Amazing Financial Tools to Increase Healthcare Profitability “No Risk” Accounts Receivable Financial Solutions

As Individuals & Families face the challenges of healthcare costs......

Providers Face Financial Challenges Due to..... Escalating Costs Unpredictable Financial Markets Accounts Receivable Delays Internal Waste Overhead Treatment of the Uninsured Inefficient Government Bureaucracy Increased Insurance Profits from A/R Delays Costs of Borrowed Capital And the list Continues.....

While Government & Media Focus On The Uninsured… Providers Face Immense Fiscal Challenges. Public Apathy And Government Agendas Aren’t Focusing On Providers Needs For a Solution...

Because Money Doesn't Come With Instructions..... 1st Choice Funding Provides Innovative Financial Solutions to Resolve the Fiscal Challenges Facing Healthcare Providers Today....

Patient Services vs. Provider Needs The Facts Are Clear: While healthcare providers ensure timely patient care, the same providers wait at best weeks, and in most instances months for earned A/R collections. And providers whose services are medical lien secured find A/R delays years in collection with still collection risks. Worse yet is the problem of the ever growing uninsured U.S. population. For these, providers assume costly and unpredictable A/R collection expense. Guaranteed expense with charge off's to bad debt are an ever present reality. Simply chasing bad money with good Thus the financial health of healthcare is painfully obvious. A/R delays and bad debt affect providers across every sector of the industry. The facts remain that as providers are forced to carry immense financial burdens from pending, uncollected and bad debt A/R, the financial integrity of healthcare is jeopardized under the current system. As a healthcare provider it's time for a change would you not agree?....

What 1st Choice Funding Provides 1st Choice Funding agrees with you. In order to tackle the ominous challenges facing healthcare providers, innovative services that guarantee effective results are what’s needed to resolve the fiscal challenges healthcare providers face. And that’s exactly what 1st Choice Funding provides. Long past due financial solutions to increase healthcare profitability both today...... & tomorrow.

“No Risk” Solutions Provide the Answer Understanding the challenges facing healthcare providers, 1st Choice Funding’s unique “solutions oriented” financial portfolio delivers.... “Risk Free - Debt Free” Healthcare Capital Providers who utilize our targeted financial strategies resolve the “long past due need” to meet such challenges head on, ensuring greater profitability through increased capital, cash flow and reduced overhead expense. Simply Put; Our services deliver real results...fast. Please review the following information as we present Healthcare's Innovative Financial Solutions… the “No Risk” way...

12 Effective Tools To Increase Healthcare Profitability

Cash Infusions The 1st Choice Funding Way Without incurring debt, 1st Choice delivers cash flow from untapped, often unused and sometimes unknown assets to create “Cash Infusions of Risk Free, Debt Free Capital”. 1st Choice Funding's portfolio of tools to achieve success include: Group 1 - Typical A/R 1. Accounts Receivable Lines of Credit – Up to 72% A/R Net Worth Now- No More Delays 2. Accounts Receivable Factoring – Up To 97% Over Time or No Interest 3. Accounts Receivable Portfolio Funding – The “Cash Out/No Payment” Solution Group 2 - Medical Lien A/R 4. Medical Lien Accounts Receivable Funding – Guaranteed Capital w/o Provider Risk 5. Medical Lien Procedures Funding – For Ongoing Services Lien Capital w/o Risk 6. Medical Lien Prescription Funding – Another Option for ongoing Lien Capital w/o Risk Group 3 - Bad Debt A/R 7. Accounts Receivable Bad Debt Portfolio Purchasing – Something for Nothing Group 4 - Self Pay A/R 8. Co-Pay/Deductible Software – The Web Based Guaranteed Solution 9. Co-Pay/Deductible Account Servicing – Risk Free Low Cost Expense Control 10. Uninsured Patient Servicing – Stop Chasing Bad Money With Good 11. Uninsured Patient Financing – The “Patient Friendly” Credit Solution 12. Uninsured Patient A/R Purchases – The “Mother Lode” for Self Pay

Let’s Now Explore Each Financial Solution......

