Curae
Curae (Curae Finance, LLC) is a U.S. healthcare fintech subsidiary of Atlanticus Holdings that provides non-recourse patient financing and integrated financial-clearance software to enterprise hospital systems, paying providers within 24-48 hours while absorbing patient default risk.
- Company typePrivate
- Founded2018
- HeadquartersSmyrna, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Curae does
Curae (legally Curae Finance, LLC) is a healthcare-focused financial technology company that provides non-recourse patient financing and integrated revenue cycle tools to U.S. hospitals and health systems. Founded in 2018 as a subsidiary of publicly-traded consumer-finance holding company Atlanticus Holdings Corporation, Curae issues revolving patient lines of credit (issued by The Bank of Missouri, ranging $2,000-$10,000, 0% interest, no credit-score impact to apply) and pays participating providers within 24-48 hours while assuming default risk itself. The company sells exclusively to enterprise healthcare providers via a dedicated field-sales motion, with named customers including Emory Healthcare, Banner Health, Piedmont Healthcare, UF Health, Houston Methodist, and others.
Curae's core product is a patented, HIPAA-compliant, 100% cloud-based Patient Financial Care Platform with a mobile-first patient experience. The platform is delivered through three modules: Comprehensive Payments (electronic payment processing with automated outreach and 0% interest non-recourse financing), Financial Clearance (eligibility verification, coverage detection, Medicare monitoring, and Transfer DRG underpayment audit), and Patient Advocacy (insurance enrollment and premium sponsorship assistance). The technology stack includes AI/ML models trained on 40+ billion cells of proprietary healthcare financial data that drive patient risk scoring and coverage detection, enabling 90%+ approval rates across the credit spectrum.
The business model is transaction-fee-based: Curae earns the financing spread between amounts advanced to providers and patient repayments over time, rather than charging providers upfront SaaS fees. The platform integrates natively with Epic (App Orchard), RevSpring/PersonaPay, Patientco, and HealthPay24, embedding Curae inside health-system EHR and patient-billing workflows. Curae employs 51-100 people across Atlanta, GA (headquarters) and Smyrna, GA, and was ranked 4th in KLAS Research's 2026 Best in KLAS for Patient Financing Services (score 88.7). Customer-reported outcomes include a 22% reduction in patient bad debt, 2x-3x improvement in patient collections, and $50M-$100M in incremental patient revenue over three-year engagements.
Curae firmographics
Firmographics- Name
- Curae
- Legal name
- Curae Finance, LLC
- Website
- https://curae.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Curae (Curae Finance, LLC) is a U.S. healthcare fintech subsidiary of Atlanticus Holdings that provides non-recourse patient financing and integrated financial-clearance software to enterprise hospital systems, paying providers within 24-48 hours while absorbing patient default risk.
- Ownership category
- akta.pro rank
Curae industry classification
Industry- Product category
- Healthcare Patient Financing Software
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)
- SIC
- Personal Credit Institutions (6141), Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Patient Financial Engagement (Estimates, Billing Presentment, Payments) (HLACAEAI)
- akta.pro secondary industries
- Healthcare Billing & Patient Payments Presentment (FSAMAJAH), Medical & Healthcare Personal Loans (Unsecured Installment) (FSAKAAAF)
Keywords
Where Curae is headquartered
LocationHeadquarters
- HQ city
- Smyrna
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Curae business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Non-Recourse Patient Financing: Curae provides non-recourse financing to patients. Providers receive full payment within 24-48 hours. Curae assumes default risk and generates revenue from the financing spread between what they pay providers upfront and what patients pay over time through installment plans. No upfront cost to providers.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Curae product offering
Product offeringCore offering
Curae provides a unified Patient Financial Care Platform that enables healthcare providers to offer revolving lines of credit and 0% interest non-recourse financing to patients, with funding to providers within 24-48 hours. The platform combines Comprehensive Payments (electronic payment processing and automated outreach), Financial Clearance (eligibility verification, coverage detection, Medicare monitoring, and Transfer DRG underpayment audits), and Patient Advocacy (insurance enrollment and premium sponsorship support). Lines of credit are issued by The Bank of Missouri, and the platform integrates with Epic, RevSpring, Patientco, and HealthPay24.
Product overview
Curae operates as a healthcare-focused financial technology company offering a unified Patient Financial Care Platform that integrates multiple modules. The core platform consists of Comprehensive Payments (full-service electronic payment processing with 0% interest non-recourse financing), Financial Clearance (eligibility verification, coverage detection, Medicare monitoring, and Transfer DRG audits), and Patient Advocacy (monetary support and insurance enrollment assistance). The platform enables providers to offer Curae Patient Financing — revolving lines of credit exclusive to their health system — through both a mobile-first Patient Account Center for patients and a Provider Portal for staff. The platform is HIPAA-compliant, patented, and integrates with major EHR systems including Epic. Curae was acquired by Atlanticus Holdings Corporation and serves health systems across the United States.
Differentiator
Problem solved
Functional benefit
Products and services
- Patient Financial Care Platform HIPAA-compliant and patented platform delivering a mobile-first, consumer-grade experience for patients managing healthcare expenses, enabling providers to offer revolving lines of credit exclusive to their health system.
- Curae Patient Financing Revolving patient lines of credit issued by The Bank of Missouri for financing healthcare expenses at approved providers, with available credit lines ranging from $2,000-$10,000 and 0% interest programs. Applying and viewing offers does not impact the patient's credit score.
