What Pennsylvania Assistive Technology Foundation does

Pennsylvania Assistive Technology Foundation (PATF) is a CDFI-certified nonprofit founded in 1998 and headquartered in King of Prussia, Pennsylvania. It serves Pennsylvanians with disabilities and older adults by providing low-interest loans, one-on-one information and assistance, and disability-tailored financial education to help individuals afford assistive technology such as wheelchairs, hearing aids, communication devices, adapted vehicles, and home modifications. Core offerings include a financial loans program, an Information & Assistance service that has reached 17,160 people, and a Financial Education program featuring the Cents and Sensibility publication, the Money Talks webinar series, and the StudyMoney.us platform.

The underlying technology is a WCAG 2.1 AA-conformant accessible web platform with self-serve application forms and a loan calculator, supplemented by phone and email support in multiple languages (via Certified Languages International for 230+ languages), with an AI chatbot reported as in development for funding resource assistance. Branded programs include Smart Homes Made Simple, Project Beyond Diagnosis, the Community HealthChoices Toolkit, and the Vision for the Future annual conference.

PATF operates a direct-to-consumer GTM with a hybrid segment focus on individual borrowers with disabilities (primary), older adults (primary), families/caregivers, and referral partners (service coordinators and disability organizations). Its revenue model combines loan interest income from low-rate AT loans with donations and grants from federal, state, and foundation sources (e.g., a $700K AT AFP grant, $25K from The Philadelphia Foundation). Its wholly-owned subsidiary, Appalachian Assistive Technology Loan Fund (AATLF)—which extends loans into Pennsylvania and Kentucky—is scheduled to spin off as a standalone federal CDFI on July 1, 2026, reflecting a deliberate strategic separation rather than contraction.

Name

Pennsylvania Assistive Technology Foundation

Legal name

Pennsylvania Assistive Technology Foundation

Website

https://patf.us

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

101–250 employees

Short description

PATF is a CDFI-certified nonprofit providing low-interest loans, information and assistance, and disability-tailored financial education to help Pennsylvanians with disabilities and older adults access assistive technology. It has cumulatively extended over $51M to 5,068 borrowers across 27 years.

Ownership category

akta.pro rank

Headquarters

HQ city

King Of Prussia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest Income: PATF extends loans for assistive technology and generates revenue through interest charged on loans. The organization is committed to keeping interest rates low to serve its mission of helping people with disabilities access funding for assistive technology.
2. Donations and Grants: PATF receives charitable donations and grant funding to support operations and expand loan programs. The organization has received grants from organizations including the Pennsylvania Developmental Disabilities Council and other foundations.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

Pennsylvania Assistive Technology Foundation (PATF) is a nonprofit Community Development Financial Institution (CDFI) that provides low-interest loans, information and assistance, and financial education to Pennsylvanians with disabilities and older adults to help them obtain assistive technology such as wheelchairs, hearing aids, communication devices, home modifications, and adapted vehicles.

Product overview

Pennsylvania Assistive Technology Foundation operates as a CDFI-certified financial services organization offering a coordinated suite of programs to help Pennsylvanians with disabilities obtain assistive technology. The core offerings include Financial Loans (low-interest loans for AT purchases), Information & Assistance services, and Financial Education programs. Key branded products include the Appalachian Assistive Technology Loan Fund (AATLF) subsidiary, Smart Homes Made Simple initiative, Community HealthChoices Toolkit, and the Money Talks Webinar Series. Educational publications include the Cents and Sensibility guidebook and StudyMoney.us website. The organization also hosts the annual Vision for the Future Conference and runs Project Beyond Diagnosis for individuals with newly acquired disabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Loans Low-interest loans for Pennsylvanians with disabilities and older adults to purchase assistive technology including wheelchairs, vehicles, hearing aids, home modifications, and communication devices.
• Information & Assistance One-on-one guidance helping individuals identify funding resources and navigate the process of obtaining assistive technology.
• Financial Education Educational programs and publications to help people with disabilities manage money effectively, including the Cents and Sensibility guidebook, Money Talks webinar series, and financial coaching.
• Appalachian Assistive Technology Loan Fund (AATLF) A subsidiary loan program providing access to assistive technology through loans to individuals with disabilities and older Pennsylvanians and Kentuckians.
• Smart Homes Made Simple A project helping individuals with disabilities and older adults implement smart home technology to increase independence, safety, and convenience in their homes.
• StudyMoney.us A free financial education website for people with disabilities offering interactive learning resources about money management.

