About Us

Upwards of 95% of applicants accepted*


Between 2005 – 2015, covered average out-of-pocket healthcare costs grew 66%.

Medical providers are increasingly experiencing collection difficulties + patients are encountering inflated financial responsibility for their healthcare.

Care Cap Plus enables providers the ability to bridge the increasing gap between patient out-of-pocket expenses + available payment options. We are problem solvers. Decades of medical billing, collections + niche funding experience give us unique medical finance expertise.

Care Cap Plus facilitates “no fine print,” zero interest, + zero fee payment plans for providers, allowing patients to pay for elective or other procedures not covered by insurance without taking on a loan from a third-party. Care Cap Plus payment plans allow partner providers to accept patients with subprime credit.

Care Cap Plus enables partner providers to afford their patients payment plans that are designed to be more attainable + affordable than alternative funding sources.


The Care Cap Plus suite of technology solutions is on the cutting edge of FinTech, with deep integrations into many of the industry’s leading apps. Care Cap Plus point of service + mobile applications enable instant decision making for providers + seamless payment processing for patients.

Informed Decisioning

Care Cap Plus contracts with providers to create a custom payment plan for provider’s patients who choose to enroll. Care Cap Plus’s instant decisioning engine offers flexibility based upon each partner provider’s enrollment guidelines + upfront cash needs. Adaptive score cards are designed to fit each providers 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 + secure API integration to applicant bank accounts are used to securely verify identity, protect against fraudulent transactions + instantly qualify an applicant’s ability to make timely + complete payments.

Powerful Analytics

Our automated credit decisioning solution allows providers to design + implement data driven payment plan strategies + scale to accommodate increases in volume + growth. By including bank account verification + average balance checks in your decisioning tool, Care Cap Plus can offer providers the ability to accept subprime credit resulting in more approved + 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 + storage of all protected health information we receive.

Application Integration

Care Cap Plus’s seamless + transparent application eliminates redundancy, allowing for instant decisioning + payment plan processing when your patients need it most. Our technology suite is a robust + efficient solution, integrating payment plan details + account information with contract + payment transaction modules. Once enrolled in a payment plan, accepted patients have several convenient payment options, increasing collections + decreasing outstanding debt for our partner providers.