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But with working capital solutions, you can get the cash you need quickly and easily.We offer working capital loans, merchant cash advances and flexible business loans to SMEs in various business sectors, including manufacturing, construction, mining, transportation and healthcare. When You Need It It's no secret that slow sales months can present financial challenges to any business.HICAPS stands for Health Industry Claims and Payments Service.Formed in 1998, HICAPS is Australia′s leading ancillary health claims billing solution for healthcare providers.HICAPS provides an efficient and easy payment processing solution for health fund, Medicare and Work Safe Victoria payments across Australia.It is an electronic health claims system that allows members of ACA Health Benefits Fund to claim automatically on the spot at their health service provider.Our team knows that in today's economy, many small and medium size enterprises (SMEs) are finding it difficult to find solutions for their cash flow needs.

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HICAPS, an integral part of National Australia Banks specialised business NAB Health, draws together HICAPS, Medfin health finance specialists and a team of NAB specialised business bankers dedicated to deliver better financial solutions on a deeper understanding of the trends and complexities of the health industry.By using HICAPS you will save time, as you will no longer have to lodge your claim via the post.

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