM

Managed the underwriting of taxable advanced refunding.

Non-Profit Acute Care Hospital

$76MM

Managed $76MM in fixed income and equities.

Contact a Healthcare Banker