Specialty Niche / Non-Emergency Medical Transport
Medicaid pays eventually. Your drivers get paid Friday.
Working capital for NEMT operators bridging payer reimbursement lag.
The cash flow problem we solve
- Payer reimbursements lag 45 to 90 days
- Vehicle uptime is revenue: repairs cannot wait
- Contract growth means fleet growth first
How Mile Hi handles it
- Underwriting that understands payer lag
- Fleet-friendly programs
- Renewals as contracts expand
Common uses of funds
Straight answers
Does checking my options affect my credit?
No. Pre-qualification uses the information you provide. The credit application itself is a single-page soft-pull authorization, which does not impact your score the way a hard inquiry does.
How fast can funds arrive?
Qualified files with 90 days of bank statements can receive a decision in as little as 4 to 8 business hours, and funding is possible as fast as the same day.
Is collateral required?
Most working capital programs are unsecured and underwritten on business bank activity, not hard collateral.
What do you look at?
Time in business, monthly deposit volume, average balances, and existing obligations. Strong bank statements matter more than perfect credit.
See What You Qualify For
60 seconds. No hard credit pull. Answers in as little as 4 to 8 business hours.