---
title: Providers show strong interest in embedded financial services
description: Healthcare providers are signaling they want payment processing and the broader universe of embedded finance built directly into their practice software.
image: https://finmedpartners.com/hubfs/Instinct%20Pay.png
---

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# Providers show strong interest in embedded financial services

![](https://finmedpartners.com/hubfs/Instinct%20Pay.png)

![ Henri Cattier, Partner](https://finmedpartners.com/hubfs/henri-cattier.jpeg)

[Henri Cattier, Partner](https://finmedpartners.com/blog/author/henri-cattier-partner)

 June 23, 2026

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The healthcare payments landscape is evolving. In addition to [surcharging](https://finmedpartners.com/blog/the-acceleration-of-surcharging-a-new-reality-for-healthcare-payments), which we covered in a recent [post](https://finmedpartners.com/blog/the-acceleration-of-surcharging-a-new-reality-for-healthcare-payments), healthcare providers are signaling they want payment processing – and the broader universe of embedded finance – built directly into the software they rely on every day. Findings from the **2026 ProviderPay study**completed by **FinMed Partners** in partnership with **Adyen** reveals broad demand for embedded payments and related financial services such as lending and working capital lines of credit. We found that practices are also willing to pay for them.

Highlighting the extent to which current payment approaches are not delivering enough value for providers, nearly every single practice we polled said they would pay more for a payment solution that delivers better integration, faster payouts and improved patient payment options. 41% said they would pay an extra 7% or more.

Among practices that have already moved to an embedded model, 79% report being “very satisfied” with their current provider (highest score), versus 62% in integrated and standalone models. Providers with an embedded model also spend meaningfully less time on payments-related admin work while collecting more at the point of care.

Healthcare Provider Interest in Embedded Lending

% answering "extremely" or "very" interested

![Embedded Lending 2026-2](https://finmedpartners.com/hs-fs/hubfs/Embedded%20Lending%202026-2.png?width=685&height=422&name=Embedded%20Lending%202026-2.png)

Source: FinMed Partners & Adyen 2026 ProviderPay Study. Q22: How interested would your Practice be in accessing business lending and working capital services from your EMR/ Practice Management software or payment vendor? (n=199)

Another less obvious and potentially bigger opportunity sits outside patient payments. 76% of medical practices and 58% of dental and vet practices said they are extremely or very interested in accessing business lending and working capital directly through their EMR or practice management software. Lines of credit and working capital loans ranked as the #1 most valuable financial service in every market segment, with the gap to the next most valuable financial service widest in dental (tie between equipment financing and patient refunds) and vet (tie between practice expansion financing and supplier payment methods).

**What's next**

For ISVs and healthcare technology firms, providers sent us a clear message. Embedded payments is coming, and it is the on-ramp for embedded lending, working capital, patient financing, and other practice financial services. The platforms that move now have an early start in meeting what is emerging as a critical and clearly defined need for independent practices.

FinMed Partners is hosting the inaugural Healthcare Fintech Forum in Nashville from November 9-11, 2026. Sponsors include Adyen, Zelis, HealthEquity, and Wellesley Hills Financial. Write to us [here](mailto:hff@finmedpartners.com) to inquire about sponsorship or other ways to participate in this invitation-only event. We are excited to be kicking off this annual event series, which is filling a much needed gap in healthcare banking and payments!

TAGS [#Patient Payments/ Engagement](https://finmedpartners.com/blog/tag/patient-payments-engagement) [#Payment Infrastructure/ Platform](https://finmedpartners.com/blog/tag/payment-infrastructure-platform) [#Healthcare Provider](https://finmedpartners.com/blog/tag/healthcare-provider) [#Payment Trends](https://finmedpartners.com/blog/tag/payment-trends)

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### [CEO Chat: Boost Payment Solutions](https://finmedpartners.com/blog/ceo-chat-boost-payment-solutions)

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[Dean M. Leavitt, Founder & CEO](https://finmedpartners.com/blog/author/dean-m-leavitt-founder-ceo)

 Boost was founded to address inefficiencies in B2B payments where legacy methods create friction, delay and unnecessary cost.

[![](https://finmedpartners.com/hs-fs/hubfs/Pharmacist%20giving%20credit%20card%20to%20costumer%20at%20pharmacy.jpeg?width=352&name=Pharmacist%20giving%20credit%20card%20to%20costumer%20at%20pharmacy.jpeg)](https://finmedpartners.com/blog/the-acceleration-of-surcharging-a-new-reality-for-healthcare-payments)

### [The Acceleration of Surcharging: A New Reality for Healthcare Payments](https://finmedpartners.com/blog/the-acceleration-of-surcharging-a-new-reality-for-healthcare-payments)

![David Stievater, Partner](https://finmedpartners.com/hubfs/David%20S%20-%20Sep%202023.jpeg)

[David Stievater, Partner](https://finmedpartners.com/blog/author/david-stievater-partner)

 Surcharging is accelerating. J.D. Power finds 35% of U.S. small businesses now surcharge credit cards. Healthcare is moving faster.

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[Blake Walker, Co-Founder, CEO](https://finmedpartners.com/blog/author/blake-walker-co-founder-ceo)

 We founded Inbox Health to approach patient billing as a communication platform rather than just a payment problem.

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