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Healthcare Banking

A suite of financing solutions in the Healthcare and Senior Living Industry.

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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.

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Doctors reviewing a chart together

AP Solutions

Payment Solutions for the Way You Work Today

Managing your accounts payable has never been simpler. FNBO’s payment solutions streamline payments, providing simple out-of-the box functionality with the robust capabilities you need to  meet cost control objectives and protect profitability.

First Payment Exchange
Built by healthcare, for healthcare, the First Payment Exchange platform provides innovative ways to streamline and optimize the AP process across your entire supplier network. With First Payment Exchange, 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
  • Pay all invoices efficiently and seamlessly from one consolidated file

Payables+
Payables+ automates the AP process, providing streamlined end-to-end performance from invoice capture through approvals tracking and onto payment and reconciliation. A transparent digital view ensures that you remain in complete control without the need for manual interventions that slow AP cycles and result in late or missed payments. With Payables+, healthcare organizations have an efficient and compliant way to reduce late payments and encourage bottom line profitability, while mitigating risks of payment fraud.

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.  

Stethoscope and medical chart

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.

Tailored LockBox Services
Streamline payment collections with tailored Lockbox services through FNBO. Our customized Lockbox services allow you to convert receivables quickly, proficiently and accurately. Quicken the collection of your healthcare organization's receivables, increase efficiencies, and report information extracted during processing.

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.

Alacriti
Real-time payments are the way of the future, and FNBO delivers with Alacriti. Alacriti’s omnichannel flexibility makes it simple for patients to pay bills anytime, anywhere, streamlining your revenue cycle management and reducing instances of bad debt. 

Outside of a hospital building

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
doctor treating a child

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.

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

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 and long-term care environments, 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.

Comprehensive Healthcare Banking Solutions

Treasury Management

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.

Continuing Care Retirement Community

$67MM
Provided mini-perm financing for the construction and renovation of a multi-location retirement community.

Senior Living Owner Operator

$17MM
Provided a bridge loan from acquisition into secondary market.

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