About Us


Let’s face it, health care is expensive – very expensive. For millions of consumers, paying for medical expenses is stressful and burdensome, even with insurance. While many consumers turn to medical credit cards or loans to help finance their health care expenses, these often predatory payment options can lead consumers into mounting debt and aggressive collections. And consumers who are capable of paying over time for medical expenses but are denied a medical credit card or loan due to poor credit, often forgo medical procedures altogether.

That’s why we created Care Cap Plus - to offer service providers a socially responsible and compassionate financing option that doesn’t rely solely on a patient’s credit score to qualify for the care they need and want. After decades of working on Wall Street and in the financial services industry, we wanted to use our financial experience to innovate a new financing option that allows consumers to pay for services over a time, without incurring interest and fees. Using the power of technology coupled with our strong belief in providing superior customer service, Care Cap Plus zero-interest, zero-fees financing option is designed to make health care more attainable and affordable for more patients than alternative financing options you may currently offer.


James Giordano, Co-Founder and CEO
Betsy Giordano, Co-Founder and COO

piranha fish

Blog Post

Care Cap Plus vs. Traditional Credit Cards: Consumer Driven FinTech Solution Stands Out in a Sea of Predatory Payment Options

piranha fish

Blog Post

Care Cap Plus vs. Traditional Credit Cards: Consumer Driven FinTech Solution Stands Out in a Sea of Predatory Payment Options

On the Cutting-Edge of Fintech

With deep integrations into many of the industry’s leading apps, Care Cap Plus’ point of service and mobile applications enable instant decision making for providers and seamless payment processing for patients.


Informed Decisioning

Care Cap Plus contracts with providers to create a custom payment plan for providers’ patients who choose to enroll. Our instant decisioning engine offers flexibility based ...

upon each partner provider’s enrollment guidelines and upfront cash needs. Adaptive score cards are designed to fit each provider's acceptable risk exposure. Direct connections to credit bureaus, allow real-time, soft credit checks for each patient applicant, with zero effect on their credit score. Proven and secure API integration to applicant bank accounts are used to securely verify identity, protect against fraudulent transactions and instantly qualify an applicant’s ability to make timely and complete payments.


Powerful Analytics

Our automated credit decisioning solution allows providers to design and implement data-driven payment plan strategies and scale to accommodate increases in volume ...

and growth. By including bank account verification and average balance checks in your decisioning tool, Care Cap Plus can offer providers the ability to accept subprime credit resulting in more approved and accepted patient applications.


HIPAA & Regulatory Compliance

Care Cap Plus is a Business Associate of each enrolled medical provider. While nobody can ever completely guarantee the security of information stored electronically or ...

otherwise, our cloud-based platform uses only HIPAA-compliant encryption technology for the transmission and storage of all protected health information we receive.



Care Cap Plus’s seamless and transparent application eliminates redundancy, allowing for instant decisioning and payment plan processing when your patients need it ...

most. Our technology suite is a robust and efficient solution, integrating payment plan details and account information with contract and payment transaction modules. Once enrolled in a payment plan, accepted patients have several convenient payment options, increasing collections and decreasing outstanding debt for our partner providers.

Start Growing Your Practice Today

Add Care Cap Plus to Your Patient Financing Options
Call: 1 800 264 2274