Oak Hill Funding
How it works

Your expenses run on one schedule. Your collections run on another.

In short: your cash flow is out of sync.

You've earned the money by providing the services and submitting your invoices. The problem is payment hasn't arrived yet — and payroll won't wait.

The gap, on a calendar
Day 1
Services are rendered and your invoice is submitted
Day 5
Payroll — employees are paid
Day 45+
Payment is finally received
≈ 40 days you fund payroll out of pocket
However, with factoring the timeline looks like this
Day 1
Services are rendered and your invoice is submitted
Day 1–2
You sell your invoice(s) and receive an advance of 80–90% of the invoice amount
Day 5
Payroll is covered before it's due
Day 45+
Payment is received and the balance of the invoice is sent to you, less the applicable factoring fee.
Timeframes shown are illustrative.
What changes

Imagine receiving most of what you've earned within a day or two of billing.

That's exactly what invoice factoring allows you to do. Instead of waiting weeks to receive payment, your outstanding invoices can be converted into immediate working capital — so you and your team can focus on caring for patients and growing your business.

Invoice factoring isn't a loan, and it doesn't create debt. You aren't borrowing against your future. You're accessing money you've already earned, weeks before your customer would otherwise pay.

Receive an initial advance of 80% - 90% of the invoice amount
Receive the remaining balance when your customer pays, less the factoring fee.
No new debt appears on your books
Initial approval relies primarily on your payer's creditworthiness, not yours
You choose which invoices to factor, and when

Imagine...

Meeting your financial obligations without worry

Payday stops being a deadline you have to engineer around. For many companies, this alone is the biggest advantage of factoring.

Saying yes to new clients and increased demand

Take on additional clients and hours you'd otherwise turn down.

Hiring ahead of demand

Knowing your cash flow is covered, you can recruit and onboard employees before new contracts start, instead of scrambling once they do.

Covering taxes, premiums, and regular business expenses

Plan and meet financial obligations like taxes and regular operating expenses confident that your cash flow is secure.

Focusing on running your business

By smoothing out your cash flow, you can spend more time running and growing your business—and less time worrying about when your next payment will arrive.

Still have questions? That's normal.

See If You QualifyRead common questions