“Can a non-recourse patient-financing program owned by a consumer-lending parent (Atlanticus) become the financial-access OS for hospital revenue cycles?”
Curae Finance, LLC is a subsidiary of Atlanticus Holdings Corp. and was founded in 2016 in Atlanta to provide non-recourse, 0% interest patient financing for healthcare providers. The Curae card and lines of credit are issued by The Bank of Missouri (TBOM), with Atlanticus Services Corporation as servicer. In 2024 Curae broadened beyond pure financing into a 'Patient Financial Access Platform' that combines lending, Medicaid/ACA enrollment assistance, and philanthropic aid — repositioning from a lender to a healthcare revenue-cycle financial-care platform.
Curae discloses The Bank of Missouri (sponsor) as its banking provider, with The Bank of Missouri as its sponsor bank, according to the Embedded Finance Index 2026.
Curae does not disclose a bank charter of its own; its banking services are provided through The Bank of Missouri.
Curae processes payments through Curae Comprehensive Payments (self-operated). Disclosed money-movement rails: ACH.
Curae's cards are issued through The Bank of Missouri (issuer).
Curae integrates with Epic (App Orchard), RevSpring PersonaPay and HealthPay24.
The Embedded Finance Index 2026 maps 7 layers in Curae's stack: Payments / PSP (Curae Comprehensive Payments (self-operated)); Money movement (ACH); Banking / BaaS (The Bank of Missouri (sponsor)); Card issuing (The Bank of Missouri (issuer)); Lending (Curae line of credit ($2,000–$10,000 revolving, healthcare-specific), 0% interest non-recourse patient financing (funded to provider via ACH within 24-48 hours), Curae card (issued by The Bank of Missouri) and Deferred Interest Plan); Sponsor bank (The Bank of Missouri); Accounting (Epic (App Orchard), RevSpring PersonaPay and HealthPay24).
Curae is founded in 2016 and headquartered in Atlanta, Georgia, United States.
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