Ever Been Rejected? It Sucks.
Dental Financing:5>1.
5 Lenders.
1 Consumer Application.
1 Performance Dashboard.
Say Goodbye to Your Single Lender Pain.
The Pain
The treatment plan is right.
The patient still says no.
One lender. One answer.
A single decline sends a patient home with an untreated plan and no second option.
Decisions that arrive too late.
Slow underwriting turns a ready buyer into a maybe, and a maybe into a competitor's sale.
Fee structures that eat the job.
Program costs and platform charges quietly shrink the margin you thought you priced in.
Treatment gets downgraded.
Comprehensive care shrinks to the cheapest option the moment the total is read aloud.
Representative product examples
What the waterfall can put in front of your patients.
Product options drawn from the current lender programs. These are representative product examples, not case studies. Terms, approvals and fees vary by product, applicant and state, and are disclosed at time of application.
Treatment plan, financed
Risk-Based Installment
- Fair credit and better
- 3 – 60 month terms
- Up to 24.99% APR
- Up to $25,000
Elective procedure, 0% promo
True 0% APR Promotional
- Prime and above
- 3 – 36 month terms
- 0% APR — not deferred interest
- Zero interest to the patient
Lower-credit patient, approved
Wide-Spectrum Installment
- All credit tiers (475+)
- 12 / 24 / 48 month programs
- Risk-based APR, varies by state
- Up to $15,000
Payment plan, in-house feel
Sub-Prime Installment Plan
- All credit tiers
- Up to 24 months
- 0% to the patient
- Up to $7,500
How it works
Application
One mobile-first application, under 3 minutes, soft credit pull.
Waterfall routes it
The application moves through the lender stack to the best-fit lender in real time.
Customer gets their offer
They see the best available offer for their credit profile — not a single lender's answer.
Merchant gets paid
Funding settles through the lender, tracked in one dashboard alongside every other application.
Power Your Team & Create More Happy Customers.
Managing multiple lenders takes time your team doesn't have; different applications, different rules, different accounting requirements for every program.
One Lending Dashboard to Drive Your Business changes that math. See every application, every KPI, full performance in one place.
Your customers want financing.
Your customers need financing.
One application - not a series of hope-and-pray submissions to lender after lender. Your customer gets the best offer for their situation, period.
The rules have changed. You are no longer restricted and limited to a single-lender solution. Power your business with Better Financing.
- True 0% APR Programs
- Subprime to Prime Lending Solutions
NO ANNUAL PLATFORM FEE.
NO ACCESS FEE. EVER.
Transaction-level rates and fees vary by product and are disclosed at time of application.
You will close more. You will save time. You will save money. You will be better. Your customers will be happier.
Dental Financing FAQ
What if my patient's financing application gets declined?
One decline doesn't end the case. The application routes automatically to the next best-fit lender across the full waterfall.
Does checking eligibility affect the patient's credit score?
No. Pre-qualification uses a soft credit pull with no impact to the patient's credit.
How fast can a patient get approved for treatment plan financing?
The application is mobile-first and typically completes in under 3 minutes, with fast routing to a best-fit lender.
What credit levels does Better Financing approve for dental patients?
The waterfall covers a wide credit range — most practices only see the patients who applied and got declined; a larger number never applied at all, assuming they wouldn't qualify. Broader lender coverage means more of those patients get a real yes.
Is there a cost to my practice to offer this?
No annual platform fee, no access fee, ever. Transaction-level rates and fees vary by product and are disclosed at time of application.
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Win More. Keep More.