Group 1 Typical A/R “No Risk” Accounts Receivable Lines of Credit “No Risk”Accounts Receivable Factoring “No Risk”Accounts Receivable Funding

“No Risk” A/R Portfolio Funding Delivers Providers Obtain Cash Infusions For A/R From; Insurance Receivables WC/Government Receivables 3rd Party Receivables “No Risk” A/R Capital Provides............. Access to Unlimited Investor Resources Provides a “No-Debt” Source for Capital Boosts Liquidity by Better Utilization of Assets Provides Seamless Implementation Eliminates Fiscal Delays in A/R Eliminates Financial Risk Reduces Overhead Expense Provides Significant Increases in Profit Margins

Three “No Risk” A/R Funding Options Option 1. “No Risk” A/R Lines of Credit Secured by a UCC-1 lien, a Line of Credit provides a cash infusion of 62-72% of the net worth of a portfolio. Without A/R delay, providers obtain cash and pay 2% in monthly interest which is deducted from incoming A/R and where the difference of the A/R is applied to the balance of the Line of Credit. With a Line of Credit new A/R can be added monthly & continue the cash revenue cycle indefinitely. Application is free underwriting fee's vary. Portfolio Minimum Size is $1,000,000.00. Option 2 a. “No Risk” A/R Portfolio Factoring “No Risk” Portfolio Factoring infuses providers whose portfolios have a minimum monthly volume of $25,000.00 with a “No Interest” option where the discount rate is the interest. The maximum amount available is 90% short term. Longer A/R collections lessen the %. Application is free, underwriting fee's vary. A/R collections up to 150 days interest free. Option 2 b. 100% “No Risk” A/R Portfolio Factoring Released in 2 phases of funding, the first 77% is issued at contract implementation. When ½ of the balance is paid from the A/R the remaining 20% is released in a 2nd phase of funding. Application is free, underwriting fee's vary. Portfolio minimum is $250,000.00 per mo. For A/R up to 150 days Option 3. “No Risk” A/R Portfolio Funding “No Risk” Portfolio Funding is for providers who seek to liquidate a portfolio in a lump sum and do so without re-payment commitment. Portfolios are purchased at a discount which depend on the portfolio's net worth. Providers use this option to capitalize on the value of money TODAY vs. TOMORROW! Minimum portfolio size is $50,000.00 monthly. Application is free, underwriting fee's vary.

Group 2 Medical Lien A/R “No Risk”Medical Lien A/R Portfolio Funding “No Risk”Medical Lien Procedures Funding “No Risk”Medical Lien Prescription Funding

“No Risk” Medical Lien Funding Offers… Providers Obtain Medical Lien Cash Infusions From; Liability Insurance WC/Government 3rd Party Payers “No Risk” Medical Lien Funding Provides........... Access to Unlimited Investor Resources Provides a “No-Debt” Source for Capital Boosts Liquidity by Better Utilization of Assets Provides Seamless Implementation Eliminates A/R Delays Eliminates Fiscal Risks Reduces Overhead Expense Provides Significant Increases in Profit Margins

“No Risk” Medical Lien A/R Portfolio Funding Option 4. “No Risk” Medical Lien Funding Healthcare providers whose services are LLOP secured find “No Risk” Medical Lien Funding a welcome “financial bridge” as providers seek guaranteed payment without risk of lawsuit settlement & collection. In fact “No Risk” Lien Funding provides capital regardless of litigation success and for providers “No Risk” Funding ensures guaranteed cash infusions when services are performed risk free to the provider. Our program converts personal injury patients into a PI cash generating resource as ageing receivables convert into cash without waiting. 1st Choice Funding’s Medical Lien program delivers to providers either a “most return” or a “most cash in hand now” option as each best serves providers depending on the financial goal and agenda of the provider. The bottom line is; providers obtain a program that best suits each financial goal. With “No Risk” Lien Funding providers exponentially grow a revenue stream from lien patients because Lien Funding delivers revenue on all patients in a portfolio. (Minimum portfolio size is $250,000.00) Instead of “cherry picking” patient files, 1st Choice Funding delivers guaranteed revenue for all patients in a portfolio. Application is free, underwriting fee's vary depending on portfolio size. However we provide even more because …..

