Innovative Tools to Increase Healthcare

Profitability………

The “No Risk” Funding Way

As Individuals & Families face the
challenges of healthcare costs......
Providers Face Financial Challenges Due to.....

Escalating Costs
•

Unpredictable Financial Markets

•

Accounts Receivable Delays

•

Internal Waste
•

Overhead
•

Treatment of the Uninsured

•

Inefficient Government Bureaucracy

•

Increased Insurance Profits from A/R Delays

•

Costs of Borrowed Capital

•

And the list Continues.....

•
While Government & Media Focus On The Needs of
the Uninsured

Providers Face Immense Fiscal Challenges, Public

Apathy And Government Agendas Won’t Deliver
Providers With Effective Solutions…...
Because Money Doesn't Come With Instructions.....
1st Choice Funding Provides Innovative Financial
Solutions to Resolve the Fiscal Challenges
Facing Healthcare Providers Today....
 Patient Services vs. Provider Needs

The Facts Are Clear:

While healthcare providers ensure timely
patient care, the same providers wait at
best weeks until collection, and in most
instances the wait is months for A/R collections. And
for providers whose services are medical lien
secured….A/R delays may be years with still yet
collection risks.

Even worse is the ever growing uninsured U.S.

population. For these patients providers are forced to
assume costly and unpredictable A/R collection expense. Healthcare providers face
guaranteed expense and charge off's to bad debt as an ever present reality. Chasing bad
money with good.

The financial health of healthcare is painfully obvious, A/R delays and bad debt affect
providers across every sector of the industry. The facts remain; providers carry immense
financial burdens from pending, uncollected and bad debt A/R. Thus the financial integrity
of healthcare profitability is significantly compromised under the current system.

As a healthcare provider wouldn’t you agree it's time for a change?....

 What 1st Choice Funding Provides
1st Choice Funding also agrees….
In order to tackle the ominous challenges facing healthcare
providers, innovative financial solutions which guarantee effective
results are what must be provided in order to resolve the
economic challenges healthcare providers face.
Innovative financial solutions are exactly what 1st Choice Funding
provides as we now present long past due financial options to
achieve increased healthcare profitability today…..& tomorrow.
Only 1st Choice Funding delivers twelve methods to achieve
increased cash flow through no debt means.
“No Risk” Solutions Provide the Answer
Understanding the challenges facing
healthcare providers, 1st Choice Funding offers
a unique “solutions oriented” financial portfolio
which delivers....
“Risk Free - Debt Free” Healthcare
Capital
Providers who utilize our targeted financial
strategies resolve the “long past due need” to
meet such challenges, doing such head on and
ensuring greater profitability through
increased capital, cash flow and reduced
overhead expense.
Simply Put;
Our services deliver real results...fast.
Please review the following information as we
present Healthcare's Innovative Financial
Solutions… the “No Risk” way...
 12 Effective Tools
To Increase Healthcare
Profitability
The “No Risk” Way
 Cash Infusions The 1st Choice Funding Way
Without incurring debt, healthcare providers can utilize cash flow from untapped, often unused and sometimes unknown
assets to create “Cash Infusions of Risk Free, Debt Free Capital”. 1st Choice Funding's portfolio of financial tools to
achieve such include:

Group 1 - Typical A/R 1. Accounts

Receivable Lines of Credit – Up to 72% A/R Net Worth Now- No More Delays 2. Accounts
Receivable Factoring – Up To 97% Over Time or No Interest 3. Accounts Receivable
Portfolio Funding – The “Cash Out/No Payment” Solution

Group 2 - Medical Lien A/R

4. Medical Lien Accounts Receivable
Funding – Guaranteed Capital w/o Provider Risk 5. Medical Lien Procedures Funding –
For Ongoing Services Lien Capital w/o Risk 6. Medical Lien Prescription Funding –
Another Option for ongoing Lien Capital w/o Risk

