Quick and Convenient Patient Loan Financing

Commerce Bank’s Health Services Financing (HSF®) program acts as a complement or alternative to traditional medical billing programs. It is a seamless, highly-customizable patient finance program we tailor to fit you and your revenue cycle just right.

Your patients and families expect a positive financial experience, and HSF® helps deliver. By offering a line of credit to patients, you can present a manageable solution to them at any point in your revenue cycle.

A Commerce Bank HSF® account reassures patients with a simple enrollment process, affordable payment structure and convenient way to pay their balance over time at a 0% (interest free) or reasonable rate1, while your organization can benefit from improved margins and cash flow.

Watch how Health Services Financing (HSF)®, a patient financing program designed specifically for healthcare providers, can get you out of the business of banking and provide your patients with peace of mind. Read the video transcript[PDF 2].

How It Works

You can begin patient enrollment with just a verbal agreement.
Health Services Financing patient enrollment process

Improve Cash Flow and Reduce Costs

  • Upfront funding for outstanding patient balances
  • Multiple rates and term options, including 0%1
  • Servicer fee refund for defaulted account balances
  • Decrease account delinquencies
  • Enhance patient loyalty
  • Web-based enrollment, file upload and reporting
  • Customized patient marketing

Stress-Free Transactions for Your Patients

  • Up to a $50,000 line of credit
  • No credit check required
  • Simple enrollment process
  • One affordable monthly payment
  • Finance multiple transactions on one line of credit for the same provider
  • No paperwork required to enroll
  • Repayment terms up to 7 years

Service You Can Count On

  • A Seamless Experience

    Many other revenue cycle management companies provide technical functionality but rely on another organization for financing. Commerce Bank's Health Services Financing provides both solution technology and financing, giving you a complete, more affordable solution.

  • Comprehensive Support

    Commerce employs in-house customer support teams dedicated to serving your organization and your patients. HSF® account managers regularly communicate helpful benchmarking and best practice recommendations. From implementation and training, to ongoing support and strategic planning, we'll help maintain and grow your HSF® program.

Interested in learning more?

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It's our responsibility to hire the best bank for the job. Period. The fact that we choose Commerce so often is a testament to their across-the-board excellence."


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  1. Program Rate Options In addition to multiple low rate program options, Commerce offers tiered options based on dollar amount. The term is automatically assigned based on the financially responsible party’s balance due.

    Interest Rates
    • Prime, Variable
    • Prime + 1%, Variable
    • Prime + 2%, Variable
    • Prime + 4%, Variable
    • 0%

    • 12 Months
    • 24 Months
    • 36 Months
    • 60 Months
    • 84 Months

  2. To view or print a PDF file, Adobe® Reader® 9.5 or above is recommended. Download the latest version.