Our Work

Vital Healthcare Capital (V-Cap), a not-for-profit Community Development Financial Institution (CDFI), supports quality care and good healthcare jobs for low-income communities through advantageous financing, strategic technical assistance, and strong community partnerships

Financing

Technical Assistance

Partnerships

Financing

Vital Healthcare Capital (V-Cap) provides financing for community-based healthcare serving low-income 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:

Loan Size

$250,000 - $25 million for property, facility, expansion, refinancing, or other major capital needs.

Smaller amounts may be available for pre-development loans.

Rates & Terms

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.

Technical Assistance

V-Cap also provides funding to overcome barriers to growth through development services for community health centers. This includes:

  • NMTC in-kind TA: helps organizations capture NMTC subsidy for their growth plans

  • VitalTA funding: capital aimed at early-stage barriers to expansion

TA funding supports consulting projects critical to growth, such as staff recruitment, strengthening outreach, strategic planning, and expanded patient services

Partnerships

V-Cap is a financial institution with a mission.

We partner to strengthen health access and quality, as well as support community-based providers that are vital to low-income communities. Selectively based on impact, need, and capacity, our partnership roles can include:

Leveraging Additional Funding

Support, collaboration, and structured financing to attract funding from government programs and philanthropy to our community-based partners


Highlight: V-Cap is forging new partnerships to address Medicaid enrollment challenges for communities vulnerable to disenrollment while eligible

Collaborations for Impact

Partnership with community health centers and other stakeholders to impact access, quality, and health outcomes


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

Development Services

Support for projects in the early stages of development, including attracting partners and resources to add value to our borrowers’ community health mission


Highlight: Selectively, we work as formal or informal partners well in advance of readiness for financing

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.