Group 3 - Bad Debt A/R

7. Accounts Receivable Bad Debt Portfolio Purchasing – Something for Nothing

Group 4 - Self Pay A/R

8. Co-Pay/Deductible Software – The Web Based Guaranteed Solution

9. Co-Pay/Deductible Account Servicing – Risk Free Low Cost Expense Control
10. Uninsured Patient Servicing – Stop Chasing Bad Money With Good
11. Uninsured Patient Financing – The “Patient Friendly” Credit & Financing Solutions
12. Uninsured Patient A/R Purchases – The “Mother Lode” for Self Pay
We’ll Now Explore Each Financial
Solution......
 Group 1 Typical A/R

“No Risk” Accounts Receivable Lines of

Credit
“No
Risk”Accounts Receivable Factoring
“No
Risk”Accounts Receivable Funding
“No Risk” A/R Portfolio Funding Delivers
Providers Obtain Cash Infusions For A/R From
• Insurance Receivables
• WC/Government Receivables
• 3rd Party Receivables

“No Risk” A/R Capital Provides.............

• Access to Unlimited Investor Resources
• Provides a “No-Debt” Source for Capital
• Boosts Liquidity by Better Utilization of Assets
• Provides Seamless Implementation
• Eliminates Fiscal Delays in A/R
• Eliminates Financial Risk
• Reduces Overhead Expense
• Provides Significant Increases in Profit Margins
 “No Risk” A/R Funding Options Include
Option 1. “No Risk” A/R Lines of Credit

Secured by a UCC-1 lien, a Line of Credit provides a cash infusion of up to 72% of the net worth of
a portfolio. Without delay providers obtain cash now and pay 2% in monthly interest deducted direct
from incoming A/R. The 98% remaining A/R is applied to the balance of the Line of Credit. With a
Line of Credit new A/R is added monthly to continue the cash revenue cycle indefinitely. Application
is free underwriting fee's vary. Monthly Portfolio Minimum is $250,000.00.

Option 2 a. “No Risk” A/R Portfolio Factoring

“No Risk” Portfolio Factoring infuses providers whose portfolios have a minimum monthly volume
of $25,000.00 with a “No Interest” option and the discount rate serves as the interest. The maximum
amount available is 90% short term and longer A/R collections mean lesser the %. Application is
free, underwriting fee's vary. A/R collections up to 150 days interest free for this option.

Option 2 b. 100% “No Risk” A/R Portfolio Factoring

Released in 2 phases of funding with the first 77% issued at contract implementation. When ½ of
the balance is paid from the A/R, the remaining 20% is released in a 2nd phase of funding.
Application is free, underwriting fee's vary. Portfolio minimum is $250,000.00 per mo. For A/R up to
150 days

Option 3. “No Risk” A/R Portfolio Funding

“No Risk” Portfolio Funding deliver for providers seeking to liquidate a portfolio in a lump sum
without re-payment commitment. Portfolios are purchased at a discount depending on the portfolio's
net worth. Providers capitalize on the value of money TODAY vs. TOMORROW! Minimum portfolio
size is $50,000.00 monthly. Application is free, underwriting fee's vary.
 Group 2 Medical Lien A/R
“No Risk”Medical Lien A/R Portfolio Funding
“No Risk”Medical Lien Procedures Funding
“No Risk” Medical Lien Funding Offers…
Providers Obtain Medical Lien Cash Infusions From
• Liability Insurance
• WC/Government
• 3rd Party Payers

“No
Risk” Medical Lien Funding Provides...........
• Access to Unlimited Investor Resources
• Provides a “No-Debt” Source for Capital
• Boosts Liquidity by Better Utilization of Assets
• Provides Seamless Implementation
• Eliminates A/R Delays
• Eliminates Fiscal Risks
• Reduces Overhead Expense
• Provides Significant Increases in Profit Margins
 “No Risk” Medical Lien A/R Portfolio Funding
Option 4. “No Risk” Medical Lien Funding
Healthcare providers whose services are LLOP secured find “No Risk”
Medical Lien Funding a welcome “financial bridge” for providers seeking
guaranteed payment without risk of lawsuit settlement & collection.

In fact “No Risk” Lien Funding provides capital regardless of litigation

success. For providers “No Risk” Funding ensures providers receive
guaranteed cash infusions risk free to the provider.

