Healthcare Banking Services
Managing finances in the healthcare industry comes with unique challenges. From reimbursement delays and rising operational costs to complex healthcare payment structures, even well-established providers can face financial strain. Add the pressure to reduce paper-based workflows, navigate regulatory requirements, and manage supply chain financing, and it becomes clear that partnering with a banking provider who understands the healthcare landscape is essential.
At Sunwest Bank, we provide healthcare banking solutions designed to help healthcare organizations stabilize cash flow, strengthen efficiency, and deliver on their mission. With decades of experience supporting healthcare professionals, we offer customized solutions that streamline operations, simplify payment processing, and provide timely access to capital so you can focus on care.
Healthcare Banking Solutions Built for Your Needs
Those in healthcare today face constant financial challenges: delayed reimbursements that disrupt cash flow, complex insurance communications, strict regulatory oversight from federal government agencies, and rising administrative costs that pull focus from patient care. The integrated healthcare banking solutions we offer are built to address these challenges head on.
Business Accounts
Simplify daily operations and manage organizational funds with ease
Purpose: Provide secure and flexible accounts for everyday use.
Use Cases: Patient billing deposits, payroll management, expense tracking.
Features:
- Multiple business checking and savings options
- Online banking with role-based access for administrators
- FDIC insured balances (Member FDIC)
- Separate accounts for operating, reserve, and trust needs
Ideal for healthcare organizations that need transparency, flexibility, and compliance support.
Treasury Management
Control cash flow and reduce administrative burdens
Purpose: Streamline outgoing payments, improve receivables, and strengthen compliance.
Use Cases: Insurance communications, vendor management, payroll, recurring expenses.
Features:
- Automated ACH for reimbursements and vendor payments
- Positive Pay and fraud detection tools
- Remote deposit capture to eliminate paper-based processes
- Real time monitoring of cash flow cycles
Perfect for organizations looking to cut down on manual work while protecting funds.
Merchant Services
Simplify patient billing and payment acceptance
Purpose: Improve patient experience with easier payment options.
Use Cases: Collecting healthcare payments in person, recurring bills, online billing portals.
Features:
- Flexible credit card and ACH payment processing
- Integration with healthcare billing systems
- Secure technology to protect patient data
- Faster settlement to improve working capital
Designed for healthcare practices that want to improve client satisfaction and reduce delays.
Healthcare Savings (HSA)
Help employees save for medical expenses with ease
Purpose: Provide employees with accessible savings vehicles for healthcare costs.
Use Cases: Employer sponsored HSA programs as part of benefits packages.
Features:
- Interest bearing HSA accounts
- Online banking and contribution tracking
- FDIC insured balances (Member FDIC)
- Flexible account setup for employers
Built for healthcare organizations wanting to enhance employee benefits and retention.
Loans & Financing Solutions
Flexible lending designed for healthcare organizations
Purpose: Provide access to capital for growth, staffing, or unexpected costs.
Use Cases: Expanding office space, bridging reimbursement gaps, seasonal expenses, technology upgrades.
Features:
- Term loans and revolving lines of credit for working capital
- Small Business Administration loan programs for qualifying healthcare practices
- Financing solutions for business acquisition, renovations, or debt refinancing
- Responsive loan officers guiding you through the credit approval process
Ideal for organizations that need financing solutions, our healthcare financial services support both short term and long-term needs.
Note: We do not offer Equipment Financing, Physician Wealth Management, Capital Markets, or Laurel Road solutions for healthcare organizations.
Our Expertise in the Healthcare Sector
We collaborate closely with healthcare companies across the continuum of care. Our team brings financial acumen and healthcare fluency together to support you whether you’re scaling operations or optimizing cash flow. We work with the following sectors:
- Behavioral Health & Addiction
- Long Term & Chronic Care
- Primary Care
- Specialty Care Providers
- Surgical & Diagnostics Care
- Women’s Health & Family Care
By combining healthcare banking expertise with industry knowledge, we help providers maintain compliance, manage supply chain finance, stabilize cash flow, and support sustainable growth.
Why Sunwest Bank?
Sunwest Bank is more than a financial institution. We are a strategic partner delivering national expertise with local attention. As a privately held bank, Member FDIC, and Equal Housing Lender, we combine fast decision making with industry insight to serve healthcare professionals effectively.
- Customized solutions for healthcare providers and practices
- Responsive loan officers with industry experience
- Competitive rates and flexible repayment structures
- Guidance through every step of the loan process
- A full suite of banking solutions including lending, treasury, foreign exchange, and payment processing services
Whether you are a small healthcare practice or a large health system, we bring personalized solutions to help you navigate investment risks, manage supply chain finance, and grow with confidence.
Frequently Asked Questions
What are the most important banking solutions for healthcare organizations?
Healthcare organizations depend on business checking to separate operating and reserve funds, treasury services to manage delayed reimbursements and large vendor payments, merchant services to streamline patient billing, and lending options like lines of credit to cover payroll or invest in new medical technology. These solutions help stabilize cash flow, improve payment processing, and support regulatory compliance.
Can healthcare savings accounts (HSAs) be offered through Sunwest Bank?
Yes. Sunwest Bank provides HSA solutions that allow healthcare businesses to strengthen employee benefits programs by giving staff a tax-advantaged way to save and pay for medical expenses.
How does online banking benefit healthcare businesses with multiple locations?
Online banking makes it easy for health systems, clinics, and specialty practices to monitor balances, approve payments, and manage accounts across different sites with secure, role-based access.
How can banking services improve healthcare payments?
Integrated merchant services and treasury solutions simplify payment processing and insurance communications. They make it easier for patients to pay on time and reduce administrative costs, improving overall client satisfaction.
Why should healthcare professionals choose Sunwest Bank?
Healthcare professionals choose Sunwest Bank for our healthcare banking expertise, customized solutions, and competitive financing options. Our loan officers provide fast credit approval and guide you through a loan process designed to minimize investment risks while supporting your long-term goals.