What PatientFi does

PatientFi is a privately held U.S. healthcare financing platform founded in 2017 and headquartered in Irvine, California, that enables elective healthcare providers to offer patients monthly payment plans for procedures that are typically paid out-of-pocket. The company serves thousands of providers across verticals including plastic surgery and medspa, fertility, audiology, cosmetic dental, hair restoration, and vision, with plastic surgery and fertility acting as primary segments. Patients apply digitally in under 60 seconds using only a soft credit check and can receive approval amounts up to $60,000, including zero-interest promotional plans and fixed-rate installment loans ranging from 6.99% to 32.99% APR, structured as a consult-driven reusable digital wallet rather than a single-use checkout BNPL.

The platform is delivered through a hybrid go-to-market combining direct enterprise field sales with embedded integrations into practice management software (Aesthetic Record, Galderma's ASPIRE) and exclusive channel partnerships with aesthetic manufacturers Galderma and Allergan Aesthetics. Lending credit is extended by participating banks and credit unions including Lead Bank and Optum Bank, while PatientFi itself holds multi-state sales finance and consumer lending licenses and NMLS ID #1719196. Revenue is generated through provider practice fees (including 0% provider fees on qualifying Galderma product financing), interest income on loan products, and partnership/loyalty program revenue. Recent operational expansion includes a December 2025 Boston IVF + Gaia fertility partnership offering $50K financing over 84 months and recognition on Deloitte's 2025 Technology Fast 500 list.

The company has raised approximately $25 million in a February 2024 Series B led by Questa Capital to fund sales expansion, new product development, and fertility market growth, and operates with 51-100 employees. Reported performance metrics include an 80% approval rate including subprime applicants, a 78% average patient conversion rate, and 88% of surveyed practices rating PatientFi as their best or better financing option versus incumbents, with reported revenue growth near 100% annually since founding.

Name

PatientFi

Legal name

PatientFi, Inc.

Website

https://patientfi.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Short description

PatientFi is a U.S. healthcare financing platform that enables elective healthcare providers across aesthetics, fertility, audiology, and dental to offer patients soft-credit-check installment loans and zero-interest promotional financing up to $60,000 for procedures typically paid out-of-pocket.

Ownership category

akta.pro rank

Product category

Healthcare Financing

NAICS

Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Healthcare & Medical POS Financing (FSAKAFAI)

akta.pro secondary industries

Patient Financial Engagement (Estimates, Billing Presentment, Payments) (HLACAEAI), Medical & Healthcare Personal Loans (Unsecured Installment) (FSAKAAAF)

Keywords

• Patient financing
• Healthcare lending
• Elective procedure financing
• Medical lending platform
• Practice financing solutions

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Provider/ Practice Fees: PatientFi charges practice fees to healthcare providers for financing services. The fees vary by product type, with 0% provider fees on qualifying Galderma product financing through exclusive partnership. This is the primary revenue stream from the B2B provider side.
2. Interest Income from Loan Products: PatientFi earns interest income from promotional and standard loan products offered to patients. Fixed rate plans range from 6.99% to 32.99% APR. Zero-interest promotional plans waive interest if paid in full during promotional period; otherwise simple interest applies to remaining balance.
3. Partnership and Loyalty Program Revenue: Revenue generated through exclusive partnerships with Galderma (ASPIRE program) and Allergan Aesthetics, including provider enrollment fees, promotional program administration, and exclusive pricing arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

PatientFi operates a healthcare financing platform that enables elective healthcare practices to offer patients flexible monthly payment plans for procedures such as plastic surgery, fertility treatments, audiology, and cosmetic dental work. The platform features a reusable digital wallet, soft credit check approvals in under 60 seconds, zero-interest promotional financing, and approval amounts up to $60,000. Financing credit is extended by participating banks (Lead Bank, Optum Bank) while PatientFi earns revenue from provider fees and interest income.

Product overview

PatientFi is a healthcare financing platform offering a unified product portfolio centered around its Core Financing Platform and Digital Wallet. The platform enables elective healthcare practices across aesthetics, fertility, audiology, and cosmetic dental specialties to offer patients flexible monthly payment plans. Key products include specialized financing modules for different healthcare verticals (Aesthetics, Fertility, Audiology, Cosmetic Dental, Enterprise), complemented by patient and provider portals (Provider Login, Patient Login), a Provider Search directory, and a Payment Calculator. The company also provides educational resources through its Blog and PracticeLand Podcast. PatientFi differentiates through soft credit checks, zero-interest promotional offers, approval amounts up to $60,000, and exclusive partnerships with Galderma (ASPIRE) and Allergan Aesthetics. The platform integrates natively with practice management software including Aesthetic Record.

