Lumavent Financial offers cashflow advances on your HCBS claims — so you can make payroll, hire staff, and grow your agency without waiting on Medicaid reimbursement cycles.
Available exclusively to agencies using Lumavent · No credit check required · Funds in as little as 24 hours
Because your claims are already in Lumavent, there's no manual paperwork, no long applications, and no guesswork.
Your team documents services and submits HCBS claims through Lumavent, just like always.
Choose which approved, submitted claims you'd like to advance against. We can see the data — approval is fast.
Receive a percentage of your claim value directly to your agency's bank account, typically within one business day.
When the remittance arrives from Medicaid, repayment is handled automatically. Nothing to track — nothing to forget.
HCBS agencies often provide services for 30–90 days before seeing a dollar of reimbursement. Lumavent Financial bridges that gap.
Your staff worked. They need to get paid — regardless of where your Medicaid remittance is in the cycle. Advances keep you on time, every pay period.
Cashflow constraints force agencies to turn away individuals who need services. With advances, you can accept new consumers and grow with confidence.
Banks don't understand HCBS receivables. Lumavent Financial does — because we can see your claims, your billing history, and your payer mix directly.
Census drops, rate delays, and authorization gaps create cash crunches. Advances give you a buffer so staffing and operations don't have to absorb the hit.
Advances are tied to claims you've already submitted and documented. You're not taking on speculative debt — you're simply getting paid sooner.
Because Lumavent Financial lives inside the same system as your claims, approvals are based on data we already have — not a stack of documents you need to find and send.
Lumavent Financial isn't a generic fintech product bolted on. It's designed around how HCBS Medicaid billing actually works.
Draw against submitted HCBS claims with known payer, service type, and authorization — so advance amounts are accurate and decisions are fast.
When Medicaid remits payment, repayment is reconciled automatically — no manual wire transfers or tracking required on your end.
See your outstanding advances, pending repayments, and available advance capacity in one place — fully integrated inside Lumavent.
Because advances are based on claims already in Lumavent, only clean, properly documented claims are eligible — protecting both you and us.
No hidden costs, no variable rate surprises. A flat, straightforward fee per advance — so you always know exactly what the cashflow is worth to you.
Questions about an advance, a denial, or a repayment? Our team understands HCBS billing — not just finance.
Lumavent Financial uses straightforward, flat-fee pricing. You'll see the exact cost before confirming any advance — no surprises when Medicaid pays.
Because advances are backed by claims already in Lumavent's system, your claim history and billing quality may qualify your agency for better rates over time.
Illustrative example — actual rates disclosed at time of advance
Lumavent Financial is the lending partner for agencies using Lumavent's platform. We built this product because we watched HCBS providers struggle with the one problem great software can't solve alone: Medicaid is slow to pay, and agencies can't wait.
By working directly with Lumavent's claims data, we can move faster, more accurately, and with less risk than any traditional lender — and pass those advantages on to you.
Typical time to funding
Of claim value advanced
Credit checks required
Automatic repayment on remittance
Tell us a little about your agency and we'll reach out to walk through eligibility, advance amounts, and next steps. Takes less than 2 minutes.
No commitment or credit check required. We'll respond within one business day.