← Embedded Finance Index 2026

HFD

Can a near-universal-approval patient financing platform become the default embedded lending layer for dental and healthcare providers?

Founded2009
HQBakersfield, CA 93301, USA
Latest roundPE Growth
IndustryFintech / Lending
The story

Healthcare Finance Direct (HFD) launched in 2009 as a patient financing platform targeting dental, orthodontic, veterinary, audiology, vision, and cosmetics providers. The company differentiates on near-universal approval rates (99%+), positioning financing as a care enabler rather than a credit filter. HFD has scaled through vertical healthcare partnerships—most notably becoming the Preferred Financing Partner of Invisalign—and is backed by private equity following an acquisition/merger event.

Last 12 months
2025-12
Product timeline
2009
Healthcare Finance Direct founded as a fintech platform enabling healthcare providers to offer pay-over-time financing to patients regardless of credit.· lending
2025
Named Preferred Financing Partner of Invisalign, offering exclusive pricing for certified providers.· lending
The stack
3 layers disclosed in HFD’s embedded-finance stack
Banking / BaaS
Hatch Bank
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: none
9 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.