HELP Financial

What HELP Financial does

HELP Financial (H.E.L.P. Financial Corporation) is a privately held healthcare patient financing company founded in 1989 and headquartered in Plymouth, Michigan. The company partners with hospitals and health systems across the United States — particularly regional multi-hospital health systems and community/critical access hospitals — to help them manage patient-responsible balances following insurance processing, after patient visits, or during EMR transitions. HELP's core program extends 0% APR, no-fee payment plans to patients with no credit checks required, enabling providers to receive immediate upfront funding while patients repay HELP over time through structured installment plans. The company reports that fully implemented programs typically deliver upfront funding equivalent to approximately 1% of a hospital's annual net patient revenue, with one partner health system citing a 94% collection rate and an NPS of 93.

HELP's technology stack is built around web-based portals: the MyHELP Patient Portal for account management and e-signed payment agreements, a Provider Portal for program administration and performance reporting across multi-facility systems, and a Self HELP Online Enrollment portal for patient self-service enrollment. Notably, HELP's model does not require integration into a provider's existing systems — the program can be live within days of receiving patient data. HELP also offers First-Stage Billing Services as an add-on module to reduce early administrative workload for hospital teams.

HELP's go-to-market is exclusively direct B2B, relationship-driven enterprise field sales targeting CFOs, revenue cycle leaders, and business office teams at hospitals. The company supports demand generation through its "Beyond the Bill" content blog and sponsors healthcare finance industry events including HFMA Annual Conference, NRHA Critical Access Hospital Conference, state-level HFMA conferences, and Healthcare CFO summits. HELP is a Gold Partner of the NRHA and a member of HFMA, AAHAM, and NAHAM. The company is state-licensed (Michigan Regulatory License No. RL0019211) and federally registered (NMLS Number 1658167) and operates with 101–250 employees. Revenue is generated primarily through the spread between funded balances and patient repayments collected over time, with no fees charged to patients.

Name

HELP Financial

Legal name

H.E.L.P. Financial Corporation

Website

https://helpfinancial.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

101–250 employees

Short description

HELP Financial is a privately held healthcare patient financing company that partners with US hospitals and health systems to offer 0% APR, no-fee payment plans to patients, providing providers with immediate upfront funding while patients repay over time. Founded in 1989 and based in Plymouth, Michigan.

Ownership category

akta.pro rank

Product category

Healthcare Patient Financing

NAICS

Activities Related to Credit Intermediation (5223), Sales Financing (52222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Medical & Healthcare Personal Loans (Unsecured Installment) (FSAKAAAF)

akta.pro secondary industries

Patient Financial Engagement (Estimates, Billing Presentment, Payments) (HLACAEAI), Healthcare & Medical POS Financing (FSAKAFAI)

Keywords

• Healthcare patient financing
• Medical payment plans
• Patient lending services
• Healthcare billing solutions
• Provider funding programs

Headquarters

HQ city

Plymouth

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Patient Payment Plan Financing: HELP extends credit to patients to cover outstanding healthcare balances. Providers receive immediate upfront funding (equivalent to approximately 1% of annual net patient revenue per the company's guidance), and patients repay HELP over time through installment payments. HELP earns revenue from the spread between the funded amount and repayments collected from patients. The company also offers first-stage billing services to reduce early administrative workload for hospitals.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

HELP Financial is a healthcare patient financing company that provides 0% APR, no-fee payment plans to patients with no credit checks. The company delivers immediate upfront funding to healthcare providers, eliminating patient collections risk and accelerating cash flow for medical practices, hospitals, and ancillary care providers.

Product overview

HELP Financial is a patient financing company offering a unified platform centered on its core HELP Patient Financing Program. The program delivers 0% APR, no-fee payment plans without credit checks, enabling healthcare providers to receive immediate funding while patients pay balances over time. The platform includes the MyHELP Patient Portal for patient account management and Self HELP Online Enrollment for patient self-service. HELP also offers First-Stage Billing Services as an add-on to reduce early administrative burden for hospitals. Healthcare providers access the program through a dedicated Provider Portal for program administration and reporting.

