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CNH Finance
CNH Finance operates as a specialty finance arm of eCapital (formerly CNH Finance), a firm founded over two decades ago focused on healthcare receivables...
CNH Finance
CNH Finance operates as a specialty finance arm of eCapital (formerly CNH Finance), a firm founded over two decades ago focused on healthcare receivables financing. The website positions the entity as a lender to skilled nursing facilities, hospitals, home health agencies, hospice providers, and behavioral health clinics—sectors where Medicare and Medicaid reimbursement delays create persistent working capital gaps. The firm's core products include healthcare A/R financing and asset-based lending. Case studies on the website describe a $25M ABL facility for a multi-location skilled nursing operator undergoing a change of ownership (CHOW) and a $3M credit facility for a home health agency. Another example features a $10M ABL facility for a regional hospice network pursuing acquisitions. The firm claims expertise in HUD-lender relationships and CHOW transitions, with transactions spanning the United States. The firm does not disclose AUM, team size, or named principals on its website. The website references "nearly two decades" of industry experience. The same site serves eCapital's broader product line, which includes freight factoring, payroll funding, and inventory financing across industries such as staffing and transportation. A structural differentiator is the firm's concentration on healthcare-specific cash-flow lending, a niche less served by traditional banks. Its underwriting model centers on government and insurance reimbursement cycles, not borrower credit ratings alone. This focus, combined with a direct-lending model and a track record of CHOW financing, positions the firm as a specialized liquidity provider to a capital-constrained segment of the healthcare industry.
General information
Firm type
Asset Manager
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
United States
Corporate office
United States
Sector focus
Frequently asked questions
Who runs investment decisions at CNH Finance?
The firm's website does not name specific principals or investment committee members. Leadership is listed under eCapital's corporate structure but not publicly identified for the CNH Finance brand. Available sources describe the team as having "nearly two decades" of healthcare finance experience.
Does CNH Finance participate in fund commitments or only direct deals?
CNH Finance originates direct loans and credit facilities, not fund-of-funds or commingled vehicles. The website describes asset-based lending and A/R financing as bilateral transactions with individual healthcare providers. No evidence of fund commitments to external GPs was found.
What investment stages does CNH Finance typically target?
The firm targets operational-stage healthcare providers—skilled nursing facilities, hospitals, home health agencies, and clinics. Stage-specific use cases include change-of-ownership transitions, facility expansions, acquisitions, and working capital for reimbursement delays. Pre-revenue or early-stage companies are not mentioned.
Which sectors does CNH Finance explicitly avoid?
The firm's website does not list excluded sectors, but its product focus is almost entirely on healthcare providers. The eCapital brand also serves staffing, consumer goods, and transportation industries through other product lines. CNH Finance appears dedicated to healthcare only.
How is CNH Finance related to eCapital?
CNH Finance operates under eCapital Corp., a larger alternative finance platform. The eCapital website lists CNH Finance as a brand alongside others offering factoring and supply-chain finance. CNH Finance's domain (cnhfinance.com) redirects to eCapital's site, suggesting the brand has been absorbed into the parent.
Does CNH Finance maintain philanthropic structures, and how are they separated?
No philanthropic structure is disclosed for CNH Finance or its parent eCapital on publicly available materials. The firm's website focuses exclusively on commercial lending operations.
What is CNH Finance's known posture on co-investments alongside external GPs?
CNH Finance positions itself as a direct lender, not a co-investor. Its transactions are bilateral senior secured facilities. No evidence of co-investment partnerships with private equity firms or other institutional investors was found.
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