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Our Story

About AccessOne: Patient-Centered Medical Financing

Medical bills are the leading cause of bankruptcy in America. We built AccessOne to change that.

Our Mission

Healthcare Finance Reimagined

Millions of Americans avoid necessary medical care out of financial fear. Millions more emerge from hospital stays facing collections, credit damage, and financial devastation — not because they're irresponsible, but because the system is broken.

This program was created by patient financing experts who believed there had to be a better way. By working directly with hospitals — not as a consumer lender, but as a technology partner — we created a model that eliminates predatory medical credit.

Today, AccessOne serves over 200,000 patients at more than 500 hospitals across the United States, having helped finance over $2 billion in hospital bills — all at zero interest.

Our Values

What We Stand For

❤️
Patient First
Every decision is evaluated through one lens: does this help patients? Our revenue model aligns with patient welfare — we succeed only when patients successfully manage their hospital bills.
⚖️
Radical Transparency
No hidden fees, no fine print traps, no deferred interest surprises. Patients deserve to know exactly what they're agreeing to — in plain language, upfront.
🌍
Universal Access
Healthcare is a human necessity, not a privilege. AccessOne's 100% approval rate reflects our belief that financial assistance should be available to every patient — not just those with good credit.
200K+
Patients Served
500+
Hospital Partners
50
States Covered
15+ Yrs
Industry Experience

Our Commitment to Patients

Our relationship with the hospitals we serve is built on a shared commitment to patient financial wellness. We believe that a hospital's obligation to patients doesn't end when clinical care does — it extends to ensuring that the financial aftermath of that care doesn't create a second crisis. Our hospital partners share this view, which is why they choose to absorb the cost of offering AccessOne rather than passing interest charges to patients.

We also believe in radical transparency about how our program works. Unlike some patient financing products that obscure their true cost structure behind promotional language, Our terms are straightforward: zero interest, zero fees, and a monthly payment you choose. What you see is what you pay.

Looking ahead, We are committed to expanding our hospital network so that more patients across the country can access these benefits. If your hospital doesn't yet offer AccessOne, encourage your patient financial services department to explore a partnership — or contact our hospital partnerships team directly at [email protected].

Our Journey

From Idea to 200,000+ Patients Helped

2010
Founded in Charlotte, NC

Started by healthcare finance professionals who saw firsthand how medical billing was failing patients — and set out to build something genuinely different.

2014
100 Hospital Partners

Crossed 100 hospital partnerships as health systems across the Southeast recognized the program's impact on patient financial satisfaction and revenue cycle performance.

2018
Nationwide Expansion — All 50 States

Expanded to a truly national footprint, serving patients from Alaska to Florida. Crossed $500 million in hospital bills financed at zero interest to patients.

2022
$1 Billion Milestone

Crossed $1 billion in hospital bills financed — all at zero interest. Recognized by Modern Healthcare as a top patient financial experience innovator.

2026
200,000+ Patients · $2B+ Financed · 500+ Hospitals

Today, we're the largest hospital-integrated patient financing platform in the United States — and still growing, with new hospital partnerships added every month.

Our Expertise

Why Hospitals Trust Us

🏥
Revenue Cycle Expertise

Our team includes former hospital CFOs, revenue cycle directors, and billing specialists who understand the operational realities of healthcare finance from the inside.

⚖️
Regulatory Compliance

Full HIPAA certification, regular third-party security audits, and compliance with all applicable state and federal patient billing and consumer protection regulations.

📊
Proven Patient Outcomes

4.9/5 patient satisfaction rating from 12,000+ verified reviews. Hospitals report measurably higher patient financial satisfaction scores after implementing our program.

Ready to Take Control of Your Hospital Bill?

Join 200,000+ Americans who've used AccessOne — 0% interest, no credit check, instant approval.

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