The Clear Choice for Patient Financing.

Let’s be real: patients and providers need more than a bank loan.

They need a partner who understands their unique needs. They need empathy and financial results. They need a patient financing expert.

AccessOne vs Regional Banks

If you're already working with a bank or just starting to explore your options, here's what you won’t see on a rate sheet:

That's where AccessOne shines.

Patient engagement

Automation for your staff

Payment performance

Support that actually makes you and your patients' lives easier

Patient engagement

Automation for your staff

Payment performance

Support that actually makes your and your patient’s lives easier

What AccessOne Offers Health Systems and Patients (That Regional Banks Don't)

1.

Built for Healthcare, Not Just for Lending

The patient financial experience is different than buying a car. We know healthcare. That means we understand revenue cycle needs—compliance complexity, charity care coordination, and the need for seamless EHR integration. Our platform is designed for providers and built around the entire patient journey, not just the payment schedule.

2.

Flexible Terms = More Patients Helped

No SSNs are required. No one turned away. We approve 100% of patients and offer personalized plans based on each person’s ability to pay. It’s how we maximize engagement and cash flow without adding complexity to your team’s day.

3.

Technology Built for Healthcare, Not Just for Lending

Our Epic integrations enables 30% of patients to automate the enrollment and activation process through MyChart, text messaging, and even Hyperspace within a day of eligibility.

4.

Reporting You’ll Actually Use

We deliver performance insights and repayment data in real time, so your team knows what’s working and where to optimize. With banking, you might get a report. With AccessOne, you get answers.

By the Numbers: What Happens When You Choose Us

97%

of patients who enroll in our 0% interest plan option pay in full

80%

overall net yield on patient payment plans

5-7%

managed recourse with our proprietary Predictable Funding Model

"As patients’ out-of-pocket costs increase, it was important to find a resolution that helped us manage their costs while not financially burdening our organization. AccessOne met that need perfectly! Our staff can now focus on other areas and our patients can make reasonable monthly payments."

Steve Early, Director of Central Operations

How We Compare

Regional Bank

AccessOne

Created by

Bankers

Providers

Call Center Staff

Bank collectors

U.S.-based compassionate patient advocates

Inclusion

Limited approval—SSN required

100% approval, no SSN required

Patient Tools

App or online payments

Epic integrations, text activation, patient portal, consolidated billing for families, 24/7 support

Reporting

Basic statements

Actionable performance insights

Expertise

Limited focus on healthcare compliance

Deep understanding of patient data complexities

Provider Service Fees

Low double digits to high teens (%)

High single digits to low double digits (%)

Program Flexibility

Limited payment options, increasing the risk of bad debt

Multiple payment options available, keeping patients engaged and out of bad debt

A $12B NPR health system located in the Southeast drives significant results with the AccessOne Patient Financing platform

90%

patient adoption rate across the AccessOne program

$171M

in annual cash acceleration and payment collections

4.4%

recourse rate on funded payment plans with strategic cash acceleration mode

30%

of referrals are through the AccessOne self-service MyChart Extension

Ready to See the Difference?

If you’re curious about how AccessOne could fit into your revenue cycle strategy, or just want a second opinion, we’d love to connect.

Let's Talk

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