Our Work
Vital Healthcare Capital (V-Cap), a not-for-profit Community Development Financial Institution (CDFI), supports quality care and good healthcare jobs in low-income and historically disadvantaged communities through financing, partnership and advocacy.
Financing
Partnership &
Technical Assistance
Advocacy
Financing
Vital Healthcare Capital (V-Cap) provides financing for community-based healthcare serving low-income or historically disadvantaged communities, including:
Community health centers
Behavioral health providers
Providers of integrated or specialty care
Other projects substantially impacting community health
In conjunction with our lending partner, Self-Help Credit Union, V-Cap provides financing as follows:
Rates & Terms
Loan Size
All financings are structured to meet the needs of community-based healthcare organizations. Rates and terms are competitive or better. We individualize terms based on project details, timing, and structure
$250,000 - $25 million for property, facility, expansion, refinancing, or other major capital needs.
Smaller amounts may be available for pre-development loans
Special Programs
Special programs are selective based on program and impact criteria, and availability of limited funds for these programs
Strengthening Care Colorado
Low-interest loans or other special terms for high impact Colorado community-based healthcare project, learn more about the program
USDA Loans
For qualifying projects, the private construction and USDA-guaranteed private loan participation often needed for a rural health provider to benefit from advantageous USDA financing
Long-Term Fixed
Locks in fixed rates for up to 30 years, providing bond-like financing without some of the transaction costs and requirements of typical bond facilities
This program is offered through our partnership with Self-Help
Partnership
V-Cap is a financial institution with a mission.
We partner to strengthen health access and equity, and the community-based providers that are vital to low-income and historically disadvantaged communities. Selectively based on impact, need and capacity, our partnership roles can include:
Leveraging Additional Funding
Support, collaboration, and structuring financing to attract funding from government programs and philanthropy to our community-based partners.
Highlight:
Healthy Share North Carolina and Credits for Colorado are two recent V-Cap Initiatives aimed at channeling public subsidy through the New Markets Tax Credits Program to high impact community health projects
Collaborations For Impact
Partnership with community health stakeholders to impact equity, access, quality, and health outcomes
Highlight:
V-Cap is forging new partnerships to address Medicaid enrollment challenges for communities vulnerable to disenrollment while eligible
Development Services
Support for projects in the early stages of development, including support in attracting partners and resources, to add value to our borrowers’ community health mission
Selectively, we work as formal or informal partners well in advance of readiness for financing
Advocacy
The courageous work of advocates and organizers pushing for quality care, health equity, and good healthcare jobs are critical to progress, and inspire our work. We seek opportunities where V-Cap’s distinctive voice and expertise can strengthen advocacy for:
Access to affordable
health coverage
Health equity &
culturally responsive care
Behavioral health parity and integration
Funding for quality,
community-based care
Job quality for the
frontline workforce
Contact Us About Your Investment Needs
We encourage you to speak with V-Cap early in your planning process to increase our ability to provide the most advantageous terms and structure, and to help you leverage other funding opportunities. Discussing potential projects now may help make attractive funding opportunities available when your project is ready.