Epic River

A provider & patient payment solution where everyone wins

Our Solution

Epic River turns the traditional lending model on its head for healthcare providers, patients and financial institutions alike. Unlike typical loans where lenders benefit from high interest rates and borrower penalties, the Epic River model is designed to benefit all parties when a patient successfully pays off their medical bills, rather than the other way around. Epic River partners with trusted local banks and credit unions to fund fair, affordable patient medical loans. 

All loans are:

  • 100% approved—regardless of a patient’s credit history
  • Flexible—patients choose their monthly payment amount and loan duration
  • Guaranteed by participating healthcare providers

Everyone Benefits

Healthcare Providers

  • Receive payment in full, up-front
  • Recoup payment for 95% of patient services rendered (up from an average of 45%)
  • Protect the finacial health of their patients

Financial Institutions

  • New high-quality, low-risk loan opportunity generates additional revenue
  • Financial support benefits the community at large by safeguarding the financial well-being of providers and patients
  • The Epic River Patient Lending platform utilizes LaserPro® loan documentation to bring Finastra's 35 years of lending and regulatory compliance experience, at no cost to you
  • Improved CRA standing


  • Get needed care without compromising their financial well-being
  • Success paying off their medical debt on their terms
  • Regain faith in the system

How Epic River Measures-up

Payment Options Payment Terms Fees/Penalties Interest Rate Credit Approval Interest Cost for $4000 w/ average monthly payment of $100
Epic River Simple Interest None 10% Fixed Guaranteed $870
Credit Card
Compounding Daily •Confusing promotional periods
•Interest in arrears
•Impact on credit score
26.2% Variable 8 out of 10 applicants are denied $9,496
Medical Personal Loan Simple Interest (prepayment penalties) •Hidden finance cost in application and document fees
•Often monthly statement fees Impact on credit score
21.8% Variable 7 out of 10 applicants are denied $3,200