Welcome to HLC Financial Services, Inc.                      

Company Profile

HLC Financial Services arranges cash flow solutions, including A/R financing, medical A/R financing, healthcare funding, business financial factoring, acquisition financing, working capital and other commercial   financing. We help commercial businesses and healthcare providers get greater flexibility and access to business capital through alternative business financing.

Our financial services --

Business financial factoring: Immediate debt-free cash for businesses with business-to-business or business-to-government invoices.Unlimited and continuous funding as your business grows.  Steady and stable business capital in unstable economic times!

Speed up your cash flow with immediate cash instead of waiting months for invoice payments. Get an immediate cash flow solution and eliminate financial stress through business financial factoring. It's fast and easy. No need for profitability, credit scores, time in business, upfront fees, financial statements or personal guarantees. Only about 5 minutes of paperwork is required for business financial factoring --- and we help you through the process.

HLC Financial Services provides business financial factoring for U.S. based companies doing business within the United States and internationally. Business financial factoring: alternative business financing for tough economic times. It's fast, easy, flexible and you're always in control. Learn More

A/R financing, also known as A/R funding and accounts receivable financing: We arrange A/R financing for commercial businesses -- providing you with greater flexibility and access to business capital using your accounts receivable as collateral for a loan.

A/R financing is easy, flexible, convenient and cost-effective: Payback the loan as you're paid from the collection of your accounts receivable. Interest rate is Prime +. It's convenient:  A/R financing can be structured as a line of credit or a revolving line of credit.

Easy and flexible: You have greater flexibility and access to business capital with fewer borrowing restrictions. More focus is on the quality of your accounts receivable than your company's balance sheet -- unlike conventional financing which focuses on your ability to repay a loan. Your business can have a negative cash flow and a few other problems and still get A/R financing.

We help manufacturers, medical staffing companies, temporary staffing companies, distribution companies and other commercial companies with  A/R financing. A/R financing or A/R funding  starts at $300,000 for commercial businesses. Learn More

Equipment leasing/equipment financing: 100 % financing for your business or medical equipment needs -- and get longer loan terms to fit your budget. While a cash purchase and taking out a loan are options to consider in acquiring equipment, a large outlay of cash or getting a loan may not be possible or practical for various reasons.

Equipment leasing is a cash flow solution, enabling you to acquire equipment without a large sum of cash or impacting your existing line of credit. You can also include soft costs, such as insurance and maintenance in your monthly lease payments. And there maybe tax benefits as well. Moreover, a conventional loan only provides about 70 % to 80% financing compared to 100 % financing for equipment leasing.                      

We also arrange  financing of  contracts when there is a component of equipment needed to fulfill a contract under the following conditions: You have a contract valued at $1,000,000 or more (no maximum) with a large end-user . Learn More

Healthcare funding and medical A/R financing for healthcare providers:  A cash infusion for health care providers -- providing cash flow solutions as follows:

Medical factoring: A quick debt-free cash flow solution for slow  third-party reimbursements  (Medicare, Medicaid, HMO/PPO, Private and Commercial Insurance). Enables you to get paid in days instead of months for your services. Improves cash flow without adding debt to your balance sheet. We arrange funding for health care providers with monthly third-party medical accounts receivable from $30,000 to $10 million.

Use your medical A/R for a cash infusion: Get greater flexibility and access to capital by using your third-party medical A/R  (Medicare, Medicaid, HMO/PPO, Private and Commercial Insurance) as collateral for a loan or a line of credit. It's fast, easy, flexible and less restrictive compared to conventional financing. We arrange medical A/R financing for you at the most competitive  rates  in the healthcare industry. Funding starts at $500,000  in monthly third-party accounts receivable, and is unlimited to healthcare providers through our financial partners. For more about medical A/R financing or medical financing, click here, Learn More                                                                                                                                                                             

Commercial real estate/acquisition financing: Provides permanent and interim financing for commercial real estate projects -- includes acquisitions, refinancing, bridge and mezzanine loans. Property types: hospitals, senior housing, nursing facilities, medical clinics, assisted-living facilities, apartments/multifamily, industrial buildings and other income producing properties. High-loan-to-value, non-recourse loans with low interest rates are available for certain property types, especially for health care projects. Competitive conventional loans are also available for non-healthcare projects.   Learn More

Municipal leasing -- tax-exempt and low cost equipment financing: We arrange tax-exempt equipment financing for states, cities, and counties,  such as county hospitals, city and state offices, public school districts, state universities, correctional facilities, fire and police departments. This includes all equipment deemed essential for state and local government.

Federal leasing: We also arrange equipment lleasing for federal agencies. This includes all equipment necessary for the function of the federal government, including computers, vehicles, office and communications equipment and other equipment. We also work with vendors who need lease rates for government proposals.

HLC Financial Services helps federal and state agencies to acquire needed equipment within their budgetary contraints through alternative financing. We also arrange equipment financing for indian tribal nations.  Learn More

HLC Financial Services provides fast and easy alternative business financing, including cash flow solutions, working capital, healthcare funding. equipment leasing and other commercial financing. Listed below is a partial list of industries and businesses we serve.

Partial list of industries/businesses we serve

• Manufacturers
• Medical/healthcare providers
• Medical staffing
• Ambulance companies
• Pharmaceutical companies
• Government contractors
• Security/Guard Services
• Janitorial/maintenance companies
• Distributors/Wholesalers
• Temporary employment agencies
• Telecommunications companies
• Equipment and supply companies
• Commercial real estate owners/developers
• Trucking companies and other transportation companies
• Federal, state/local governments and tribal nations