Catalytic capital for healthcare in low-income communities

Health care is rapidly changing, creating both challenges and opportunities for healthcare providers serving those most in need.

V-Cap invests in borrowers demonstrating a positive impact on healthcare delivery and healthcare jobs in low income communities.  Loan rates and terms depend on project details and are structured around the unique regulatory and market conditions community-based healthcare providers face when seeking capital from traditional lenders.


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 prospective borrowers must have sound organizational and financial management and a sustainable business model.   All loans must meet Vital Healthcare Capital’s due diligence and underwriting standards and be approved by its Loan Committee.

Eligible borrowers include but are not limited to:

  • 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

Development Services

In addition to providing financing, V-Cap assists prospective borrowers with supplemental services that help borrowers to improve health and jobs in low-income communities.

Programs & Investments

Visit the links below for more information about V-Cap’s lending programs and profiled investments.

General Lending

Strengthening Primary Care In Colorado

Commonwealth Care Alliance Loan

VIP Community Services Loan


Mountain Family Health Centers Loan