For Businesses / Patient Financing
Specialties served- Dental and orthodontics
- Chiropractic
- Cosmetic and plastic surgery
- Med spa and dermatology
- Fertility
- Bariatric and elective surgery
- Vision and hearing
- Hair restoration and men's health
- Orthopedics and regenerative
- Veterinary
The doctor approved the treatment. The card declined the patient. That is the case you keep losing.
One medical card approves the patient who could have paid cash and turns away the one who needed help. We place patient financing for elective and cash-pay practices with lenders across the credit spectrum, so the second-tier patient gets a real look instead of a reflex decline, and the lender funds the practice. No upfront fees to the practice; the lender pays us, and we confirm it in writing before you sign anything.
Patients want the care. Practices need the payment. The single-card model fails both.
Most practices offer one medical credit card. It approves the prime patient who could have paid anyway and declines the one who needed help. The result is deferred care, a treatment plan that never converts, and a front desk that has stopped offering financing at all. The alternative is one application that runs through a waterfall of lenders, prime, near-prime and second-look, so the second-tier patient gets an answer instead of a decline, and the practice is funded by the lender once services begin.
Five facts, and we can tell you whether there is a fit.
Nothing here requires a financial statement. A lender will ask for more once there is interest; we will tell you what, and why, before you send it, and financial statements and other confidential packages go to the lender directly; we work from the summary.
- Specialty and number of locations
- Approximate monthly cash-pay revenue
- Average treatment ticket, and the range
- States in which you operate
- What you offer for financing today, and how it is performing
How we are paid.
The lender compensates us. We charge the practice no application, enrollment, processing or retainer fee, and we have not seen a lender charge one either; we work to keep it that way, but cannot promise it for every lender. If you ask whether the lender pays us, the answer is yes, and we confirm it in writing before any introduction is made. Consulting engagements are separate, fee-based, and agreed in writing before work begins.
Timeline, typically.
- Initial call and fit assessment
- Days in specialties where we have history; longer for unusual ones
- Mutual NDA; we go to work
- Week 1
- Lender introductions, information exchange and pricing
- Weeks 2 onward, on the lender's timeline
- Agreement with the lender, onboarding, launch
- Set with the lender once terms are agreed
Tell us what doesn't fit.
Inquiries are read by the firm's leadership, not a sales desk, and you get a plain answer: whether there is likely a lender for your practice, and roughly how long finding out should take.