Differentiator

Problem solved

Functional benefit

Products and services

• 0% APR Patient Payment Plans
• Provider Upfront Funding
• MyHELP Patient Portal
• Provider Portal
• Self HELP Enrollment
• First-Stage Billing Services

Quantifiable outcome

• Upfront funding equivalent to approximately 1% of annual net patient revenue for fully implemented programs
• +3 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• National Rural Health Association (NRHA)coreGTM or Marketing PartnerHELP Financial is a Gold Partner of the NRHA, a leading association representing rural hospitals and healthcare communities. This partnership positions HELP as a trusted resource for critical access and community hospitals, providing visibility at NRHA events including the 25th Critical Access Hospital Conference and Annual Conference. The partnership reflects HELP's focus on serving rural healthcare providers.
• HFMA (Healthcare Financial Management Association)coreGTM or Marketing PartnerHELP Financial is a member of HFMA, the national professional organization for healthcare finance leaders. HELP attends and sponsors HFMA events including the Annual Conference and state-level conferences (Iowa HFMA Spring Conference as Gold sponsor). HFMA membership supports thought leadership and peer network access for business development.
• AAHAM (American Association of Healthcare Administrative Management)minorGTM or Marketing PartnerHELP Financial is a member of AAHAM, a professional organization serving healthcare administrative management professionals involved in patient access, registration, billing, and collections.
• NAHAM (National Association of Healthcare Access Management)minorGTM or Marketing PartnerHELP Financial is a member of NAHAM, supporting healthcare access management professionals. Membership aligns with HELP's focus on patient financial engagement and access.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• AccessOne: AccessOne provides patient financing programs to hospitals and health systems, including 0% and low-APR payment plans. It is a direct competitor to HELP with a similar healthcare-only focus and provider-funded model.
• CareCredit (Synchrony Financial): Synchrony Financial's healthcare financing arm offers patient installment plans for medical, dental, and veterinary expenses. CareCredit is HELP's most direct competitor, though it uses a credit-card-based model with underwriting, contrasting HELP's no-credit-check 0% APR approach.
• ClearGage: ClearGage provides patient financing solutions and recurring payment processing to healthcare providers, including interest-free and extended-term plans. Directly comparable to HELP in product structure and hospital customer base.
• ClearBalance Healthcare: ClearBalance offers patient-friendly healthcare financing solutions to hospitals and health systems, providing revolving credit lines and payment plans. Directly comparable to HELP in target market, model, and value proposition.
• MedCredit Financial Services: MedCredit provides patient financing programs for elective medical procedures and balances, serving providers with installment plan structures. It competes in the broader patient financing space with overlap on healthcare installment lending.

Emerging players

• Curae: Curae is an emerging patient financing platform offering no-interest healthcare payment plans with soft credit checks. It overlaps with HELP on the compassionate financing thesis but serves a different mix of provider types and patient segments.
• Cedar: Cedar is a patient financial engagement platform offering personalized billing, payment, and financing experiences for healthcare providers. While broader than HELP, it increasingly overlaps through embedded patient payment plan functionality.
• HPS (Health Payment Systems): HPS offers patient payment and financing solutions to healthcare providers, including interest-free payment plans. Comparable to HELP in its patient-friendly financing approach, though smaller in scale and more regional.

Broad incumbents

• VisitPay (Waystar): VisitPay, now part of Waystar, provides patient billing, payment, and financing solutions to health systems. It is a broader incumbent in patient financial experience, with embedded financing options competing with HELP.
• CommerceHealthcare (Commerce Bank): Commerce Bank's healthcare division offers patient financing, lending, and treasury solutions to health systems. It is a broader incumbent with deeper balance sheet and banking capabilities, competing for the same hospital customer base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/helpfinancialcorporation
• LinkedInlinkedin.com/company/help-financial-corporation

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 HELP Financial