Curae
“Can a non-recourse patient-financing program owned by a consumer-lending parent (Atlanticus) become the financial-access OS for hospital revenue cycles?”
Founded2016
HQAtlanta, Georgia, United States
IndustryVertical SaaS / Healthcare
The story
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.
Product timeline
2019
Partnership with Banner Health to provide non-recourse patient financing.· lending
2019
Strategic partnership with HealthPay24 for embedded patient financing.· lending
2020
RevSpring PersonaPay integration to offer non-recourse financing within RevSpring's portal.· lending
2021
Listed on Epic App Orchard marketplace.· lending
2024
Launched Patient Financial Access Platform at HFMA conference.· pivot
The stack
7 layers disclosed in Curae’s embedded-finance stack
Payments / PSP
Curae Comprehensive Payments (self-operated)
Money movement
in the full report
Banking / BaaS
in the full report
Card issuing
in the full report
Lending
in the full report
Sponsor bank
in the full report
Accounting
in the full report
Accounting gap: none
11 more providers across 6 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.