Digitise and automate the full patient financing workflow — eliminating manual handoffs between clinical, administrative, and finance teams and reducing per-case processing costs.
60%
cost reduction
Complete identity verification, affordability assessment, and credit decisioning at the point of care — so financing is confirmed before the patient leaves the consultation.
15 min
loan approvals
Identify accounts with genuine repayment potential, apply intelligent outreach strategies, and recover outstanding healthcare finance balances more effectively across portfolio.
25%
improve recoveries
Integrated software for the complete healthcare finance journey
Patient-centred onboarding
Launch a branded patient financing experience that works seamlessly across clinic, mobile, and web. Give patients a straightforward way to apply for treatment finance, review payment plans, and verify identity at the point of care.
Built on KYC compliance, automated eligibility validation, and provider system integration.
Clinical origination
Make fast, accurate financing decisions tailored to treatment costs, procedure types, and patient affordability.
Use configurable underwriting rules, AI-assisted scoring, and healthcare-specific data integrations to build products with deferred start options, interest-free periods, and provider-level pricing.
Compassionate servicing
Manage repayment schedules, treatment milestones, and patient communications from a unified platform.
Maintain full visibility across your healthcare loan portfolio with real-time account tracking, automated reminders, and provider-facing reporting tools.
Sensitive collection
Recover overdue healthcare finance balances with AI-driven engagement, financial hardship detection, and flexible repayment solutions that prioritise patient dignity and long-term relationship preservation.
Online onboarding
Healthcare lending software built for point-of-care financing
Remove the financial barrier between patients and the care they need. Let providers offer instant financing options at the point of care — so treatment decisions are never delayed by affordability concerns or slow approval processes.
Increase conversions at the financing step
An embedded calculator lets patients model procedure costs, repayment plans, and monthly amounts before applying. Reducing financial uncertainty at this stage drives higher application starts and fewer abandoned inquiries.
Approve patients before they leave
Patients complete the entire application online — verifying identity, submitting required information, and signing the financing agreement digitally. Your healthcare lending software eliminates paperwork at the point of care and returns decisions fast enough to confirm treatment on the same visit.
Reduce defaults without burdening your staff
A dedicated portal gives borrowers visibility into their payment plan, outstanding balance, and upcoming due dates. Automated reminders keep repayment on track without placing the follow-up burden on your medical team.
Scale through clinic and provider networks
Onboard hospitals, dental clinics, and specialist practices as financing partners through dedicated portals. Each provider can offer your healthcare lending platform directly to patients at the point of care — growing your network without a direct sales team at every location.
Get your papers signed online
Say goodbye to the hassle of printing, scanning, and mailing
documents back and forth. Securely store and share medical financing information with a simple
and paperless interface. Leverage fully digital e-signature features and approval workflows.
Seamless application flow
HES analysts use pre-built form sets to help facilitate a smooth
step-by-step onboarding process. Patient lending software will simplify data gathering,
boost conversion rates, and ensure a personalized experience for borrowers.
KYC & AML
Our patient finance solutions include robust KYC (Know Your Customer)
and AML (Anti-Money Laundering) features to ensure compliance with regulatory requirements
and protect businesses from fraud.
The configurable workflows
Healthcare loan servicing
Medical loan software for lending management
Loan
Products
Feature-rich task management
Out-of-the-box patient financing software allows
for efficient and secure task management in every region or branch through granular user roles
and models. Harness our easy-to-use platform to keep track of all tasks, prioritize them, assign
them to team members, and set deadlines to ensure everything is completed on time.
Versatile product engine
HES patient financing platform comes with a flexible product engine that
enables easy configuration of loan products, fees, interest rates, and terms. Create and
offer personalized lending solutions while complying with any legislative changes.
Customizable user roles
Protect your healthcare financial information and reduce risks and data
breaches with HES medical loan servicing solution. Assign and manage user roles, granting
access only to the necessary features and functions.
HES is ISO 27001 certified and our Systems Development Life Cycle (SDLC) enables
the implementation of robust security measures. We ensure the highest level of
information security management and give you peace of mind so you can focus on what
really matters: growing your business.
HES healthcare finance software can be deployed on-premises or in the cloud,
providing flexibility and control over data. We utilize AWS, Azure, and Google Cloud
Platform for cloud-based services.
Cloud provider
Powerful backend tools
HES backend is built with the latest Java LTS and is anchored by a PostgreSQL
database. We utilize Terraform for infrastructure management and Camunda for
workflow automation, resulting in a robust backend versatile for any business
demands.
Java LTS stack
Uncover the potential of HES software with a free live demo tour