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

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Company Profile

Alternative Financing

HLC Financial Services is a nationwide financial services company,  specializing in  alternative financing  for commercial businesses, healthcare providers, state and local governments. We arrange financing solutions with greater flexibility, access to capital -- and with a higher level of customer satisfaction.

Services include:

  •       Immediate cash flow solutions
  •       Fast and unlimited working capital for qualified projects
  •       Creative commercial equipment financing
  •       Innovative financing for health care providers 
  •       Tax-exempt and long-term equipment financing for state and local governments      


  • A/R funding or invoice factoring: the sale of invoices or A/R for immediate debt-free cash
  • A/R financing or asset based financing: loans secured by accounts receivable or other business assets
  • Healthcare financing for providers: debt-free working capital, revolving lines of credit and 100 % financing for health care real estate ($350,000 to $5,000,000)
  • Equipment leasing/equipment financing: acquiring business and medical equipment with little or no cash
  • Large healthcare and commercial real estate projects: acquisition and refinancing (construction considered on a case-by-case basis)
  • Government funding: tax-exempt long-term state & local government financing (equipment, vehicles, infrastructure, energy conservation and much more)

Fast and easy financing solutions--here's how:

A/R funding/invoice factoring:The immediate cash flow solution

Immediate debt-free cash for your company with A/R funding, also known as factoring and invoice funding. A/R funding is the sale of invoices or accounts receivable (A/R) at a discount for immediate debt-free cash. This cash flow solution funds  payroll, expansion, inventory, financial obligations and much more. A/R funding is continuous and unlimited as your A/R increases -- providing you with a steady and predictable cash flow, eliminating the often long wait-time for invoice payments.

A/R funding is a fast, easy and proven cash flow solution with over $300 billion in transactions annually. Just about any commercial business is eligible for A/R funding if it has business-to-business or business-to-government invoices for product or services delivered or rendered.

HLC  Financial Services arranges A/R funding or factoring services for clients with monthly invoices ranging from $50,000 to $20,000,000.
A/R Financing
A/R Financing: A flexible and efficient cash flow solution
Obtain working capital with a prime plus interest loan secured by your accounts receivable (A/R). Get greater flexibility, access to capital and fewer restrictions compared to traditional financing. Unlike a traditional bank loan, there is more focus on thei the quality of your A/R than your ability to repay the loan. A/R financing is flexible and convenient. It is structured as a revolving line of credit.  Draw down and repay as you're paid from the collection of your accounts receivable.

Unlike A/R funding or factoring, A/R financing is a loan, whereas A/R funding is the sale of invoices for immediate cash with no debt creation.  Also, with A/R financing, your A/R asset can sometimes be combined with other business assets, such as equipment, inventory and real estate for a higher loan amount or to accelerate cash flow, as in the case of inventory

HLC Financial Services arranges A/R financing from $500,000 to $15,000,000. 
Healthcare Financing
Healthcare funding for healthcare providers with virtually unlimited capital
(Hospitals, Physicians, Pharmacies, Medical Clinics, Home Health, Nursing Homes and other healthcare providers)
Fast, easy and flexible medical A/R solutions:
Medical 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   
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 equipment
  • Funding for healthcare real estate: acquisition, refinancing, sale leaseback and construction to permanent financing  Click here
Equipment Leasing
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: Requires little or no down payment; you have gyou receive greater flexibility, budgetary considerations and with no debt to add to your balance sheet.

HLC Financial Services arranges equipment leasing from $25,000 to $250,000 on an application only basis. No financials are  required. Higher funding amounts over $250,000 require financials. 

Equipment Financing / Government
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
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 company providers
  • Commercial construction companies

Since 1999, we have arranged alternative financing for commercial businesses, healthcare providers and other clients. We're performance-driven--no upfront fees. 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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