1. www.PHFunding.com
888.478.7111

2. • Factors are not subject to the FDCPA; accounts they advance
against can’t be in default or classified as “bad debt”
• Factors DO NOT fund on self-pay accounts
• Factors DO NOT fund on older accounts (180+ days)
• Accounts that don’t collect must be re-purchased by the
hospital (significant recourse provisions)
• Factors hold back a reserve (20+%)
www.PHFunding.com
888.478.7111

3. • As a purchaser, we are subject to the FDCPA and must be
compliant with federal (and state) laws and regulations
• ALL accounts purchased are self-pay
• ALL accounts purchased are NON-PERFORMING
• Accounts can be from day 1 up to 3 years from DOS
• Our sales are structured as NON-RECOURSE
www.PHFunding.com
888.478.7111

4. “Accounts Receivable Which Are Not Acceptable
We presently do not fund accounts receivable that are owed by
patients directly (also known as self-pay).”
“..the following types of receivables cannot be considered for
medical receivables factoring:
• Private (self-pay) receivables
• Receivables past 180 days”
“[We} will use the remaining 20% (reserve) as a buffer in case
some of the bills do not get paid or if they are billing errors.”
www.PHFunding.com
888.478.7111

5. • All we purchase are non-performing, self-pay accounts
• Self-pay
• Self-pay after insurance
• We purchase at any stage of the revenue cycle (i.e.
archive, fresh, early out, etc.)
• We structure transactions as NON-RECOURSE
• Acquisitions can be a one-off (archive) and/or ongoing
(forward flow) basis
www.PHFunding.com
888.478.7111

6. • A sale immediately transforms non-performing accounts into
debt free capital straight to the bottom line
• Partnering with a reputable buyer shortens the revenue cycle
and dramatically increases your self-pay account revenue
• A buyer, due to being subject to state and federal
laws/regulations, has significant operational (compliance &
licensing) risk in how patients are treated and their accounts
resolved
www.PHFunding.com
888.478.7111