Quantifiable outcome

• 99% of borrowers surveyed would work with PATF again
• +2 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Appalachian Assistive Technology Loan Fund (AATLF)coreStrategic or Co-development Partner · 1 June 2026AATLF is a subsidiary of PATF that provides access to assistive technology through loans to individuals with disabilities and older Pennsylvanians and Kentuckians. As of July 1, 2026, AATLF will transition to become a stand-alone nonprofit federal CDFI, no longer a subsidiary of PATF. AATLF recently hired its first Executive Director, Laura A. White-Brown.
• Pennsylvania TreasuryminorGTM or Marketing PartnerCo-host of Money Talks webinar series on financial empowerment for people with disabilities
• Pennsylvania Department of Banking and SecuritiesminorGTM or Marketing PartnerCo-host of Money Talks webinar series on financial empowerment for people with disabilities
• Opportunity Finance NetworkminorOthersNational membership organization for community development financial institutions (CDFIs) of which PATF is a member

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Easterseals: Easterseals is a national nonprofit disability services network offering assistive technology, employment, and independent-living programs. It is comparable to PATF in mission and core disability-services offering but operates at national scale with a much broader portfolio than PATF's AT financing focus.
• Apple (Accessibility): Apple's accessibility division builds AT features (VoiceOver, AssistiveTouch, hearing aid support) into mainstream consumer devices that increasingly substitute for dedicated AT. It is comparable as an indirect competitor shaping AT adoption and financing demand for PATF's loan products.
• Numotion: Numotion is the nation's largest complex rehabilitation technology (CRT) provider, financing and supplying wheelchairs, speech-generating devices, and home access equipment. It overlaps directly with PATF's AT lending customers but operates as a for-profit equipment supplier and financier rather than a nonprofit CDFI.
• The Arc of the United States: The Arc is a national disability advocacy and services organization supporting people with intellectual and developmental disabilities. It overlaps with PATF on AT information/assistance and family/caregiver audiences, though its primary focus is advocacy rather than AT financing.

Direct peers

• Maine CITE Program: Maine CITE is Maine's state assistive technology program providing device demonstration, lending, and training. While not a direct CDFI lender like PATF, it is a close state-level AT services peer operating similar information, training, and device-loan missions in a comparable statewide footprint.
• CareCredit: CareCredit is a Synchrony Financial-branded healthcare financing credit product widely accepted at AT and durable medical equipment retailers. It is a direct functional alternative to PATF's AT loans for Pennsylvanians who can qualify, competing for the same AT purchase-financing demand with faster point-of-sale underwriting.
• Grameen America: Grameen America is a nonprofit microfinance organization providing small-dollar loans to low-income women entrepreneurs. It is comparable to PATF in CDFI/mission-driven lending model and target underserved-borrower segment, but focuses on microenterprise rather than assistive technology.
• National Disability Institute: National Disability Institute is a national nonprofit focused on financial capability and economic stability for people with disabilities. It is closely comparable to PATF on financial education, ABLE accounts, and disability-focused lending advocacy, though at a national rather than state level.
• Self-Help Credit Union: Self-Help is one of the largest CDFI credit unions in the U.S., serving low-wealth and underserved borrowers with mission-driven consumer lending. It is structurally comparable to PATF as a CDFI lender but operates across multiple states and broader consumer credit categories rather than AT specialization.

Others

• Opportunity Finance Network: Opportunity Finance Network is the national membership association for CDFIs, of which PATF is a member. It is comparable as the ecosystem and trade body supporting PATF's CDFI operations, providing capital, advocacy, and peer benchmarking across mission-driven lenders.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/PennsylvaniaATF
• YouTubeyoutube.com/user/pennsylvaniaatf
• Facebookfacebook.com/Pennsylvania-Assistive-Technology-Foundation-PATF-116974502397
• LinkedInlinkedin.com/company/pennsylvaniaatf
• Instagraminstagram.com/pennsylvaniaatf
• Pinterestpinterest.com/pennsylvaniaatf

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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

Frequently asked questions about Pennsylvania Assistive Technology Foundation