Capital meets demand.
Elle Finance connects institutional lending partners with high-quality, healthcare-backed consumer receivables across Canada and the United States. Every loan is bank-verified. Every clinic is vetted. Every application is scored.
Every application is scored using our Patient Payment Capacity Score (PPCS) — a proprietary model built on real-time bank data from Plaid. Income, debt, balances, and 24 months of transaction history verified before a pre-qualification result is issued.
Every loan is tied to a verified medical procedure at a bank-verified clinic. Patients maintain their credit line in good standing to preserve access across the full Elle Finance clinic network — a built-in repayment incentive.
Lending partners get real-time access to origination data, PPCS score distributions, payment performance, and delinquency tracking via the Elle Finance dashboard and API. No black boxes.
How it works
We'll walk you through our compliance data room, underwriting methodology, and proposed terms. Most conversations move from first meeting to signed agreement in 2–4 weeks.
Start with a defined capital commitment. Elle Finance deploys it across our active clinic network and reports back monthly on originations, PPCS distribution, and portfolio performance.
Once the pilot cohort performs, expand your facility. Our API gives your team direct portfolio visibility — no manual reporting reconciliation needed.
Interested in deploying capital into healthcare receivables?
We are currently onboarding our first institutional lending partners. If you are a bank, credit union, or alternative lender looking for high-quality consumer paper with a clear social mission, we want to talk.
Elle Finance is a technology platform, not a lender. All loans are originated and held by licensed third-party lending partners. Lending partner inquiries: team@elle-finance.com