Option 4b “No Risk” Medical Lien New Patient Funding “No Risk” Medical Lien Funding is useful for more than lien portfolio purchases. With this option purchases for all new medical lien patient files provide effective long term solutions. “No Risk” Medical Lien Funding works for new lien patients differently than in a portfolio purchase. For new lien cases, a patient pre-approval process is required. The reason is it ensures providers obtain the highest return as providers treat only patients whose cases have been screened for; 1. Legitimate Legal Merit 2. Provable Liability 3. Sufficient Insurance to Cover Medical Expense While attorneys often refer medical lien patients, attorneys can loose objectivity and accept cases who lack merit, liability or sufficient coverage. While legal expenses and time are wasted on attempting to collect such cases, medical costs far out weigh legal costs, as the losses dwarf legal expense. Thus medical providers have more to loose thus as a financial partner, 1st Choice Funding works to protect healthcare providers from problematic cases. In so doing each pre-approved lien case has far more value per case than a portfolio where no pre-screening was performed. Why? It’s simple; its the law of losses a portfolio contains without a 3rd party pre-screening process higher loss ratios lessens the per case value which is obverted through our solution. Application is free, underwriting fee's per patient are only $150.00. “No Risk” Medical Lien New Patient Funding

Medical Lien Procedures & Prescription Funding Option 5. “No Risk” Medical Lien Procedures Funding Option 6. “No Risk” Medical Lien Prescription Funding For providers who receive “No Risk” Medical Lien Portfolio Funding, or who elect to add lien services to a practice, another profitable opportunity is available when a patients need for treatment is on-going and lien secured. “No Risk” Medical Lien Procedures and Prescription Funding is added to the arsenal of lien solutions as these programs offer a “financial bridge” of guaranteed capital without case settlement as healthcare services are lien secured in ongoing care. “No Risk” Medical Lien Funding offers 3 unique solutions for providers to benefit from regardless of patients litigation outcome. Cash flow without risk is what providers are guaranteed as this program keeps providers in the business of medicine, and out of the risks associated with law. This unique program turns personal injury patients on-going and prescription needs into revenue without provider risk as well. “No Risk” Lien Procedures & Prescription Funding delivers cash infusions for ongoing procedures and prescriptions. And for providers who enroll in our program find protection as patients are pre- approved by our legal team who works to protect providers. How so? Our experts know the law, the courts and case settlement values. With such knowledge healthcare providers are protected from problematic patient cases, the ones where there’s no legitimate legal merit, no provable liability, or insufficient insurance to collect from. Thus Medical Lien Portfolio, Procedures & Prescription Funding provides a sound financial mechanism to exponentially grow and prosper from lien patients…. risk free. Application is free, implementation and underwriting fees vary. .

Group 3 A/R Bad Debt “No Risk” Bad Debt A/R Portfolio Funding

“No Risk” Bad Debt Funding Offers… Providers Obtain Cash Infusions on A/R From; Self Pay Uncollected Insured Uncollected Co-Pay/Deductible All Bad Debt “No Risk” Medical Capital Provides............. Access to Unlimited Investor Resources Provides a “No-Debt” Source of Capital Boosts Liquidity by Better Utilization of Assets Provides Seamless Implementation Creates an Asset from a Liability Provides Increased Profitability Eliminates Complete Loss From Charged Off Accounts

“No Risk” Bad Debt A/R Portfolio Purchasing Option 7. “No Risk” Bad Debt A/R Portfolio Purchases With this amazing option “No Risk” Bad Debt Funding creates an asset from liabilities previously written off as bad debt. Uninsured “self-pay” accounts receivable are the number one contributor to healthcare bad debt as tough patient collections are often deemed “uncollectable”. “No Risk” Bad Debt Funding provides value by monetizing all bad debt receivables without recourse to the provider. By purchasing all bad debt receivables from 1 month to Out-of-Statute debts years old, bad debt account receivables funding improves the bottom line with an untapped, unrealized, and uncollected asset. “No Risk” Bad Debt Funding generates cash flow where only balance sheet liability and proof of wasted assets once were. Application is free underwriting fees vary depending on the size of the portfolio.

Group 4 Self Pay “No Risk” Co-Pay/Deductible Software “No Risk” Co-Pay/Deductible Servicing

“No Risk” Co-Pay/Deductible Solutions Offer Providers Obtain Cash Infusions of Accounts Receivable From; Patient Co-Pay Accounts Receivable Patient Deductible Accounts Receivable “No Risk” Capital Provides............. A “No-Debt” Source for Cash Infusions Boosts Liquidity by Better Utilization of Assets Provides Seamless Implementation Eliminates A/R Delays Eliminates Financial Risks on Collections Reduces Overhead Expense in Collections Provides Significant Increases in Profits Delivers Guaranteed Returns on Collection

