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Easy Integration

Launch in as few as 5 business days, no software or equipment purchase

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Low Practice Fees

Affordable discount fees, no start-up or annual practice fees

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Paperless Loan Process

60-second pre-qualification and instant loan decisions

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Industry Leading Approvals

Accessible and budget-friendly loan options

Enrollment to Launch in a Week 1

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Funding in a Flash

Our end-to-end paperless process is built for speed. Funds are released on the patient treatment date.

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Personalized Loan Options

We provide affordable installment loans, Interest Promotion2 promotional offers and optional loan offerings for patients with challenged credit histories.

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Customized Portal Access

Log into our online portal to submit applications, calculate loan payments and track loan volume. Set unique access settings to suit individual employee roles.

Empower your patients to say yes to quality-of-life care with easy, personalized financing solutions.

Making Big-Ticket Procedures Affordable

Installment loans offer patients affordable interest rates and easy-to-manage, fixed monthly payments. And with extended term options, big-ticket procedures are not only accessible but also budget-friendly.

$7,500 Installment Loan Example 3

  • HCS

    • $143/month

    • 72 months

    • @10.99%

  • Leading Competitor

    • $186/month

    • 60 months

    • @16.9%


Log In

Use your individual portal login credentials to easily track loan volume. Set unique access settings to suit employee roles.


Call 800.427.9184

Have your questions answered by our knowledgeable Provider Support team.

8 a.m – 8 p.m. EST

Monday – Friday



Have questions? Check out our FAQs to learn more.

2018 FINSIDERS Change Champion
©2017 All Rights Reserved
HCS loans are unsecured personal loans originated by Cross River Bank, member FDIC, Quorum Federal Credit Union, member NCUA, or MetaBank, member FDIC.


1 Timing dependent on provider availability for training and complete, correct application information.
2 If an Interest Promotion offer is selected, minimum monthly payments are required during the promotional period. If loan is paid off before the end of the promotional period, no interest will be charged. If two consecutive monthly payments are not made by the due date the Interest Promotion feature will become null and void. If you do not pay off the loan during the promotional period, you will have up to 24 months to repay, and will incur the above referenced APR over the full term of the loan.
3 Annual Percentage Rate (APR) ranges from 8.99% to 29.99%. Terms range from 12 months to 84 months, depending on the product selected. APR is determined based on the applicant’s credit score, loan amount, loan term, and credit usage and history at the time of application. To qualify, a borrower must be a U.S. Citizen or permanent resident in an eligible state, be at least 18 years of age, and meet the applicable underwriting requirements. HCS reserves the right to modify or discontinue products and benefits at any time without notice. All payment plans may not be available at all providers. Please consult your provider for availability and applicable rates.
*Subject to certain conditions and may be limited by funding time frames and cut-off times. Funds are typically released to your bank account on the scheduled Treatment Date for services in connection with the loan. If the scheduled Treatment Date is a weekend or holiday, funds will be released to your bank account on the business day following the scheduled Treatment Date. Receipt of completed application and documentation must be received prior to the applicable cut-off times on the scheduled Funding Date.