Clearbalance Healthcare
“Can a patient financing platform become the full financial OS for healthcare revenue cycle management by bundling lending, open banking payments, and digital billing into one provider-facing ecosystem?”
ClearBalance Healthcare, operating as CSI Financial Services LLC, is a specialized patient financing platform that provides revolving lines of credit (interest-free or low-interest) to help patients manage out-of-pocket medical expenses. The company operates as a B2B2C model — selling into hospitals and health systems as a revenue cycle management tool — while underwriting and servicing patient loans through a network of partner banks (Pathward, Republic Bank & Trust, Columbia Bank, Western Alliance Bank, BOKF). In 2024, ClearBalance expanded its payment infrastructure by introducing Open Banking capabilities and launching the Doorstep™ digital billing product, moving beyond pure financing into a broader patient financial engagement ecosystem.