Company Profile

HLC Financial Services, Inc. is a nationwide financial services company for commercial businesses, healthcare providers and government agencies.

We specialize in alternative financing (non-traditional financing) -- providing fast and easy financial solutions with greater flexibility and access to capital. Our focus is helping you overcome cash flow and other financial challenges with proven financial solutions and extraordinary results.

We're a performance-driven company--no upfront fees. Your complete satisfaction is our #1 priority.


  • Commercial accounts receivable (A/R) factoring or A/R funding
  • Commercial accounts receivable (A/R) financing (asset-based loans)
  • Pharmacy accounts receivable (A/R) funding
  • Medical accounts receivable (A/R) funding
  • Medical accounts receivable (A/R) financing (asset-based loans)
  • Equipment financing, commercial, healthcare and government
  • Commercial and Healthcare real estate
  • Contract and purchase order financing

Here's how alternative financing helps you:

Accounts receivable(A/R) factoring provides you with immediate debt-free cash for your business. It's the fastest and easiest form of business financing.

A/R factoring, also known as A/R funding  is the sale of commercial invoices at a discount by a business for immediate cash. Benefits for you:

  • Helps to eliminate the often long wait-time for invoice payments
  • Enables funding of payroll, inventory, business growth and other business needs
  • No requirements for credit scores, financial statements or time-in-business
  • It's easy: Just about any commercial business is eligible for A/R factoring or A/R funding if it has invoices for goods or services delivered or rendered to a commercial business or government entity.

HLC Financial Services arranges A/R funding for companies nationwide with monthly invoices ranging from $50,000 to $20,000,000. Additional funding is also available to meet your financial needs. Click here for more information.

A/R Financing: A flexible and efficient cash flow solution

A/R financing provides you with a prime interest rate loan structured as a revolving line of credit. Draw down and repay as you're paid from the collection of your accounts receivable. Unlike traditional loans, there is more focus on the quality of your accounts receivable than your ability to repay the loan. Also, this cash flow solution provides you with greater flexibility and access to capital with fewer restrictions compared to traditional loans.

HLC Financial Services arranges A/R financing from $500,000 to $15,000,000. Click here

Fast, easy and flexible alternative healthcare financing for healthcare providers

(Hospitals, Physicians, Pharmacies, Medical Clinics, Home Health, Nursing Homes and other healthcare providers)

Fast, easy and flexible medical A/R solutions:

Medical accounts receivable (A/R) Funding -- A debt-free cash flow solution that converts third-party medical accounts receivable (A/R) owed by government agencies and insurance companies into fast working capital solutions without debt creation or restrictions on the use of funds.

Other advantages of using medical A/R or healthcare A/R to fund your business

  • Provides a steady and predictable cash flow
  • Provides unlimited and continuous funding as your medical A/R grows
  • Helps to eliminate the long wait-time between service and reimbursements

Pharmacy accounts receivable (A/R) funding -- A fast and easy cash flow solution for independent pharmacies, including retail, specialty, compound and hospital pharmacies. Other pharmacies are on a case-by-case basis.  Benefits for you:

  • Next day funding -- after initial approval
  • Debt-free continuous and unlimited funding
  • Detailed claim reports assist in back-office operations

HLC Financial Services arranges pharmacy A/R funding starting at $5,000,000 in accounts receivable/medical claims owed by federal agencies, insurance companies and self-funded employers.

Medical A/R financing -- A prime plus interest rate loan or a revolving line of credit secured by your third-party medical A/R. It's flexible convenient and cost-efficient. Request funds as needed and repay as you're paid from the collection of your medical A/R. Virtually unlimited capital for qualified projects.

Other healthcare financing:

  • IT project financing for electronic health records conversion
  • Leases for all types of hospital and other medicalequipment
  • Funding for healthcare real estate: acquisition, refinancing, sale leaseback and construction to permanent financing Click here

HLC Financial Services arranges medical A/R funding from $100,000 to $25,000,000 and medical A/R financing from $1,000,000 and upward. Healthcare real estate funding starts at $350,000 and up. Virtually unlimited capital is available for qualified healtcare projects or services.

Equipment Leasing/equipment financing: Get equipment with little or no cash

Acquire business or medical equipment without a large outlay of cash or impacting your existing line of credit. This cash flow solution is equipment leasing. Equipment leasing gives you the right to acquire and use equipment in your business without actual owning it in exchange for monthly rental payments. Benefits: 100 % financing and budgetary advantages.

HLC Financial Services arranges equipment leasing from $25,000 to $250,000 on an application only basis.  Funding amounts over $250,000 require financials. 

Project/Equipment Financing for state & local Governments

Provides tax-exempt long-term loans and innovative lease financing for a broad range of projects, including equipment, vehicles, healthcare, energy conservation, infrastructure and much more. Funding starts at $500,000 with no maximum for qualified project. Click here

Contract Financing

Contract Financing: An alternative financing solution that enables you to acquire equipment to fulfill a long-term service contract or produce a contracted product for a publicly traded company or a private company. This cash flow solution accelerates contract revenues. Funding starts at $500,000 is virtually unlimited. Click here


  • Manufacturers
  • Healthcare providers
  • Pharmaceuticals
  • Telecommunications
  • U.S. Government Contractors
  • Staffing companies
  • Trucking & Transportation
  • Environmental companies
  • Wholesalers & Distributors
  • Importers & Exporters
  • Security Guard Companies
  • State and local governments
  • Equipment companies
  • Oil field service providers

Since 1999, we have helped clients achieve their financial objectives through alternative financing. Your complete satisfaction is our #1 priority.

HLC Financial Services, Inc. has an A+ rating and is a Better Business Bureau accredited business. Call (708) 225-1483 today and get a financing solution with greater flexibility and access to capital. Our business is helping yours.

HLC Financial Services, Inc. is a BBB Accredited Financial Service in South Holland, IL

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