Healthcare Working Capital
Your clinic has already done the work. The payment shouldn't take three months.
Financing structured around how panel and TPA claims actually get paid — so salaries, rent and suppliers don't wait on a claims department.
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Predictable
Panel revenue arrives on your schedule, not the TPA's. Payroll, rent and supplier payments stop depending on when a claim gets processed.
Built for clinics
Structured around panel and insurer receivables specifically: claim cycles, TPA payment behaviour, multi-panel exposure. Not a generic SME loan with a clinic name on it.
Regulated capital, purpose-built assessment
We assess and structure your facility around clinic-specific economics — panel mix, claim cycles, payer behaviour. Funding is issued by financing institutions licensed by Bank Negara Malaysia and the Securities Commission, with Shariah-compliant structures throughout.
The Problem
You treated the patient in August. You get paid in November.
Panel and TPA work is good business — steady patients, predictable volume. But the payment cycle runs on someone else's timeline. Salaries are due monthly. Rent is due monthly. Suppliers want paying. The claim sits with an administrator for 60 to 90 days.
Most clinics absorb it quietly: capping how many panels they take, dipping into personal savings, or holding back on hiring and equipment. The constraint was never patient demand. It was timing.
The Process
How it works
Why Ministry of Capital
Built for Clinicians
Specialized infrastructure designed around the operational realities of supplying Malaysia's largest retailers.
Receivables-based, not asset-based
Assessed against money already owed to your clinic by regulated payers, rather than against property or personal assets.
Multi-panel by design
Most clinics carry several TPAs paying at different speeds. The facility is sized on the whole picture, not one payer.
One facility that revolves
Onboard once and draw as needed. No reapplying each cycle.
Shariah-compliant options throughout
Structured on Shariah principles where preferred, by the licensed partner institution.
Comparison
With and without Ministry of Capital
The same business. A different relationship with time
With Ministry of Capital
Funded in days, not months
Predictable capital, regardless of TPA timing
One flexible facility that grows with you
Underwriting built for Clinician economics
Working capital becomes a growth lever
Without Ministry of Capital
Wait 60–90 days for payment
Cash flow dictated TPA payment cycles
Juggle each TPA's payment timing separately
Generic SME lending — if you can find it
Payment terms are something you absorb
Transparent Pricing
You only pay for what you use
Our fee is paid by the financing partner, not by you.
No subscription. No fee for applying. No cost while the facility sits idle.
Pricing is usage-based and shown clearly before you commit — you'll know the exact figure on your facility before anything is signed, with Shariah-compliant structures available throughout.
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Compliance First
How this is structured
Built with security and compliance embedded at every
layer to protect sensitive financial data.
What we do, and what our partners do
Ministry of Capital assesses your clinic's receivables, structures the facility, and manages the process end to end. Financing is issued and serviced by our licensed partner institutions, which hold the regulatory permissions and the capital.
This separation is deliberate. It means we focus entirely on understanding clinic economics rather than managing a balance sheet — and you get regulated funding without dealing with a generic SME lending desk. You deal with us; the capital is regulated.
Regulatory framework
Our partner institutions are licensed and regulated by Bank Negara Malaysia and/or the Securities Commission Malaysia. Every facility is issued under those permissions, with the terms disclosed in full before anything is signed.
Shariah governance
Shariah-compliant facilities are structured by the partner institution using established frameworks and their own Shariah governance processes.
Patient information and data handling
We require only business and financial information: claim values, payer names, payment timelines, and outstanding balances. We never ask for patient-identifiable information of any kind, and ask that patient names, identification numbers and clinical details are redacted from anything you send us.
Documents uploaded in support of an application are permanently deleted 90 days after the application reaches a final status. Full details are in our Privacy Policy.
FAQ
Common questions from suppliers
Everything you need to understand about working with Ministry of Capital.
Who is this for?
What does it cost?
Are facilities Shariah-compliant?
Is Ministry of Capital a lender?
How quickly can we move?
What if my TPAs pay at different speeds?
Do I need to notify the TPA or insurer?
Do you work with newly opened clinics?
What documents do you need?
Get started
Start a conversation
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