Co-Pay/Patient Deductible Software Solution Option 8. “No Risk” Co-Pay/Deductible Software “No Risk” Co-Pay/Deductible Software is a web based solution that contains all insurance provider's and their up-to-date policies across the U.S. With this system a patients information is available with just a swipe of the patients insurance card where the system delivers instant patient responsibility information ensuring providers know what to collect before services are performed. With this system a second swipe of the patients credit/debit card reserves the amount estimated on the EOB until confirmation affirms the patients co/pay portion. Upon receipt of the EOB confirmation (usually in days), the system finishes the transaction by processing the CC and depositing the reserved monies into the providers account seamlessly, automatically. Much like a hotel who reserves funds on a CC upon check-in and then completes the transaction at check-out, this solution eliminates co-pay/deductible billing, accounting, and bad debt losses, while it delivers nearly 100% guaranteed collections. Implementation and subscription fees begin for 1-3 providers on a 3 year lease for $600.00 a mo. Application is free, implementation fees vary and can be included in the mo. lease

Co-Pay/Deductible Account Servicing Option 9. “No Risk” Co-Pay/Deductible Servicing Solution Our “No Risk” Co-Pay/Deductible Servicing option is for providers who elect an alternative to a monthly lease. This program delivers a guaranteed 91% return from all collected patient receivables. But it does more as it increases profitability by guaranteed returns from collections and adds savings achieved through reduced accounting and collection expense for patients enrolled in the program. What's more patient servicing generates interest on A/R balances for providers who utilize our patient responsibility forms. The bottom line is; with this option providers actually earn over a 100% return on A/R collections when combining a 91% return plus earned interest and reduced internal costs. Patient Servicing can be used for existing patients who execute our agreement. New patients simply execute our contract at admission. Providers who utilize this system have 100% patient servicing acceptance. The enrollment fee per account is only 5% of the A/R balance with a cap of $125.00. For accounts enrolled who are uncollected, there's no cost to transition these files to bad debt purchasing which delivers an ability to recover all or a portion of the enrollment fees. With Co-Pay/Deductible Account Servicing, 1st Choice Funding provides methods to increased profitability! But there's even more as this program offers......

Group 4 “No Risk” Self Pay Patient A/R Servicing, Financing & Provider Funding

“No Risk” Uninsured Patient A/R Servicing Option 10 – “No Risk” Servicing Self for Pay A/R Our “No Risk” Uninsured Self Pay A/R Servicing is much like Co-Pay Servicing, an amazing financial solution that delivers guaranteed returns of 91% of A/R collections. As incredible as guaranteed 91% returns are, this program delivers interest on patient balances when providers utilize our patient responsibility forms to legally establish a providers right to earn interest on unpaid A/R. Added to the mix is the savings obtained from internal collection expense providers are relieved of. Plus “No Risk” Self Pay Patient Servicing provides 100% enrollment acceptance when patients execute the Patient Agreement form. All Self Pay A/R benefits are available for a low per patient enrollment fee of just 5% of the A/R balance with a $125.00 cap per account. This fee delivers all the above benefits and includes for accounts uncollected, a no cost bad debt portfolio enrollment fee waiver which allows providers the ability to recover a portion or all of the enrollment fees. But there's more......

“No Risk” Uninsured Patient A/R Financing Option 11a Patient Financing With Acceptable Credit With an amazing A/R Self Pay program, patients with credit are financed through our “No Risk” Patient Pay Financing. With credit scores as low 630, patients obtain financing while providers obtain cash infusions from self pay patients who are financed. This patient friendly program includes payment history reporting to all credit bureaus which provides patients a great tool to improve credit. Financing determinations are not made by an arbitrary computer system, instead our program offers people who know the financial crisis of the last year and who look to see the real picture of the patient's credit, making human decisions based on intelligence not computer scoring. To qualify for financing patient’s criteria includes; 1. Patient must have income and a down payment (to be determined upon approval) 2. Financing for 36 months 3. A/R balance max $6500.00 after down payment is applied 4. Patient must have a checking account & working phone 5. Patient must execute financing contract 6. Patient must have credit with more than one account on record Patient's enrolled in Co/Pay Servicing are automatically enrolled in this program too. For patients whose credit disqualifies them, 1st Choice Funding provides another option.......

