Patient Account Financing
Here’s how it works
When a patient receives a bill from your health care facility, they can turn to UBT for a repayment plan. We’ll issue a loan in the amount of the bill to the patient. Your facility gets paid immediately, improving your cash flow, and your patient has a long-term loan with regular, fixed payments that they can manage.
![2-column-patient-account-financing Thumbnail](/sites/default/files/styles/column/public/image/2019-09/2-column-how-it-works.jpg?itok=DQFega_0)
The Provider Experience
Contact our team
![loomer-angie-headshot-square](/sites/default/files/styles/column/public/image/2022-12/Loomer-Angie-31-Edit-1x1.png?itok=2KEoZx89)
The Patient Experience
Peace of mind
Relax knowing you don’t have to pay your balance all at once.
Affordable monthly payments
Qualifying for the loan program is easy
No pre-payment penalties
Easy to apply
You don’t have to wade through a ton of paperwork to get started.
Simple online application
Documents can quickly be signed electronically
Many ways to pay
Make payments how it's most convenient for you.
Auto-deduction from your bank account
Online
By phone
Mail a check
Help is here
Our Customer Support Team is here for you seven days a week.
Call 1-800-297-2837
Online chat at ubt.com/help
Online & mobile banking
Frequently Asked Questions
What are the advantages to my patients?
A patient account financing program helps your patients in the following ways:
- Manageable monthly payments
- Patients able to add to their existing loan
- Every patient is treated with a high level of respect and integrity
What patient account financing reports are available to us?
On a monthly basis you will receive:
- Outstanding volume summary report
- Account-level information on new loans and repurchases sent daily
- Analysis on the YTD repurchases and delinquent accounts
How can a patient account financing program improve our cash flow?
There are several components that will save your staff time and effort:
- Immediate account resolution via ACH
- Decrease A/R days and bad debt
- Eliminate additional expense of collecting accounts in-house