Quantifiable outcome
- 22% reduction in patient bad debt
- +5 more outcomes
Companies that use Curae
Customer profileNamed customers13 records
Segments1 record
Ideal customer profiles1 record
Curae technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability1 record
Feature4 records
Curae partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Epic (App Orchard Marketplace)coreCurae's non-recourse patient financing platform joined Epic's App Orchard marketplace, allowing providers to integrate Curae financing directly into Epic EHR systems for seamless patient payment experiences.
- RevSpringcoreIntegration allowing RevSpring's PersonaPay portal to offer Curae financing to qualifying patients, expanding access to patient payment options through existing billing platforms.
- HealthPay24corePartnership empowering patients with flexible payment options through HealthPay24's patient payment platform, enabling access to Curae's 0% interest financing.
- PatientcocoreIntegration partnership enabling Patientco's billing platform to offer Curae financing options to patients.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
Curae competitors and assessment
Company assessmentDirect peers
- PayZen: PayZen is the most direct competitor to Curae, offering AI-driven patient financing and payment plans to healthcare providers. PayZen outranked Curae in KLAS 2026 Best in KLAS for Patient Financing Services (95.2 vs Curae's 88.7), making it the immediate head-to-head rival for health system contracts.
- AccessOne: AccessOne is a direct patient financing peer offering low- and no-interest payment plans and credit programs to hospital systems nationwide. Like Curae, AccessOne focuses on serving the full patient credit spectrum and removing bad debt risk from providers.
- CarePayment: CarePayment is a direct competitor providing 0% and low-interest patient financing programs to hospitals and health systems. Competes head-to-head with Curae in non-recourse patient lending and is also recognized in KLAS for Patient Financing Services.
- ClearBalance Healthcare: ClearBalance is a long-standing direct competitor in patient financing, offering multi-year, no-interest and low-interest payment plans to health systems. Competes with Curae for the same health system revenue cycle management budget line and has comparable KLAS recognition.
- Cedar: Cedar is a leading patient billing, engagement, and payments platform serving many of the same enterprise health systems as Curae. It overlaps with Curae's Comprehensive Payments module and competes for patient financial experience budget.
- RevSpring: RevSpring is both an integration partner of Curae (PersonaPay portal) and a competitor in patient billing communications and payments. RevSpring PersonaPay competes with Curae's patient-facing financing experience across overlapping health system customers.
- HealthPay24: HealthPay24 is both a Curae integration partner and a direct competitor in patient payment and financing platforms. Its enterprise patient payment solution offers comparable payment plans and competes with Curae for the same health system wallet share.
- Patientco (Waystar): Patientco, now part of Waystar, is both a Curae integration partner and a competitor in patient billing and payments technology. It offers payment plans and financing workflows that overlap directly with Curae's Comprehensive Payments module.
Emerging players
- VisitPay (Health Catalyst): VisitPay, now part of Health Catalyst, is a patient billing and payments platform serving health systems with consolidated statements and financing workflows. It competes with Curae's patient financial access platform for enterprise RCM consolidation deals.
Broad incumbents
- CareCredit (Synchrony Financial): CareCredit, owned by Synchrony Financial, is the largest incumbent healthcare financing card product and competes broadly with Curae's patient financing for elective and out-of-pocket healthcare procedures. Significantly larger scale but less specialized in hospital-system revenue cycle integration.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Curae social profiles
Digital presenceCurae compliance and trust
Trust signalCompliance2 records
Curae financial estimates
Financial estimateRevenue estimate
Valuation estimate
Curae leadership team
Management profileNumber of profiles
Profiles7 records
Curae funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Curae M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Curae
What does Curae do?
Curae provides a unified Patient Financial Care Platform that enables healthcare providers to offer revolving lines of credit and 0% interest non-recourse financing to patients, with funding to providers within 24-48 hours. The platform combines Comprehensive Payments (electronic payment processing and automated outreach), Financial Clearance (eligibility verification, coverage detection, Medicare monitoring, and Transfer DRG underpayment audits), and Patient Advocacy (insurance enrollment and premium sponsorship support). Lines of credit are issued by The Bank of Missouri, and the platform integrates with Epic, RevSpring, Patientco, and HealthPay24.
Is Curae a public or private company?
Curae is a private company. It is classified as corporate owned and is currently operating.
When was Curae founded?
Curae was founded in 2018. It employs 11 to 50 people.
Where is Curae based?
Curae is headquartered in Smyrna, United States, in the North America region.
How does Curae make money?
One revenue line is on record: non-Recourse Patient Financing.
Who are Curae's main competitors?
Direct peers on record are PayZen, AccessOne, CarePayment, ClearBalance Healthcare, Cedar, RevSpring, HealthPay24 and Patientco (Waystar). VisitPay (Health Catalyst) is listed as an emerging player. CareCredit (Synchrony Financial) is listed as a broad incumbent.
Does Curae have an API?
No public API is recorded for Curae.
What industry is Curae in?
Curae's product category is Healthcare Patient Financing Software. Its primary akta.pro industry code is HLACAEAI, Patient Financial Engagement (Estimates, Billing Presentment, Payments), with a secondary code of FSAMAJAH, Healthcare Billing & Patient Payments Presentment. Its NAICS code is 5223 and its SIC code is 6141.