For Providers

Non-Recourse Patient Financing

Maximize Your Cash Flow Potential: Ensure 100% Patient Payment Collection

iVitaFi’s non-recourse patient financing program delivers significant benefits that greatly impact healthcare providers’ financial outcomes. Our program effectively reduces bad debt risk by ensuring timely payments, streamlines financial processes to alleviate providers from chasing patient payments, and improves cash flow through a dependable revenue stream. Partner with iVitaFi to experience the evolution of patient financing, unlocking greater accessibility, affordability, and success for all stakeholders in the healthcare journey.


Best-in-Class: iVitaFi Patient Financing

Full Non-Recourse: Re-Usable Line of Credit (LOC)

Pre-Bad Debt Solution: Matched to Patient Needs

Key Facts for Providers:

  • Guaranteed payment
  • Paid in full upon LOC funding
  • Debt will never come back
  • Staff-initiated & self-service origination options
  • Fast, flexible implementation

Key Facts for Providers:

  • Guaranteed payment
  • Paid in full upon LOC funding
  • Non-recourse – Debt will never come back
  • Staff-initiated & self-service origination options
  • Program offered at pre, point and post-service
  • Fast, flexible implementation
  • Seamless EMR Integration
  • User-friendly for both patients and staff
  • Quarterly business reviews for enhanced performance

Key Facts for Patients:

  • Improved healthcare affordability
  • Fixed 0% Interest rate for life of loan
  • Flexible repayment terms of up to 36-mo 
  • Accessibility for ALL credit profiles
  • No hard credit checks required
  • Reusable line of credit for additional treatments
  • Convenient, 24/7 online portal
  • Approval based on need, rather than credit score
  • Easy application and approval process

Key Facts for Patients:

  • 0% Interest for life of loan
  • Up to 36-mo repayment terms
  • Offered to ALL credit profiles
  • No hard credit checks
  • Reusable for length of credit term
  • Convenient, 24/7 online portal
  • Available to guarantor’s family

Unique Benefits

Key Facts for Providers:

  • Improve collection rates by 2x – 3x on average
  • Predictable source of revenue
  • Increase patient volume
  • Improve cash flow and forecasting
  • Non-recourse – if a patient defaults, you keep the cash
  • Mitigate patient bad debt
  • Reduce no shows & patient leakage
  • Increase patient satisfaction score with the friendliest program on the market
  • No technical integration required to get started

Key Facts for Patients:

  • Financial confidence to seek care
  • Guaranteed no origination, prepayment, or late fees
  • Reusable line of credit available to the whole family
  • No impact to credit to apply
  • Payment terms are based on the ability to pay, not the propensity to pay

Flexible Paths to Patient Financing

Key Facts for Providers:

  • Cloud-Based
  • Direct EHR Integration
  • Fast & Efficient Enrollment

Key Facts for Patients:

  • Immediate, patient-centric, self-enrollment
  • Lightning-fast pre-qualification & loan origination process
  • Automatic payments

Implement a Non-Recourse Lending Strategy Today

Help patients pay their medical bills so you can focus on providing care and growing your practice.

Providers can go live in as fast as 3 weeks

Needs minimal IT implementation resources

No implementation

Easy to implement, easy to use

We work with you to customize how the lending program works for your medical facility. Our onboarding process is straightforward, and provider staff find our all-digital loan origination and approval process easy to use.

Simple workflow

Our healthcare line of credit program is delivered by the provider to a patient in a matter of minutes:

  • Presentation: Provider staff present the 0% line of credit as a payment option at any point of service.*
  • Pre-Approval: Provider staff walk the patient through the all-digital, seamless application. The experience takes just minutes.
  • Origination: Once approved, the line of credit is immediately processed and available for use.
  • Funding: Once services have been rendered, the line of credit is automatically debited, and the provider receives the funds. Patients can use the line of credit for their family or for other balances with the facility, and payments are based on what they can afford, not on what they owe.

* Terms and conditions apply.

It’s that easy. Provider staff need just a few minutes to discuss the program with patients, and once approved, patients can create an account online in less than 5 minutes – even via their phone.

Offered at all points of service

The lending program can be offered at any point in the revenue cycle when you discuss out-of-pocket payments with your patients. Our digital solution integrates with existing workflows at pre-registration, point of service, the emergency room and post-billing.

Visit the links below to learn more about how the program works at each point of service.

Find out how you can grow your practice and maximize profits.

Do you have questions or want to learn more? We’d love to talk to you about your challenges and opportunities surrounding patient financing and payments. Fill out the form below and we’ll be in touch shortly.

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(888) 504-8482
101 Marietta Street NW
Suite 2310
Atlanta, GA 30303