Patient Financing
Every patient financing file affordability-checked in minutes, with terms in plain words before they sign.
Why it matters
Patients sign up for financing in a waiting room; deferred-interest terms they did not understand turn into complaints and charge-offs.
How the solution handles it
Agents check identity, match the treatment estimate to insurance coverage, test affordability on income and existing debt, explain the terms in plain words alongside the TILA disclosure, and draft any Reg B notice. A credit analyst decides every referred file.
How a patient file moves
Five agents check identity, match treatment cost to insurance, test affordability and draft disclosures; a credit analyst decides every referred file.
What it reads, and what it hands back.
What goes in
- Treatment plan and cost estimate
- Patient application and ID
- Credit report or bank cash-flow data
- Provider program agreement
- Insurance pre-authorization
What comes out
- Decision-ready file with affordability
- TILA disclosure and plain-terms summary
- Adverse action notice draft (Reg B)
- Provider funding instruction
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Reg B allows 30 days
Sources: CFPB, Medical credit cards and financing plans (May 2023) · Reg B, 12 CFR 1002.9 (30 days) · TILA / Reg Z · “Target” = design goal, measured in the live solution · “Typical” = published figure
5 specialist agents. One person decides.
More in this division.
Every practice purchase underwritten on what it collects, not what it bills, with the seller’s handoff checked.
Receivables FinancingMedical receivables valued at what payers actually pay, payer by payer, with denials priced in.
License VerificationEvery clinician behind a loan checked against license boards and exclusion lists, at funding and every month after.
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