This program converts personal injury patients into a PI cash generating

resource as ageing receivables convert into cash without waiting.

1st Choice Funding’s Medical Lien program delivers to providers either a

“most return” or a “most cash in hand now” option. Each best serves
providers differently depending on the financial goals and agenda of the
provider. The bottom line is; providers obtain a what best suits the financial
goals and agenda’s of the provider.

With “No Risk” Lien Funding providers can exponentially grow a revenue
stream from lien patients because Lien Funding delivers revenue on all
patients in a portfolio. (Minimum portfolio size is $250,000.00) Instead of “cherry
picking” through patient files, 1st Choice Funding delivers guaranteed
revenue for all patients in a portfolio.

Application is free, underwriting fee's vary depending on portfolio size.

1st Choice Funding Medical Lien program provides even more because …..
“No Risk” Medical Lien New Patient Funding
Option 4b “No Risk” Medical Lien New Patient Funding
“No Risk” Medical Lien Funding does more than lien portfolio purchases. We purchase new
medical lien patients providing an effective long term financial solution.

“No Risk” Funding on new lien patients differs from portfolio purchases as each lien case must
be pre-approved before treatment. Why? To protect providers from lien secured cases who
lack;

1. Legitimate Legal Merit 2.

Provable Liability 3.
Sufficient Insurance to Cover Medical Expenses

While attorneys refer medical lien patients to providers, the same attorneys can some times
loose objectivity and refer cases lacking merit, liability or sufficient coverage. While legal
expenses and attorney time are wasted attempting to collect such cases, medical costs far out
weigh legal costs as medical costs dwarf actual legal expenses.

Therefore because medical providers have more financially at stake, 1st Choice Funding works
to protect providers from problematic cases.

Additionally, because pre-approved lien case have more value per case than a portfolio where
no pre-screening process was performed, pre-approval reduces the “law of losses” a portfolio
contains which impacts healthcare providers bottom line.

Application is free, underwriting fee's per patient are $150.00 each. Such is you’ll undoubtedly
agree a wise investment in protecting your financial resources.
 Medical Lien Procedures & Prescription
Funding
Option 5. “No Risk” Medical Lien Procedures Funding
Option 6. “No Risk” Medical Lien Prescription Funding
Providers who receive “No Risk” Medical Lien Portfolio Funding, or who seek to add lien
services to a practice, find yet another profitable opportunity as patients need on-going lien
secured procedures and prescriptions.
“No Risk” Medical Lien Procedures and Prescription Funding adds to the arsenal of lien
solutions. These programs too offer a “financial bridge” of guaranteed capital without case
settlement for lien secured ongoing care.
“No Risk” Medical Lien Funding offers 3 unique solutions for providers to benefit from,
regardless of patients litigation outcome. Cash flow without risk is what providers are
guaranteed as this program keeps providers in the business of medicine, and out of the
risks associated with law.
This unique program turns personal injury patients on-going and prescription needs into
revenue without provider risk.
“No Risk” Lien Procedures & Prescription Funding deliver cash infusions to providers who
enroll in our program. Plus protection from patients is also provided by our legal teams
who work to protect providers. How so?
Our experts know the law, the courts and case settlement values. With such knowledge
healthcare providers are protected from problematic patient cases, the ones where there’s
no legitimate legal merit, no provable liability, or insufficient insurance to collect from.
Thus Medical Lien Portfolio, New Patient, Procedures & Prescription Funding provide a
sound financial mechanism to exponentially grow and prosper from lien patients…. risk
free.
Application is free, implementation and underwriting fees vary.
 Group 3 A/R Bad Debt
“No Risk” Bad Debt A/R Portfolio Funding
 “No Risk” Bad Debt Funding Offers…
Providers Obtain Cash Infusions on A/R From
• Self Pay
• Uncollected Insured
• Uncollected Co-Pay/Deductible
• All Bad Debt

“No
Risk” Medical Capital Provides.............

