We invest in care that works for communities in need.

Vital Healthcare Capital (V-Cap) provides flexible financing to support quality healthcare and good healthcare jobs in low-income communities.

V-Cap provides loans to providers of health services, including:

  • Community Health Centers
  • Behavioral Health Providers
  • Long term services and supports organizations
  • Specialty providers for medically complex populations
  • Services for people with disabilities
  • Provider consortia
  • Other provider types that fulfill V-Cap’s mission

Click on the headers below to learn more about V-Cap.


V-Cap is a national nonprofit [501(c)3] financial organization, certified as a Community Development Financial Institution (CDFI) by the CDFI Fund of the U.S. Treasury Department.


V-Cap seeks projects across the continuum of care, emphasizing integrated, person-centered, and cost effective models of care.  V-Cap prioritizes projects that enable at-risk populations to live healthier lives, and contribute to the community’s economic health by valuing frontline healthcare workers.


V-Cap loans typically are from $500,000 to $5,000,000 for:

  • Business Loans – for working capital, including for expansion, revenue cycle, or new programs; and infrastructure and equipment.
  • Facilities Loans – for the acquisition, construction, renovation, or initial start-up costs for facilities across the health continuum of care in low-income communities.
  • Bridge Loans – to enable borrowers to move projects and programs forward with a clear source of take-out financing.

All borrowers must demonstrate sound organizational and financial management and a sustainable business model.  All loans must meet V-Cap’s due diligence and underwriting standards, and be approved by V-Cap’s Loan Committee.


V-Cap prioritizes integrated and person-centered care that improves health outcomes for individuals, the health status of communities, and the cost effectiveness of the delivery system.

V-Cap looks in invest in improved care for vulnerable populations, such as frail seniors, at-risk youth, people with serious and persistent mental health and substance use disorders, people with disabilities, and adults with medical complexity such as multiple chronic diseases.


V-Cap prioritizes investments that expand employment in high-needs communities, and improve job quality for frontline caregivers. These roles are often closest to the health consumer and critical to making healthcare more person-centered. These jobs are also essential pathways to careers in communities that may otherwise lack opportunities for economic development.