30%
more sales for merchants that offered pay over time
Berg, Burg, Keil and Puri, "The Economics of Buy Now, Pay Later: A Merchant's Perspective", Journal of Financial Economics, 2025. A study of online merchants.
Patient financing for clinics and hospitals
Sell 30% more treatment. Patients pay monthly. You are paid upfront.
Your US and Canadian patients pay for treatment monthly, and the finance company pays your clinic in full, upfront.
Merchants that offered pay over time sold 30% more. Journal of Financial Economics, 2025.
Or talk to our team
A 15 minute call. Your questions, your numbers.
Payment receivedFull arch dental implants
- Treatment price
- $10,000
- Your clinic
- Paid in full, upfront
- Your patient pays
- from $475 a month*
Paid upfront in full
No default risk
Plans from 0% APR*
Decision in minutes on the patient's phone
*Example: $10,000 financed over 24 monthly payments at 12.99% APR, no down payment: 24 payments of $475, total $11,409. 0% APR on plans up to 12 months for qualified patients; otherwise 12.99% to 36% APR over 3 to 24 months. Subject to credit approval by our lending partner. US and Canadian residents only.
Revenue calculator
What is it worth to your clinic?
Enter two numbers. See what monthly payments could add.
After the 9% fee on financed cases. Arithmetic, not a forecast. *Example: $10,000 over 24 monthly payments at 12.99% APR, no down payment: 24 payments of $475, total $11,409. Subject to credit approval by our lending partner.
Talk to our team
A 15 minute call. Your questions, your numbers.
See the difference
Same treatment. Same price. Very different result.
Monthly payments raised sales by 30% in a published study.
Journal of Financial Economics, 2025, a study of online merchants. *Example: $10,000 over 24 monthly payments at 12.99% APR, no down payment: $475 a month, total $11,409. Rates 0% to 36% APR. Subject to credit approval. Financing by a third party lending partner, for US and Canadian residents.
Your patients don't want to wire the full amount.
Give them a better way: they pay through Better by card or monthly, and you are paid in full, upfront.
Why it works now
Tried patient financing before and nobody used it? Here is what is different now.
When patients hear about it
Before
At the end, after the patient had decided.
Now
On every quote, ad and listing, from the first message.
How patients apply
Before
Paper forms your team had to chase.
Now
On their own phone, no paperwork, decision in minutes.
How it gets marketed
Before
Nobody marketed it, so nobody knew.
Now
Ready-made badges, posts, emails, WhatsApp scripts and quote wording. Plus a Monthly payments badge and filter on Better.
See what it is worth to your clinic.
Calculate your extra revenueHow you get paid
You are paid in full. Our partner collects.
- 1
Patient applies on their phone
- 2
Decision in minutes
- 3
You are paid in full, upfront
Our financing partner collects the monthly payments. If a patient stops paying, you keep what you were paid.
9%
Only on financed cases. Cash cases cost nothing.
The numbers
Americans buy big things monthly.
83%
finance their new car
State of the Automotive Finance Market, Q2 2026
Only 1 in 4
homes is bought with cash
National Association of Realtors, 2025 Profile of Home Buyers and Sellers: all-cash purchases at a record 26%, July 2024 to June 2025
Your quote is the only big purchase asking for everything upfront.
36%
of Americans with employer health plans delayed or skipped care because of cost in the past six months.
HealthEquity Healthcare Affordability Pulse, Spring 2026 (1,031 people, February 2026)
47%
of adults worry they cannot afford health care next year. The highest since 2021.
West Health and Gallup, 2025 (about 20,000 adults)
Marketing
We give you the marketing, done.
Built around your treatments and your prices. The required wording is already in place.
Sample mockups with sample prices.
Plus a full toolkit, ready to post
- Social posts
- Patient emails
- WhatsApp scripts
- Coordinator script
- Patient FAQ card
Better promotes it to patients too
Your listing shows a Monthly payments badge. Patients can filter for it.
Talk to our team
A 15 minute call. Your questions, your numbers.
What changes for your clinic
More patients say yes
More consultations become treatments
Cost stops being the reason to wait.
Patients say yes to the full treatment plan
A monthly price makes the full plan easier.
Faster decisions
No months of saving before booking.
A price you can advertise
A monthly price gets attention in ads and posts.
Where it fits
Most elective treatment fits under $25,000
Strong fit
Most cases under $25,000
- Dental implants, full arch, veneers and crowns
- Cosmetic and plastic surgery: breast, body contouring, facelift, rhinoplasty, liposuction
- Hair restoration
- Fertility, IVF and egg freezing
- LASIK, vision correction and cataract surgery
- Stem cell and regenerative therapies
- Longevity programs and executive health assessments
- Dermatology and aesthetic treatments
- Weight loss programs
Lead with monthly payments on every quote.
Partial fit
Finance up to $25,000, the patient pays the rest
- Bariatric surgery
- Knee and hip replacement
- Spine surgery
- Multi-stage dental and reconstructive cases
Monthly payments plus a deposit.
Lead with other channels
Usually above what a patient can finance
- Complex cardiac surgery
- Cancer treatment
- Organ transplants
- Neurosurgery
Ask us about employer and insurer channels.
Eligible treatments are set by the finance company. Confirm stem cell, regenerative and other elective therapies with Better before promoting financing for them.
Getting started
Start offering monthly payments in one day.
Morning
Join and send us your price list
Same day
We send your monthly prices and ready-made marketing
Next quote
Offer monthly payments
Included with Better by MTA membership
- Patient financing, paid upfront
- The marketing toolkit
- A Better listing with the Monthly payments badge
- Team training
- Qualified enquiries sent to you
- Patients pay through Better, by card or monthly plan
FAQ
Common questions
When are we paid?
Upfront and in full, by the finance company, for each financed case.
Who chases a patient who stops paying?
Our financing partner does, not you. The partner carries the default risk. You keep what you were paid.
What does it cost?
9% of the price, only on financed cases. Cash cases cost nothing.
Which patients can apply?
Residents of the United States and Canada, subject to approval. Up to $25,000 per patient.
We tried financing before and nobody used it. Why is this different?
The monthly price is on every quote and ad from the start. Patients apply on their phone and receive a decision in minutes. And we give you the marketing.
Do patients have to pay through Better?
Yes. Paying through Better is what gives your patients card payment and monthly plans, and it is how you are paid in full, upfront, on financed cases.
Which treatments can be financed?
Most elective treatment under $25,000, such as dental, cosmetic, fertility, vision and hair restoration. Eligible treatments are set by the finance company. Confirm stem cell, regenerative and other elective therapies with Better before promoting financing for them.
Put a monthly price on your next quote
Talk to our team. Pick the way that suits you.
Talk to our team
A 15 minute call. Your questions, your numbers.
- Paid upfront in full
- No default risk
- Start in one day