• Access to Unlimited Investor Resources

• Provides a “No-Debt” Source of Capital
• Boosts Liquidity by Better Utilization of Assets
• Provides Seamless Implementation
• Creates an Asset from a Liability
• Provides Increased Profitability
• Eliminates Complete Loss From Charged Off Accounts
“No Risk” Bad Debt A/R Portfolio Purchasing
Option 7. “No Risk” Bad Debt A/R Portfolio Purchases

With this amazing option “No Risk” Bad Debt Funding creates
an asset from liabilities previously written off as bad debt.

Uninsured “self-pay” accounts receivable are the number one

contributor to healthcare bad debt as tough patient collections
are often deemed “uncollectable”.

“No Risk” Bad Debt Funding provides value by monetizing all

bad debt receivables without recourse to the provider.

By purchasing all bad debt receivables from 1 month to Out-

of-Statute debts years old, bad debt account receivables
funding improves the bottom line with an untapped,
unrealized, and uncollected asset.

“No Risk” Bad Debt Funding generates cash flow where only
balance sheet liability and proof of wasted assets once were.

Application is free underwriting fees vary depending on the

size of the portfolio.
 Group 4 Self Pay
“No Risk” Co-Pay/Deductible
Software

“No Risk”
Co-Pay/Deductible Servicing
“No Risk” Co-Pay/Deductible Solutions Offer
Providers Obtain Cash Infusions of Accounts Receivable From
• Patient Co-Pay Accounts Receivable
• Patient Deductible Accounts Receivable

“No Risk” Capital Provides.............

• A “No-Debt” Source for Cash Infusions
• Boosts Liquidity by Better Utilization of Assets
• Provides Seamless Implementation
• Eliminates A/R Delays
• Eliminates Financial Risks on Collections
• Reduces Overhead Expense in Collections
• Provides Significant Increases in Profits
• Delivers Guaranteed Returns on Collection
Co-Pay/Patient Deductible Software Solution
Option 8. “No Risk” Co-Pay/Deductible Software
“No Risk” Co-Pay/Deductible Software is a web based solution that contains all
insurance provider's and their up-to-date policies across the U.S. With this system a
patients information is available with just the swipe of a patients insurance card. This
system then delivers instant patient responsibility information which ensures
providers know what to collect before services are performed.

With a second swipe of the patients credit/debit card payment is reserved in the
amount estimated on the EOB until confirmation affirms the patients co/pay portion.
Upon receipt of the EOB confirmation (usually in days), the system then finishes the
transaction by processing the CC and depositing the reserved monies into the
providers account seamlessly, automatically.

Much like a hotel who reserves funds on a CC upon check-in and then completes the
transaction at check-out, this solution eliminates co-pay/deductible billing,
accounting, and bad debt losses, while delivering nearly 100% guaranteed
collections.

Implementation and subscription fees for 1-3 providers on a 3 year lease are only
$600.00 a mo.

Application is free, implementation fees vary and can be included in the mo. lease
Co-Pay/Deductible Account Servicing
Option 9. “No Risk” Co-Pay/Deductible Servicing Solution

Our “No Risk” Co-Pay/Deductible Servicing is for providers who elect an alternative to a monthly
lease. This program begins with guaranteed 91% return from all collected patient receivables.

But it does more. This option also increases the guaranteed returns with savings achieved through
reduced accounting and collection expense for patients enrolled in the program.

What's more patient servicing generates interest on A/R balances for providers who utilize our patient
responsibility forms.

The bottom line; with this option providers earn over a 100% return on A/R collections when
combining the 91% return with earned interest and reduced internal costs.

Patient Servicing can be used for existing patients who execute our agreement and new patient
enrollment is simply implemented at patient admission. Providers who utilize this system have 100%
patient servicing acceptance.

The enrollment fee is only 5% of the A/R balance with a cap of $125.00 per account. For accounts
enrolled who are uncollected there's also another feature provided at no cost and that’s the transition
of any enrolled files into our bad debt purchasing which delivers the ability to recover all or a portion
of the enrollment fees.
 Group 4
“No Risk” Self Pay Patient A/R
Servicing, Financing & Provider Funding
 “No Risk” Uninsured Patient A/R Servicing
Option 10 – “No Risk” Servicing Self for Pay A/R “No
Risk” Self Pay A/R Servicing is much like Co-Pay Servicing as it delivers an
amazing guaranteed 91% of A/R collection return.