“No Risk” Self Pay A/R Financing Option 11b Self Pay Patient Financing Without Credit Impossible in today's financial market to offer financing to credit damaged patients right? “No Risk” Patient Financing delivers a “found no where else” solution as it offers after just 12 on time payments, and minimum qualifying criteria, a patient credit building tool with financing no matter the credit score! That’s right, through “No Risk” Uninsured Patient Financing, just 12 consecutive payments establishes credit that’s reported to all credit bureaus. This program provides a “patient friendly” way to build or re-build credit. Compared to traditional medical collections which lower a patients credit score, our financing reinforces positive patient relations as timely payments build credit. What a great incentive for patients to pay their account wouldn’t you agree? Patient Financing Criteria Includes; 1. Income from any source 2. Financing up to 36 months 3. A/R balance less than $8,000.00 4. Patient has a checking account & working phone 5. Patient executes financing agreement 6. Patient has no open bankruptcy 7. Patient has no significant credit changes and has 12 months timely payment history Patients who don't qualify for financing receive the credit building reporting tool and 100% patient acceptance for servicing. Once the minimum criteria is met the option to obtain financing becomes available!

Option 12 Provider Cash Infusions From Self Pay Financing Patient Financing, Servicing and Provider “Cash Infusion” Funding - A “Win-Win” For All! A. Patients who meets the credit criteria are financed with: 1. Income from any source 2. Financing up to 36 months 3. Balances up to $6,500.00 4. Patient must have a checking account & working phone 5. Patient must execute financing contract 6. Down payment is required 7. Minimum fico score 630 For each patients whose A/R is financed, providers obtain a guaranteed 77% of the A/R in a cash infusion upon patients execution of the financing agreement. (paid in a 30 day cycle) B. Patients who don’t qualify for financing and who establish 12 on-time payments receive financing under these terms: 1. Patient has income from any source 2. Financing up to 36 months 3. A/R balance less than $8,000.00 4. Patient has a checking account & working phone 5. Patient executes financing agreement 6. Patient has no open bankruptcy 7. Patient has no significant credit changes & establishes 12 mo. payment history For each “non credit” patient whose A/R balance is financed, providers are guaranteed a 67% cash infusion of the contract amount when patients execute the financing agreement! (paid in a 30 day cycle) Patients who don't qualify for financing deliver a 91% collection return, plus interest, and collection expense savings! “No Risk” Self Pay A/R Provider Funding

Option 12 Provider Benefits Patient Financing & Servicing - Provider “Cash Infusions” a “Win-Win” For All! “No Risk” Provider Funding enables healthcare providers to; Stop Writing Off As Bad Debt Untapped Assets Stop Absorbing Collection Expense For Self Pay A/R Stop Financing Self Pay A/R Patients In House Interest Free Stop The Financial Drain Unpaid Patient Accounts Create Stop Absorbing Losses For Patients Who Default in Bankruptcy With “No Risk” Self Pay Provider Funding, providers can generate incredible sums as “cash infusions” from patient A/R financing. In addition, regardless of what happens to a patient after an account is purchased, providers are protected with our “No Risk” guarantee. If a patient defaults on the purchased account it’s purchased non recourse to the provider. Providers are 100% protected from account default! That's right, providers whose patients default after an account is purchased are protected from bankruptcy and uncollectible accounts after the account is purchased. Simply stated; providers have no future liability on any Self Pay A/R purchased!* (*The exception is contracts where patients cancel future services. The provider being paid the full balance simply replaces with equal value the patient A/R, or refunds the balance. This applies only to future services where contracts are paid in full. i.e. chiro, elective services, etc.) The Bottom Line;....Only “No Risk” Provider Funding delivers this kind of an asset from self pay A/R! And Only 1st Choice Funding can convert problematic A/R into cash infusion A/R! “No Risk” Self Pay A/R - Provider Funding Benefits

“No Risk” Self Pay Solutions Offer… Self Pay A/R Funding Delivers to Providers Cash Infusions From; Credit Worthy Patients Financed Non Credit Worthy Patients Who Establish Credit Savings From Collection Expense Access to Unlimited Investor Capital A “No-Debt” Source for Capital Boosts Liquidity by Better Utilization of Assets Provides Seamless Implementation Delivers Guaranteed Returns on Self-Pay Collections Reduces Self-Pay Fiscal Risks Reduces Overhead Provides Protection From Delinquent Self Pay A/R Provides Significant Increases in Profit Margins

Are You Ready To Utilize Our Service? The 1st Step is to Download Our Exclusive Representation Agreement; By Clicking Here: http://1stchoicefunding.com/Healthcare-Provider-Representation-Agreement.pdf Execute the Agreement and Return by Fax to 949.272.2382 or by email to; information.services@ Upon Receipt We'll Contact You Promptly to Begin Your A/R Funding Request

For Questions Please Email: information.services@1stchoicefunding.com or call Toll Free 800-839-0939 Ext 623