Near 100% patient approvals

Turn more consultations into paying patients.

One soft-pull application. Multiple lenders. Approvals from $300 to $25,000 — you get funded in 3–7 business days.

Talk to a specialist
98.4%Approval rate
3–7 daysFunding
$25kMax approval
ZeroCredit impact
Treatment amount Live preview
Patient pays as low as $556/mo 36-mo plan · 0% APR option
You receive $20,000 Upfront, in 3–7 days

Pairing patients with industry-leading lenders

affirm Klarna Afterpay CareCredit PatientFi Cherry Avvance affirm Klarna Afterpay CareCredit PatientFi Cherry Avvance
How it works

From consultation to funded in under a week.

Our brokerage routes your patient to the right lender the first time — no denials, no stacked credit pulls.

1

Patient applies

60-second mobile application. Soft-pull only — zero impact on their credit score.

2

We route the approval

One application checks every lender in our network. We pair them with the best program.

3

You get paid

Full treatment amount wired to your practice in 3–7 business days. We handle the rest.

Why clinics pick us

Built to convert more of your consult book.

One soft-pull, many lenders

A single application checks every lender in our network. No stacked hard inquiries, no declining patients twice.

Approvals in 60 seconds

Real-time underwriting surfaces the best offer while your patient is still in the chair.

Paid in 3–7 business days

Full treatment amount wired upfront. We handle servicing, billing, and collection so you don't have to.

0% APR promo options

Offer prime-tier patients zero-interest plans that make high-ticket treatments feel routine.

Treatment acceptance lift

Practices typically see 20–40% more consultations convert once financing is in the room.

7-day concierge support

Dedicated reps for you and your patients. No offshore call centers, no scripts.

98.4%

Near-100% patient approvals.

Our brokerage model gives every patient a second, third, and fourth look. We approve the patients other financing tools reject — FICO down to 500, no-credit, and everything in between.

Lender network

Four tiers of approval. One application.

We cascade patients through every tier until they're approved — so you almost never hear "no."

Tier 1

Prime

FICO 700+

0% APR promo plans, terms up to 36 months. USA-Banks-powered.

Tier 2

Near-prime

FICO 620–699

Extended repayment terms with competitive APRs.

Tier 3

Sub-prime

FICO 500–619

Second-look programs for patients with thin or damaged files.

Tier 4

No-credit

All FICOs

In-house payment plans for everyone else. Nobody leaves empty-handed.

Industries we serve

Built for cash-pay and elective practices.

Medical Spas
Chiropractors
Dentists
Orthodontists
Day Spas
Cosmetic Stores
Skin Care
Vet & Wellness
Other cash-pay

Program highlights

  • Approvals from $300 to $25,000
  • Terms up to 36 months, with 0% APR options
  • No down payment required
  • Soft inquiry only — no impact to credit
  • Funds to your practice in 3–7 business days
  • We handle billing, servicing, and collections

*Active SSN or Tax ID required. No active bankruptcies.

Get started

Ready to close more cases?

Tell us about your practice and a specialist will walk you through the right program — usually within the hour. Or call us now at (949) 610-3718.

  • No setup fees
  • No monthly minimums
  • Live in 48 hours