As incredible as guaranteed 91% returns are, this program

delivers earned interest on patient balances when providers
utilize our patient responsibility forms to legally establish
a providers right to earn interest on patient A/R balances.

Added also is the significant savings obtained from internal collection

expense reductions providers are relieved of as this program handles all billing and
collection expense on enrolled patients.

With “No Risk” Self Pay Servicing providers enjoy 100% patient enrollment
acceptance and for patient accounts enrolled who are uncollectable, there's another benefit at no cost. All bad
debt patient files enrolled are transitioned into our bad debt purchasing program which delivers to providers the ability to
recover all or a portion of the patient enrollment fees.

Plus Self Pay A/R Servicing delivers on patient collected A/R an over 100% return. All these benefits are available for a
low per patient enrollment fee of just 5% of the A/R balance with a $125.00 cap per account.

This fee delivers all the above but there's even more it delivers......
“No Risk” Uninsured Patient A/R Financing
Option 11a Patient Financing With Acceptable Credit
With our amazing A/R Self Pay enrollment patients whose credit is as low as 630 are
financed through our “No Risk” Patient Pay Financing. Patients obtain financing while
providers obtain cash infusions from financed patients.

This “patient friendly” program builds credit by reporting payment history to all credit bureaus.
Amazingly this program offers financing determinations not by an arbitrary computer scoring
system but instead by real people who know the financial crisis of the last year and who can
look past such for the real picture of a patient's credit. For patients to qualify for financing
patient’s criteria includes;

1. Patient must have income and a down payment (to be determined upon approval)

2. Financing for 36 months

3. A/R balance max $6500.00 after down payment is applied

4. Patient must have a checking account & working phone

5. Patient must execute financing contract

6. Patient must have credit with more than one account on record

Patient's enrolled in Co/Pay Servicing are automatically enrolled in this program. For patients
whose credit disqualifies them 1st Choice Funding provides another option that benefits both
providers and patients.......
 “No Risk” Self Pay A/R Financing
Option 11b Self Pay Patient Financing Without Credit
It’s impossible in today's financial market to offer financing to credit damaged patients right? Well “No Risk” Patient
Financing delivers a “found no where else” solution as it offers after just 12 on time payments, and minimum qualifying
criteria, a patient financing, provider infusion tool no matter the patients credit score!

Through “No Risk” Patient Servicing, with just 12 consecutive payments and patients have established credit being
reported to all credit bureaus. This “patient friendly” program builds and re-build credit. When compared to traditional
medical collections which lower a patients credit score, our financing reinforces positive patient relations as timely
payments build a patients credit. What great incentive for patients to pay their account wouldn’t you agree?

Patient Financing Criteria Includes;

1. Income from any source

2. Financing up to 36 months

3. A/R balance less than $8,000.00

4. Patient has a checking account & working phone

5. Patient executes financing agreement

6. Patient has no open bankruptcy

7. Patient has no significant credit changes and has 12 months timely payment history

Patients no qualified for financing receive the credit building tool and 100% patient acceptance. Once the criteria is met
the option to obtain financing becomes available.
 “No Risk” Self Pay Patient Financing
Option 11c Self Pay Patient Financing For Patient With Great Credit

With our medical credit card patients can obtain up to $25,000.00 or more in a credit line for medical needs.

Patient Financing Criteria Includes;

1. Must be at least 18 years of age
2. Must not have filed for bankruptcy in the last 5 years and not have been sent
to collections in the previous 3 years.
3. Monthly income must be at least $1,500.

How long do approvals take? When applying on-line immediate decisions are provided.

NO INTEREST FOR 6 MONTHS All approved applicants receive a special introductory

APR of 0% for the first 6 billing cycles.

