Compassionate Finance
Compassionate Finance is a US-based cloud platform that enables dental and specialty healthcare providers to offer patients flexible monthly payment plans for out-of-pocket procedures, using a proprietary multi-indicator credit assessment and in-office pre-qualification to drive case acceptance.
- Company typePrivate
- Founded2010
- HeadquartersGrapevine, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Compassionate Finance does
Compassionate Finance is a cloud-based patient financing platform that enables healthcare providers — predominantly dental practices, with growing exposure to plastic surgery, ophthalmology, audiology, vision, and veterinary care — to offer patients flexible monthly payment plans for out-of-pocket procedures. The company's proprietary technology stack includes a multi-indicator "Payment Worthy" credit assessment that incorporates banking history alongside traditional credit scores, an "In-The-Chair" in-office pre-qualification and approval process completed at the point of care, automated ACH-based collections with direct deposit to providers, and both provider-facing and borrower-facing portals for plan management. Payment plans start at approximately $40 per month with terms extending up to 60 months (72 months for financing above $15,000), and the company advertises a 99% financing approval rate targeting patients who lack access to traditional credit.
The company operates a two-sided, provider-anchored business model: providers are acquired primarily through direct sales outreach, dental-industry events, and referrals from existing network participants, while patients are reached through provider offices and a public pre-qualification website. Revenue is generated from provider transaction/financing fees on each plan originated, supplemented by interest income on loans extended to patients at provider-set rates averaging roughly 11% for borrowers with stronger credit and 17% for those with lower credit (capped at 18%). Reference outcomes cited by the company include an average 40% practice growth following implementation and a 99%+ reported collection rate. Compassionate Finance is a wholly-owned brand of Comprehensive Finance, Inc. (CFI), led by CEO/President Michael Brown, alongside sister brands AcceptCare (powered by OrthoFi) and AbellaAR (augmented reality for dental); the platform reports 4,000+ provider partners and $214M in in-house payment plans under management, operating exclusively in the United States.
Compassionate Finance firmographics
Firmographics- Name
- Compassionate Finance
- Legal name
- Compassionate Finance | a brand of Comprehensive Finance, Inc.
- Website
- https://compassionatefinance.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Compassionate Finance is a US-based cloud platform that enables dental and specialty healthcare providers to offer patients flexible monthly payment plans for out-of-pocket procedures, using a proprietary multi-indicator credit assessment and in-office pre-qualification to drive case acceptance.
- Ownership category
- akta.pro rank
Compassionate Finance industry classification
Industry- Product category
- Healthcare Patient Financing
- NAICS
- Sales Financing (52222), Activities Related to Credit Intermediation (5223)
- 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
- Price Transparency, Estimates & Patient Financial Clearance (HLACACAK), Medical & Healthcare Personal Loans (Unsecured Installment) (FSAKAAAF)
Keywords
Where Compassionate Finance is headquartered
LocationHeadquarters
- HQ city
- Grapevine
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Compassionate Finance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Provider Transaction/Financing Fees: Compassionate Finance charges providers for facilitating patient financing. Providers pay for the service of having a fully managed payment plan system that handles applications, collections, and direct deposits to the provider's account. The company earns interest on loans extended to patients.
- Interest Income from Patient Loans: The company earns interest income on financing arrangements extended to patients. Interest rates are determined by the provider and average 11% for patients with good credit and 17% for those with lower credit ratings.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Flexible monthly payment plans starting at $40/month |
| Unit Pricing | Monthly | Provider-set interest rates |
| Other | Pay-as-you-go | Pre-approval with 99% financing approval rate |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
Compassionate Finance product offering
Product offeringCore offering
Compassionate Finance provides a cloud-based patient financing platform that enables healthcare providers—primarily dental practices—to offer patients flexible monthly payment plans for procedures. The platform automates the entire financing workflow from patient pre-qualification and credit evaluation through automated payment collection, with funds disbursed via ACH direct deposit to the provider's account. Flexible terms range from $40/month minimum up to 72 months, with provider-set interest rates averaging 11–17%.
Product overview
Compassionate Finance is a dental and medical patient financing platform operated by Comprehensive Finance, Inc. (CFI) that offers a suite of integrated products: the core Compassionate Finance platform provides flexible monthly payment plans for patients with customizable interest rates and terms up to 72 months; In-The-Chair enables in-office patient pre-qualification; and branded sub-products include AcceptCare (payment acceptance via OrthoFi) and AbellaAR (dental AR). The platform serves dental, vision, veterinary, cosmetic, hearing care, plastic surgery, and other healthcare specialties. Providers access financing management through a cloud-based provider portal, while patients use a borrower portal to manage payments. The company has processed over $214 million in payment plans across 4,000+ provider partners.
Differentiator
Problem solved
Functional benefit
Brands
- AcceptCare: Patient financing solution offered through orthofi.com/acceptcare/
- AbellaAR
Products and services
- Compassionate Finance Patient Financing Platform Cloud-based platform that enables dental and medical practices to offer patients flexible monthly payment plans starting at $40/month, with terms up to 72 months. Includes proprietary Payment Worthy™ multi-indicator credit evaluation, automated payment collection, and direct deposit to providers. Serves dental, vision, veterinary, plastic surgery, audiology, and other healthcare specialties.
- Compassionate Finance Provider Portal Self-serve cloud portal for healthcare providers to manage patient financing plans, track payment status, oversee collections, and administer their Compassionate Finance program. No software installation required.
- Compassionate Finance Borrower Portal Patient-facing self-serve portal that allows borrowers to manage their payment plans, view balances, make payments, and access account information for their healthcare financing.