Differentiator

Problem solved

Functional benefit

Products and services

• PatientFi Core Financing Platform A healthcare financing platform that enables elective healthcare practices to offer patients flexible monthly payment plans with soft credit checks, zero-interest promotional options, and approval amounts up to $60,000 for procedures. Financing credit is extended by participating banks.
• PatientFi Digital Wallet A reusable digital line of credit that patients can use across their entire treatment journey without needing to reapply, covering follow-up procedures, medications, labs, and related out-of-pocket expenses.
• PatientFi for Aesthetics Vertical-specific financing solution for plastic surgery, medspa, and dermatology practices with exclusive partnership savings, 0% provider fees on Galderma products, and integrated ASPIRE loyalty program support.
• PatientFi for Fertility Financing solution for fertility clinics offering zero-interest plans up to $50,000 with flexible terms up to 84 months, and a digital wallet covering entire fertility journeys from IVF to medications and genetic testing with no hard credit checks.
• PatientFi for Audiology
• PatientFi for Cosmetic Dental Financing option for cosmetic dental procedures covering veneers, implants, and treatments, with flexible monthly payment plans designed to increase case acceptance.
• PatientFi Enterprise Enterprise-level financing solution for larger multi-location healthcare organizations, providing customizable integration, custom marketing support, and dedicated Success Manager support across locations.

Quantifiable outcome

• 88% of practices rated PatientFi the better or their best option compared to their current financing providers
• +5 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core, flagship and minor.

• Boston IVFcoreStrategic or Co-development Partner · 2 December 2025Fertility clinic partnership providing zero-interest financing up to $50,000 with flexible terms up to 84 months and no hard credit checks. Partnership aims to improve access to fertility treatments for patients throughout the Northeast, particularly in the Boston region.
• GaiacoreStrategic or Co-development Partner · 2 December 2025Fertility treatment partner alongside Boston IVF, offering value-based financial plans aligned with treatment milestones. Gaia and PatientFi provide complementary financing options to help patients manage costs of reproductive care.
• Galderma (ASPIRE Program)flagshipStrategic or Co-development Partner · 9 November 2023Exclusive partnership offering 0% provider fees when financing Galderma products through the ASPIRE program. Enables MedSpas to offer financing on Galderma products (Botox, fillers, etc.) with no provider fees, protecting margins while expanding patient access. PatientFi is integrated with ASPIRE platform.
• Allergan AestheticsflagshipStrategic or Co-development PartnerExclusive financing partner for Allergan Aesthetics, providing practices access to exclusive partnership savings across Allergan's portfolio through quarterly promotions. This is a marketing and GTM partnership.
• Aesthetic RecordcoreTechnology or IntegrationPractice management software integration partner. PatientFi is fully embedded within Aesthetic Record, allowing staff to offer pay-over-time options directly inside the platform without redirects or duplicate data entry. Integration reduces checkout drop-off and streamlines patient workflow.
• IVI RMA North AmericaminorStrategic or Co-development PartnerBoston IVF is part of the IVI RMA North America network, expanding PatientFi's reach within this fertility clinic network through the Boston IVF partnership.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• CareCredit: Synchrony Financial's patient financing product that is the dominant incumbent in elective healthcare financing. Directly competes with PatientFi across plastic surgery, dental, audiology, and fertility, and is explicitly the comparison PatientFi markets against.
• Cherry: BNPL and patient financing platform for healthcare practices including dental, aesthetics, and veterinary. Direct competitor in point-of-care healthcare financing with similar practice-facing integration model.
• Sunbit: Patient financing provider focused on dental, auto, and healthcare verticals, offering no-hard-credit-check approvals and practice-side integrations. Competes head-to-head with PatientFi in elective healthcare practices.
• Wisetack: Patient financing BNPL platform embedded into practice management software for home services and healthcare. Targets similar elective procedure use cases and competes on integration and approval experience.
• Alphaeon Credit: Patient financing platform serving elective healthcare providers in ophthalmology, dentistry, dermatology, and plastic surgery. Direct competitor in the same provider base with similar promotional financing structure.

Broad incumbents

• Affirm: Public BNPL leader with growing healthcare and elective procedure exposure (e.g., cosmetic and elective medical partnerships). A broader consumer-finance incumbent beginning to encroach on PatientFi's vertical.
• Klarna: Global BNPL incumbent exploring healthcare and elective procedure financing partnerships. Broad consumer-finance player whose potential expansion threatens PatientFi's vertical specialization.
• Synchrony Financial: Parent of CareCredit and one of the largest US consumer finance companies with deep healthcare financing exposure. Sets the competitive ceiling PatientFi must compete against and a likely acquisition/IPO comparable.

Emerging players

• LendingPoint: Online consumer lender offering installment loans including medical procedure financing. Partial overlap with PatientFi's fixed-rate installment product for subprime-inclusive borrowers.
• Prosper Healthcare Lending: Specialized patient financing lender for elective medical procedures including fertility, bariatric, and cosmetic surgery. Direct competitor in healthcare-specific unsecured installment lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@Patient-Fi
• Facebookfacebook.com/PatientFi
• LinkedInlinkedin.com/company/patientfi
• Instagraminstagram.com/patient.fi
• Xx.com/patientfi

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds6 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PatientFi