Rise above declining reimbursements and keep the revenue cycle humming.

Declining reimbursements, coupled with patients on high deductible health plans, can stall your revenue cycle, making it difficult to meet the needs of your patients and staff. FNBO is here to help with revenue cycle management solutions designed to accelerate payments and facilitate even cash flow.

With FNBO, you have a partner in financial management, so all you have to worry about is the health of your patients.

Medical LockBox Services
Remove challenging and manual tasks from your accounts receivable process. FNBO automates the payment posting and reconciliation process end-to-end by integrating with your clearinghouse, bank, and practice management systems. The FNBO solution is customized to fit your healthcare organizations' unique structural needs and billing formats and is an innovative extension to your accounting team.

Patient Finance
FNBO’s patient finance solutions make it possible for you to meet the needs of your patients without concerns about revenue and future profitability. Designed with an easy application process, competitive rates and beneficial terms, our lending solutions offer a seamless experience for both patients and staff. Monetize your revenue and eliminate additional work for providers with patient finance solutions from FNBO.

Merchant Solutions
FNBO Merchant Services provides holistic POS and eCommerce solutions customized to do business your way, drive the customer experience and save you valuable time and money. Take any type of payment over the phone, online, or in person with a mobile device or one of our POS devices. Run your business more efficiently by tracking sales in real-time and managing orders, inventory and employees. Get the flexible, all-in-one business management system your business needs to thrive.

Lending solutions designed to make it easier for you to provide high-quality patient care.

Healthcare banking at FNBO isn’t like banking with other financial institutions. We know that it takes a strong community to deliver quality health services, and we want to play our part, ensuring you have the capital to be there for your patients today and tomorrow. As the industry continues to rapidly evolve, we partner with you to identify opportunities and the solutions to help you seize the day.

Lines of Credit
With an FNBO line of credit, the liquid or fixed assets of your business become the bridge toward financial security and growth. Take advantage of opportunities as they emerge while maintaining the highest standards of care for your patients.

Construction Finance
From doctor’s offices to hospitals, building a healthcare facility requires specialized understanding of regulatory oversight as well as the changing expectations of your patients. FNBO lending professionals are experienced in all aspects of healthcare construction finance to help you navigate the course.

Acquisition Loans
Sometimes it just makes sense to combine facilities and expertise. At FNBO, we’ll help you plot the course for your future acquisition and easily move through the financial journey.

Syndication Loans
At FNBO, we specialize in custom loan syndication services for borrowers whose credit needs require a multibank credit solution. Each loan execution is customized to support your company’s short and long-term goals. Our team of healthcare banking financing experts understand the opportunities and challenges of the healthcare industry and are steadfast to establishing the funding you need through our syndication services.

Public Finance
We believe the success of a community is built on reliable access to healthcare services. Our team of professionals will deliver experienced and knowledgeable guidance, providing you with the support and financial products you need to expand and grow.

• Tax-Exempt General Obligation Bonds
• Tax-Exempt Revenue Bonds
• Taxable Advance Refunding