Self-Pay patients represent over 42 million Americans, and a significant drain on physician's capital resources. Our credit facility increases patient access to healthcare and improves reimbursements to physicians who offer our in house financing to those self-pay patients. This program is equally beneficial to uninsured patients as well as the insured patient, whose insurance company has paid its portion, leaving the patient to finance their percentage of the balance. Put quite simply our programs cover anything that would be considered as patient responsibility.