A Win-Win for Providers and Patients.

Health Services Financing

Quick and Convenient Patient Loan Financing

Commerce Bank offers the healthcare provider resources you need for financial success in today’s rapidly changing healthcare environment. Our personal service and cutting-edge products and technology deliver value and increase efficiency in your revenue cycle.

Commerce Bank’s Health Services Financing (HSF®) program acts as a complement or alternative to traditional medical billing programs. Featuring a line of credit, providers may present this seamless, highly customizable solution to patients and families, at any point in the revenue cycle.

A Commerce Bank HSF® account reassures patients with a simple enrollment process and easy payment structure. Providers can improve cash flow while offering patients a convenient, manageable way to pay their balance over time at a 0% (interest free) or reasonable rate.*

How It Works

You can begin enrollment with just a verbal agreement.

How Health Services Financing works



Upfront funding for outstanding patient balances Up to a $50,000 line of credit
Multiple rates and term options, including 0%* No credit check required
Guaranteed fee refund for defaulted account balances Simple enrollment process
Decrease account delinquencies One affordable monthly payment
Enhance patient loyalty Finance multiple transactions on one line of credit for the same provider
Web-based enrollment, file upload and reporting No paperwork required to enroll
Customized patient marketing Repayment terms up to 7 years

Let’s Get Started

Set up a consultation to see how we can help your organization meet its goals.

Contact Commerce Bank
Or, download our brochure

Service You Can Count On

Seamless banking experience

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 banking support

Comprehensive Support

Commerce employs two in-house customer support teams dedicated to serving providers and patients. HSF® Account Managers regularly communicate benchmarking and best practices. From implementation and training, to ongoing support and strategic planning, we’ll help maintain and grow your HSF® program.

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. - Mercy
From left: Steven Walden, manager, treasury operations; Brian Day, vice president and deputy treasurer; Anthony Waskiewicz, Jr., chief investment officer; Bruce Fernandez, director, treasury services; and Shannon Sock, executive vice president, strategy and chief financial officer.

Proven Results

1-2 day increase in cash on hand
1-2 day increase
in cash on hand
1-2 day decrease in accounts receivable days
1-2 day decrease in
Accounts Receivable days
partnered with more than 120 hospital locations
Partnered with more than
120 hospital locations
basic point increase in operating margin
Basis point increase
in operating margin

Looking to further enhance your revenue cycle?

Explore Commerce Bank Healthcare Solutions


  • 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

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