Patient financing that lets care start on time.
Elective and out-of-pocket treatment often waits on a lump sum. We build a patient financing program around your procedures and fees, patients get a same-day decision, and your practice is paid on the schedule you set.
$0 enrollment fee$0 monthly feePaid on your schedule
01 Why it works
The consultation room is the wrong place for a hard conversation about money.
Patients decide on elective and out-of-pocket care with their budget in mind. A monthly plan, explained by our team rather than your front desk, lets the treatment plan and the payment plan be settled in the same visit.
- Patients apply before, during, or after the consultationSo the treatment plan and the payment plan can be settled in the same visit.
- Same-day decisions, often instantPatients know where they stand before they book the procedure.
- We explain the terms, not your front deskOur team walks patients through the contract and helps choose a plan.
- Paid on your scheduleOnce the contract is complete, we fund your practice on the schedule you set.
02 Your program
A medical program, built for your business.
We don’t hand medical businesses a standard plan. We learn how you sell and build the program around it, then fund you on the schedule you set, with no enrollment or monthly fees.
- 01Procedures and fees covered
- Which treatments the program finances, from single procedures to full treatment plans.
- 02Ticket sizes
- Set around your fee schedule, whether that’s a hearing aid fitting or a full-mouth restoration.
- 03Terms and promotions
- Plan lengths and a promotional structure that suit how your patients pay, including whether a 180-day option fits.
- 04When patients apply
- Before the consultation, chairside, or after the treatment plan is presented.
- 05Your funding schedule
- Set by your practice. We fund on it once each contract is complete.
03 Your customer, protected
We keep every contract we fund.
We purchase the completed retail installment contract and service it ourselves for its whole life. We never sell the loan off to other companies, so your customer always deals with us, and never with a stranger who has no stake in your reputation.
- Customers pay us, not youNo in-house payment plans, statements, or reminder calls for your staff.
- Never sold to another companyThe team your customer met at signing is the team they pay until the last payment.
- We explain the termsWe walk each customer through the contract in plain language before they sign.
We are an extension of your business and custodian of your brand reputation.
04 Where it fits
What financing looks like in practice.
A few typical situations we build programs around.
Implants and restorative work
A treatment plan quoted as one total becomes a monthly figure the patient can plan around.
LASIK and refractive surgery
Elective procedures that insurance rarely covers, financed so patients don’t keep postponing.
Unplanned surgery
When a pet needs care now, owners can start treatment and pay over time.
05 Medical lines
Every medical line we finance.
26 business types and counting. Don’t see yours? Ask us; we review others case by case.
- Elective / medical proceduresOut-of-pocket and elective treatments that insurance often does not cover, so patients can start care and pay over time.
- Cosmetic & plastic surgerySurgical cosmetic work such as rhinoplasty, breast procedures, liposuction, lifts, and related operations.
- Medical aesthetics & med spaMed-spa and aesthetic treatments including injectables, lasers, skin rejuvenation, CoolSculpting, and similar services.
- CoolSculpting / body contouringA dedicated body-contouring line for practices that offer CoolSculpting and similar treatments.
- Hair replacementHair-replacement and hair-transplant treatment so patients are not limited to a lump-sum or credit-card payment.
- Tattoo removalTattoo-removal and related scar or tattoo laser work.
- DentalGeneral and specialty dental financing so patients can proceed with recommended treatment instead of delaying for cash.
- Orthodontics (braces & clear aligners)Braces and clear-aligner treatment at dental and orthodontic practices.
- Cosmetic dentistryCosmetic dental work such as veneers, implants, whitening, and bonding.
- Wisdom teeth removalWisdom-teeth extraction and related oral surgery.
- Vision / LASIKLASIK and other vision-correction care offered by LASIK centers and vision practices.
- Additional vision proceduresAdditional vision procedures such as cataract, refractive, glaucoma, and related surgical care.
- HearingHearing aids and related hearing-device purchases.
- ChiropracticPayment plans that make ongoing, often uninsured chiropractic treatment affordable over a set term.
- Physical therapyPhysical-therapy practices, grouped with chiropractic care as a requested healthcare line.
- DermatologyDermatology procedures and related skin-care treatment not covered in full by insurance.
- Weight loss / bariatricBariatric surgery and related weight-loss procedures.
- Veterinary & pet careVeterinary treatment and pet surgery so care can start immediately and be repaid over time.
- Medical mobility & equipmentMobility and durable medical equipment such as scooters, ramps, lift chairs, stairlifts, POCs, and CPAP machines.
- Clinical / general medicineA catch-all for clinical and general medical practices with patient out-of-pocket balances.
- Fertility, IVF & family buildingIVF, IUI, artificial insemination, donor eggs, surrogacy, egg freezing, fertility drugs, and private adoption.
- Men's wellnessMen's-health treatment such as hormone therapy, ED care, and related procedures.
- Spinal decompression
- Hernia repair
- Snoring / breathing surgerySnoring and breathing-related surgical treatment.
- Disease rehabilitation
Does financing replace a patient’s insurance?
No. Financing covers the out-of-pocket portion: elective procedures, deductibles, or treatment insurance doesn’t fully cover.
Can patients apply before their appointment?
Yes. Patients can apply before, during, or after the consultation, and the decision comes the same day.
Is veterinary care included?
Yes. Veterinary treatment and pet surgery are part of our medical program.
What about the 180-day option?
Patients who expect to pay sooner can choose the promotional option: if they pay in full within 180 days and meet the contract conditions, the interest they paid is rebated.
Other industries
Build a program for your medical business.
No enrollment fee, no monthly fee. Tell us how you sell and we’ll design the program around it.