Health Capital Consultants LLC was founded on a simple conviction: capital should function like a healthy circulatory system — steady, well-measured, and matched to the genuine rhythm of the business it serves.
Based at 1807 Park 270 Drive in Saint Louis, Missouri, Health Capital Consultants LLC is an independent business funding firm led by Todd Zigrang. Our background in healthcare financial advisory shaped a methodology we now apply across industries: read an organization's vital signs first, then recommend treatment. That means we look past a single credit score to understand cash-flow cycles, seasonality, contract pipelines, and growth plans before we structure any funding.
The result is capital that fits. Rather than pushing every applicant toward the same product, we diagnose the situation and right-size the solution — whether that's a working capital loan to smooth a seasonal dip, equipment financing to preserve cash for growth, or expansion capital to open a second location. Our clients range from St. Louis manufacturers and contractors to multi-state service firms, and they return to us because the process is transparent, the terms are plain, and the funding genuinely supports long-term health.
The name is deliberate. In medicine, you don't prescribe before you diagnose — and you measure success by the durable wellbeing of the patient, not a single reading. We carry that philosophy into finance. Capital is a vital sign: too little and an enterprise starves; too much, poorly structured, and it overextends. Our job is to keep that signal strong and stable, funding ambition without compromising stability.
Every engagement begins with a conversation, not an application funnel. We learn how your revenue moves through the year, where the timing gaps fall, and what growth would actually require. From there we map the options — working capital loans, revenue-based financing, equipment financing, bridge financing, business funding, and expansion capital — and explain the trade-offs of each in plain language. You will always understand the structure, the schedule, and the cost before anything is finalized. Consent to communications is never a condition of receiving funding.
We underwrite the whole operation, not a single number, so the funding matches reality.
Clear terms, plain language, and no surprises — clarity is how we show respect.
Funding scaled to genuine capacity, designed to strengthen rather than strain.
We measure success by the durable health of the businesses we help fund.
Missouri businesses operate in a real economy with real cycles — manufacturing runs, construction seasons, healthcare reimbursement timelines, and service contracts that don't always line up with payroll. We understand that landscape because we live in it. Our team is reachable, our process is human, and our recommendations are grounded in the specifics of your operation rather than a national template.
Whether you're stabilizing cash flow, acquiring equipment, bridging a timing gap, or expanding capacity, Health Capital Consultants LLC is built to help you do it on terms that keep your business healthy for the long run.
Share a few details about your business and the capital you need. We'll respond with a clear, right-sized path forward.
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Health Capital Consultants