Quantifiable outcome
- 40% practice growth reported after implementing Compassionate Finance financing options
- +6 more outcomes
Companies that use Compassionate Finance
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles4 records
Compassionate Finance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Compassionate Finance partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Six Month SmilescorePartnership with Six Month Smiles (866.957.7645), a dental braces provider. Compassionate Finance became the preferred financing partner for Six Month Smiles providers, easing the financial burden on patients seeking orthodontic treatment. Special enrollment offers provided to Six Month Smiles providers joining Compassionate Finance.
- AcceptCare (OrthoFi)minorAcceptCare is listed as one of Compassionate Finance's own brands alongside Compassionate Finance and AbellaAR. This appears to be a related product/service within the Comprehensive Finance ecosystem.
- AbellaARminorAbellaAR is listed as one of Compassionate Finance's own brands. This appears to be a related product/service within the Comprehensive Finance ecosystem.
- Comprehensive Finance, Inc. (CFI)coreCompassionate Finance is a brand of Comprehensive Finance, Inc. (CFI). Michael Brown serves as CEO and President of CFI. CFI is the parent company providing the infrastructure and branding for Compassionate Finance.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Compassionate Finance competitors and assessment
Company assessmentDirect peers
- Sunbit: Point-of-sale financing provider with strong penetration in dental, automotive, and optical verticals. Directly comparable in dental patient financing workflow and in-office approval experience similar to Compassionate Finance's In-The-Chair product.
- OrthoFi: Orthodontic practice management and patient financing platform powering the AcceptCare brand that sits under Compassionate Finance's parent CFI. Comparable as a dental/ortho financing and practice management vendor with overlap in orthodontic patient financing workflows.
- PatientFi: Healthcare-focused BNPL and patient financing platform for elective procedures including dental, plastic surgery, and fertility. Directly comparable as a tech-forward patient financing provider targeting similar elective-care practices with soft-pull pre-qualification.
- Alphaeon Credit: Patient financing platform focused on elective healthcare procedures including dentistry, ophthalmology, and plastic surgery. Directly comparable as a specialty-vertical installment lender offering practice-facing financing tools to the same provider segments.
- Prosper Healthcare Lending: Specialty healthcare lender offering unsecured personal loans for medical procedures including dental implants, fertility, and cosmetic surgery. Comparable as a healthcare installment lender extending unsecured patient financing for elective care.
- United Medical Credit: Healthcare-focused personal loan provider covering dental, cosmetic, fertility, and bariatric procedures. Comparable as a multi-specialty healthcare loan broker/lender for elective procedures with similar patient underwriting orientation.
Emerging players
- Walnut: Healthcare BNPL provider focused on out-of-pocket medical expenses and elective procedures. Comparable as an emerging patient financing entrant targeting the same elective-care practices with soft-pull underwriting and modern UX.
Broad incumbents
- CareCredit (Synchrony Financial): The dominant healthcare-focused patient financing product, owned by Synchrony Financial, with deep integrations into dental, vision, veterinary, and other elective-care provider networks. Directly comparable as a multi-specialty healthcare installment lender serving the same provider and patient base as Compassionate Finance.
- Affirm: Public BNPL provider that has expanded into elective healthcare including dental and cosmetic procedures. Comparable as a broader consumer financing brand moving into healthcare point-of-care financing with provider-facing integrations.
- LendingClub Patient Solutions: Healthcare financing arm of LendingClub that provides patient installment loans for elective procedures, used widely across dental and other elective-care practices. Comparable as a scaled, broad-reach patient lending platform with provider-facing tools.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Compassionate Finance social profiles
Digital presenceCompassionate Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Compassionate Finance leadership team
Management profileNumber of profiles
Profiles1 record
Compassionate Finance subsidiaries and ownership
Company hierarchySubsidiaries3 records
Compassionate Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Compassionate Finance 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 Compassionate Finance
What does Compassionate Finance do?
Compassionate Finance provides a cloud-based patient financing platform that enables healthcare providers—primarily dental practices—to offer patients flexible monthly payment plans for procedures. The platform automates the entire financing workflow from patient pre-qualification and credit evaluation through automated payment collection, with funds disbursed via ACH direct deposit to the provider's account. Flexible terms range from $40/month minimum up to 72 months, with provider-set interest rates averaging 11–17%.
Is Compassionate Finance a public or private company?
Compassionate Finance is a private company. It is classified as corporate owned and is currently operating.
When was Compassionate Finance founded?
Compassionate Finance was founded in 2010. It employs 11 to 50 people.
Where is Compassionate Finance based?
Compassionate Finance is headquartered in Grapevine, United States, in the North America region.
How does Compassionate Finance make money?
Two revenue lines are on record. Provider Transaction/Financing Fees are the primary driver. The others are interest Income from Patient Loans.
Who are Compassionate Finance's main competitors?
Direct peers on record are Sunbit, OrthoFi, PatientFi, Alphaeon Credit, Prosper Healthcare Lending and United Medical Credit. Walnut is listed as an emerging player. Broad incumbents are CareCredit (Synchrony Financial), Affirm and LendingClub Patient Solutions.
Does Compassionate Finance have an API?
No public API is recorded for Compassionate Finance.
What industry is Compassionate Finance in?
Compassionate Finance's product category is Healthcare Patient Financing. Its primary akta.pro industry code is HLACAEAI, Patient Financial Engagement (Estimates, Billing Presentment, Payments), with a secondary code of HLACACAK, Price Transparency, Estimates & Patient Financial Clearance. Its NAICS code is 52222 and its SIC code is 6141.