NO ANNUAL FEE TO PATIENT There are no annual fees to patients. An initial enrollment fee of $500.00 is
required with a 3% contribution from the provider

UTILIZE THE CARD FOR OTHER FAMILY MEMBERS There are no limits as to the cards use for other family
members without having to reapply for an additional card.
 “No Risk” Self Pay A/R Provider Funding
Option 12 Provider Cash Infusions From Self Pay Financing
Patient Financing, Servicing and Provider “Cash Infusion” Funding - A “Win-Win”
For All!
A. Patients who meets the credit criteria are financed with:
1. Income from any source
2. Financing up to 36 months
3. Balances up to $6,500.00
4. Patient must have a checking account & working phone
5. Patient must execute financing contract
6. Down payment is required
7. Minimum fico score 630
For each patients whose A/R is financed, providers obtain a
guaranteed 77% of the A/R in a cash infusion upon patients
execution of the financing agreement. (paid in a 30 day cycle)
B. Patients who don’t qualify for financing and who establish 12 on-time
payments receive financing under these terms:
1. Patient has income from any source
2. Financing up to 36 months
3. A/R balance less than $8,000.00
4. Patient has a checking account & working phone
5. Patient executes financing agreement
6. Patient has no open bankruptcy
7. Patient has no significant credit changes & establishes 12 mo. payment history
For each “no credit” patient whose A/R balance is financed, providers are guaranteed a 67% cash infusion
of the contract amount when patients execute the financing agreement! (paid in a 30 day cycle)
Patients who don't qualify for financing still deliver a 91% return on collections, plus interest, and internal
collection expense savings!
“No Risk” Self Pay A/R - Provider Funding
Benefits
Option 12 Provider Benefits
Patient Financing & Servicing - Provider “Cash Infusions” a “Win-Win” For
All!
“No Risk” Provider Funding enables healthcare providers to;
Stop Writing Off As Bad Debt Untapped Assets
Stop Absorbing Collection Expense For Self Pay A/R
Stop Financing Self Pay A/R Patients In House Interest Free
Stop The Financial Drain Unpaid Patient Accounts Create
Stop Absorbing Losses For Patients Who Default in Bankruptcy
With “No Risk” Self Pay Funding, providers generate incredible sums of “cash infusions” from
patient A/R financing.
In addition, regardless of what happens to a patient’s account after purchase, providers are
protected by our “No Risk” guarantee which means if a patient for any reason defaults on the
purchased account, there is no recourse to the provider as providers are 100% protected from
account default!
That's right, providers whose patients default after an account is purchased are protected from
defaulted accounts as providers have no future liability for Self Pay A/R purchased!*
(*The exception is contracts where patients cancel future services. The provider being paid the full
balance simply replaces with equal value the patient A/R, or refunds the balance. This applies only
to future services where contracts are paid in full. i.e. chiro, elective services, etc.)
The Bottom Line;....Onlyst “No Risk” Provider Funding delivers this kind of an asset from self pay A/R!
And Only 1 Choice Funding can convert problematic A/R into cash infusion A/R!
“No Risk” Self Pay Solutions Offer…

Self Pay A/R Funding Delivers to Providers Cash

Infusions From;
• Credit Worthy Patients Financed
• Non Credit Worthy Patients Who Establish Credit
• Savings From Collection Expense
• Access to Unlimited Investor Capital
• A “No-Debt” Source for Capital
• Boosts Liquidity by Better Utilization of Assets
• Provides Seamless Implementation
• Delivers Guaranteed Returns on Self-Pay Collections
• Reduces Self-Pay Fiscal Risks
• Reduces Overhead
• Provides Protection From Delinquent Self Pay A/R
• Provides Significant Increases in Profit Margins
 Are You Ready To Utilize Our Service? The 1st Step is to Download Our
Exclusive Representation Agreement;

By Clicking Here:
http://1stchoicefunding.com/Healthcare-Provider-Representation-Agreement.pdf

Execute the Agreement and Return by Fax to 949.272.2382

or by email to; information.services@

Upon Receipt We'll Contact You Promptly to Begin Your A/R Funding Request
 For Questions Please Email:
information.services@1stchoicefunding.com
or call
Toll Free
800-839-0939 Ext 623