Patient financing
Patient financing that gets treatment plans accepted.
When insurance doesn't cover a procedure, cost decides whether a patient goes ahead. Present an affordable monthly payment alongside the treatment plan, and give every patient a path to yes, whatever their credit.
Application · Example
Dental implant treatment- ApplicantCredit score 6551 application
- Waterfall17 BNPL & consumer lenders, then Everyone Is ApprovedApproved
- Term24 months · 14.99%Example
Illustration. Real offers depend on the lender or program and the application.
The problem
Why patients delay care.
Out-of-pocket sticker shock
Elective, cosmetic and partially covered treatments often cost thousands. Patients who need care postpone it.
Declined at one lender
If your single patient-financing partner declines, the patient leaves without scheduling.
Your staff becomes the billing office
In-house payment plans mean your front desk tracks balances and makes collection calls.
How patient financing works
One application. Every lender. Every applicant.
Present with the treatment plan
Share the application chairside, by text or with the treatment estimate.
The waterfall runs
Prime, near-prime and second-look lenders review the application, then Everyone Is Approved programs and your LMPP plans.
Schedule the procedure
The patient chooses a payment and e-signs. You're paid upfront by the lender, or weekly through LMPP.
17 BNPL & consumer lenders
Prime, near-prime and second-look lenders, checked in order.
Everyone Is Approved programs
Catch applicants the lenders above decline.
Your own payment plans (LMPP)
Your terms and rates, anywhere in the waterfall.
Lender Managed Payment Plan
In-house patient payment plans, without the billing work
LMPP lets your practice offer its own patient payment plans, including 0% and same-as-cash promotions. You choose terms and rates by credit tier, Client Financing handles agreements, billing and collections, and patients manage their plan in their own portal.
No merchant fee. Client Financing keeps 10% of what's collected.
Built for
Who we work with
- Dental and orthodontic practices
- Cosmetic and plastic surgery
- Med spas and aesthetics
- Vision and LASIK
- Hearing care
- Chiropractic, wellness and elective care
FAQ
Medical Services financing questions
What is patient financing?
Patient financing lets patients pay for treatment in monthly installments instead of one upfront payment. Your practice offers it through an application the patient completes in minutes.
Can patients with bad credit get financing?
Yes. The application moves down the waterfall to second-look lenders and Everyone Is Approved programs, so patients with challenged credit can still receive an offer.
Can we offer 0% patient financing?
Yes. On LMPP you can offer 0% plans and same-as-cash promotions. Lender-funded offers have their own rates and terms.
Do patients have to call our office about payments?
No. Patients check balances, pay off early and reschedule a payment in their own online portal.
Other industries
Get started
Offer financing your customers can say yes to.
Takes about a minute. A real person on our team will call you within one business day.
- 17 BNPL & consumer lenders, plus Everyone Is Approved programs
- Optional LMPP plans you control
- No long-term contract, no minimum volume
Received
You're on the list.
Someone from our team will call you within one business day. Keep an eye out for a call or text from Client Financing.