What kinds of care can owners finance?

Emergency and surgical work, diagnostics, dental, oncology and larger wellness plans, anything you can put on an estimate.

Does checking options affect the owner's credit?

Seeing what they qualify for uses a soft check that does not affect their score. Approval is possible without a credit score, but credit history is checked.

How fast does the clinic get paid?

Direct deposit in 1-2 business days once the plan is signed.

Does this replace our in-house payment plans?

It can. You get funded up front instead of carrying the balance and chasing payments.

What does it cost us?

No signup fee and no monthly fee. A merchant fee applies only when a plan funds, starting at 2.8%.

What if the owner stops paying?

Most programs are non-recourse, once you're funded, the money stays with you.

For Veterinary Clinics

No pet owner should have to choose between the estimate and their dog.

Non-recourse, direct deposit programs, approving from the low 500s, up to $65,000, starting at 2.8% merchant fee.

Near 100% approvalLow credit and no credit score
Next-day depositsDirect deposit once the plan is signed
Up to $65,000Provider fees from 2.8%

See programs Enroll your clinic

Why practices enroll

No cost to enrollNo setup or monthly fees

Multiple programsMatched to your practice

Paid in fullYour patient pays monthly

What clients finance

The care pet owners finance most.

If you offer it, there's a program behind it.

Orthopedic Surgery

ACL repair, fracture care, joint procedures

Dental Care

Cleanings, extractions and oral surgery

Soft Tissue Surgery

Mass removals and scheduled procedures

Chronic Condition Management

Ongoing medication and treatment

Diagnostic Imaging

X-rays, ultrasound and advanced diagnostics

Specialty & Referral Care

Oncology, cardiology, internal medicine

More revenue

More approvals. Bigger tickets.

More patients get approved. And the ones who do say yes to the full plan instead of the cheapest option they can afford today.

Patients approved, of 20 presented

1019

Average treatment plan

$850$2,500

On the patients you're already seeing, that's an estimated +$33,000 / mo , illustrative; your numbers depend on ticket size and case volume.

Apply for your practice

Coverage

Approvals for the owners who need them most.

Every program below is non-recourse. Once a plan is signed and funded, that money is yours.

Up to $6,000

No credit score needed

Approved on banking activity, not a FICO pull.

Up to $12,500

0% APR for 12 months

For patients with established, strong credit.

Up to $25,000

High approval at every credit tier

Down to the low 500s. The ceiling doesn't shrink with the score.

Up to $50,000

No hard credit pull, ever

Soft pull only, no down payment. 0% promotional plans available.

Up to $65,000

Larger procedures

Full-arch, plastic surgery, hair restoration. Merchant fees from 2.8%, no monthly fees.

Applying

Three steps from application to offering plans.

Apply for your practice

Short application. No cost, and it doesn't touch your personal credit.

We match you to programs

We line you up with the programs that fit your ticket size and patient mix.

Start presenting plans

Usually within a week. Your team offers a monthly number at checkout.

Enrollment

Enroll your clinic

About two minutes. Tell us your case mix and average estimate and we'll match you to the programs that fit your clients.

Select all that apply.

Paynance Revenue Lab

Your list of clients is old but gold.

They already know you and they already bought from you. Revive your old list with our reactivation program and bring in appointments with $0 ad spend.

Show me how

40+appointments

2 daysto book them

~$20,000booked

$0ad spend

Apply once. Start offering plans this week.

No cost to apply, and no impact on your personal credit. We'll come back with the programs you qualify for.

Enroll your clinic