Make care affordable —
with Patient Friendly Financing:
0% APR financing with no credit checks ensures every patient qualifies and has a realistic way to resolve medical balances. ClearBalance uses affordability matching to help patients choose payment plans they can sustain while protecting the patient relationship.
$4B+
Total patient financing funded
~90¢
Collected per $1 enrolled in a plan
0%
APR on all patient financing plans
30+ years
Of repayment data powering AI matching
Why It Works
It isn’t that patients won’t pay.
The affordable option never reaches them.
Medical debt is often an affordability problem before it is a willingness problem. When patients see a realistic plan, they have a clearer path to act. Patient Financing creates that pathway.
No applications. No credit checks. No barriers.
0% interest up to 72 months removes the biggest psychological barrier to enrollment
No credit check means every patient qualifies regardless of past financial hardships
Affordability matching helps patients choose a plan they can realistically sustain
~90¢ collected per dollar enrolled in a plan
Accessible, affordable options help prevent revenue leakage while ensuring cost isn't a barrier to care.
Patient Financing Portal
Your Balance: $2,400.00
Select the plan that fits your budget. All plans are 0% interest.
$400/mo
6 mo
Short-term
$200/mo
12 mo
Balanced
$100/mo
24 mo
Recommended
$67/mo
36 mo
Extended
No credit check · 0% APR · Cancel anytime
Platform Capabilities
Everything that makes patient financing work
Built on 30+ years of healthcare financing experience, with financing proof points specific to affordability, enrollment, repayment, and patient trust.
0% APR Patient Financing
No credit checks and no applications. Patients get affordable monthly plans, and your organization keeps the balance on a more realistic path to resolution.
AI-Powered Affordability Intelligence
Powered by AI and informed by 30+ years of repayment behavior, ClearBalance matches patients with financing plans they are more likely to sustain, helping maximize successful repayment, not just enrollment.
All Major EHRs and Revenue Cycle Workflows
Patients can encounter financing options inside familiar portal workflows, reducing friction and supporting self-service enrollment.
Flexible Terms (Up to 72 Months)
Payment terms structured around patient financial reality — not arbitrary billing cycles. Longer terms mean more patients can say yes.
Patient Satisfaction Focus
Affordable options reduce financial stress and help preserve trust between patients and the organizations that care for them.
Epic Integration
Embedded where Epic teams want it
Epic integration is an important path for organizations that want financing embedded in familiar workflows. For non-Epic environments, ClearBalance can also deploy through a stand-alone turnkey path.
MyChart-connected patient self-service experiences
Eligibility and plan enrollment support inside Epic workflows
Automated account updates and reconciliation support
Integrates with Epic MyChart and Hyperdrive to simplify patient billing
HelloWorld integration includes the ability to add a link for texting and SSO integration with Emmie
The Outcome
Better for patients
Better for your bottom line
When patients have a payment path they can actually follow, everyone wins. They avoid collections, maintain their care relationship, and pay. Your organization recovers revenue that would otherwise be written off.
$4B+
Financing funded since 1992
~90¢
Recovered per $1 enrolled
0%
Interest on all plans
6–72
Month flexible terms
ClearEngage
ClearEngage: Post-Day-60 Patient Recapture
It isn’t that patients won’t pay. The affordable option never reached them.
We don’t send another reminder.
We change the offer.
Your billing platform and engagement tools manage the first 60 days. ClearEngage monetizes the accounts their static offers leave behind. It is an extension of your workflow, not a replacement for it.
ClearEngage
The Engine Behind the Offer
The Intelligent Payment Calculator
AI-driven payment intelligence, trained on 30+ years of patient payment behavior.
30+ years of payment data
Real repayment behavior across millions of patient accounts
AI-driven analysis
Each account analyzed for what that patient can actually pay
Best option, presented first
The plan most likely to be accepted and completed.
The Financial Proposition
Up to 30%
of accounts already headed toward bad debt, recovered.
Measured on the post-day-60 self-pay and Self-Pay After Insurance population.
Bad debt expense reduced as aged accounts convert instead of writing off
At-risk balances become performing payment plans patients complete
Earlier, more predictable cash from a population producing none today
No added internal workload, no new headcount
Your current workflow ends around day 60. ClearEngage captures the revenue after that point.
Payment Plans
Stop being your patients' bank
Most health systems are carrying millions of dollars of in-house payment plans. It is high touch, low yield receivables: small monthly payments stretched over years, tying up working capital, inflating AR days, and consuming staff time on posting, reconciliation, broken plan follow-up, and inbound calls.
ClearBalance funds your existing payment plan portfolio and assumes the servicing.
Immediate cash infusion
We fund the outstanding balances up front, converting years of trickle payments into working capital now.
Patients keep the same deal
Plans convert to 0% APR ClearBalance accounts with the same monthly payment. No new applications, no disruption, no change in how they experience your organization.
AR relief
Funded plans come off your books. AR days drop, and slow-pay receivables stop distorting your revenue cycle metrics.
Zero staff burden
ClearBalance takes over servicing, statements, payment processing, and patient support. Your team is out of the loan servicing business entirely.
One conversion project. Years of AR resolved.