Supporting Healthy Aging: Excel Medical Secures $5M Growth Facility via Hum Financial

Supporting Healthy Aging: Excel Medical Secures $5M Growth Facility via Hum Financial

At Hum, we structure financing solutions that evolve alongside growing businesses. Our recent partnership with Excel Medical, a nationwide telemedicine company specializing in personalized hormone replacement therapy and preventative care, demonstrates how flexible capital structures can help companies continue investing in growth while maintaining financial flexibility.

Financing Designed for Sustainable Growth

As Excel Medical continued to expand its member base, the company sought a financing solution that would provide long-term access to growth capital while aligning with the economics of its customer cohorts.

Traditional financing options often require repayment schedules that begin before companies have fully realized the value of customer investments. Excel Medical needed a structure that would allow it to continue deploying capital even after individual customer cohorts had matured.

A Capital Structure That Grows with the Business

Through Hum Financial, Excel Medical secured a $5 million growth facility with a 2+ year tenor designed to support long-term growth.

The cohort-based financing structure enables Excel Medical to:

• Invest in customer acquisition and growth initiatives
• Continue leveraging capital beyond individual cohort payback periods
• Align financing with long-term revenue generation
• Preserve financial flexibility while scaling the business

By structuring capital around the company’s recurring revenue model, Hum delivered a solution that ensures Excel Medical has access to capital when it’s needed most. This creates a foundation for the business’ continued growth while maintaining operational flexibility.

About Excel Medical

Excel Medical, parent company of Male Excel, Fem Excel, and Excel Medical Labs, is the first nationwide telemedicine hormone replacement therapy (HRT) provider in the United States. Since 2019, the company has cared for more than 100,000 members through its in-house network of U.S.-based physicians and medical providers. Each provider receives specialized training in HRT and hormone optimization through The Excel Advantage, the company’s proprietary clinical education program. Supported by this provider network, in-house laboratory services, and personalized, continuous care, Excel Medical is helping redefine preventive healthcare by focusing on improving quality of life and long-term health.