Have Questions?

Most patient finance lenders focus on approving patients in the “prime” credit category, which is traditionally above a 660 credit score. This means that sub-prime or no credit patients are denied and left with no affordable options for treatment.

We’re a fintech platform that brings patients, providers and capital partners together and facilitates mutually beneficial finance offerings for nearly every patient. Applicants will be declined financing with any program due to Open Bankruptcy or Terrorist Watch List. No more sunk costs with declined-for-financing patients.

Yes. We offer Cash Up Front solutions, disbursing the funded amount upon patients’ acceptance of their payment plan. The funded amount is subject to the associated discount rate.

You will only have credit risk if you choose our Cash Over Time (we pay you as we collect) solution. The benefit of this offering is that all interest collected by HFD is your income. Maintain all of the control without any of the pain of servicing the payment plan.

Patients also benefit from our servicing features such as auto-debit, payment reminders, and their own payment portal. 

No, HFD is not a lender. HFD is a technology platform that allows providers to originate retail installment contracts between themselves and the consumer. HFD then assists in the sale of those contracts with its capital partners and services the payment plan until it is paid in full.

HFD partners with a wide range of healthcare providers who offer both insured and cash-pay services. This commonly includes dental practices, Invisalign and orthodontic providers, veterinary clinics, MedSpas, audiology clinics, optometric providers and other elective or specialty healthcare providers. HFD’s financing solutions are designed to support practices that offer higher-value treatment plans, cosmetic or discretionary services, and procedures not fully covered by insurance.

Offering flexible patient financing helps remove cost as a barrier to care for your patients, which can significantly increase case acceptance for higher-value treatment plans. When patients can break costs into manageable monthly payments, they are more likely to move forward with recommended care and complete treatment as planned. Practices offering financing often see improved acceptance for a variety of medical, dental and other healthcare procedures. 

Healthcare financing is used by a wide range of patients, not just those with limited credit. Many patients who qualify for traditional credit still choose financing to preserve cash flow, manage large out-of-pocket expenses, or avoid using high-interest credit cards. Financing appeals to patients seeking flexibility, predictability, and a clear monthly payment for healthcare expenses not fully covered by insurance.

Once a patient is approved and treatment is confirmed, providers are typically funded within 2-3 business days. This allows practices to maintain steady cash flow without waiting for patient payments over time. By using healthcare financing, providers can eliminate the administrative burden and financial risk associated with in-house payment plans.

Yes. Healthcare financing is especially effective for elective, cosmetic, and cash-pay procedures that are not fully covered by insurance. This includes Invisalign and cosmetic dentistry, orthodontic treatment, MedSpa services, and many veterinary procedures. Financing gives patients an affordable way to move forward with care they want or need, even when insurance coverage is limited or unavailable.

HFD supports providers with tools, resources, and guidance to make financing conversations simple and natural. This includes staff training, patient-friendly materials, and proven ways to introduce financing without pressure or sales tactics. The goal is to help patients understand their options clearly while allowing providers to focus on care, not collections.