Direct-to-Patient Financing

With Direct-to-Patient, the patient applies with a simple application and the HUB will present the best offers from the 30 lenders. After the offer is selected, the patient will finalize the loan via a direct link to the lender.

The FMC Hub will show you all offers, amounts approved and the patient's term and monthly payment. Your team can see when the loan is funded to the patient and you can then collect your payment. There's no provider underwriting to get started, and it can be live within 24 hours.

One application. 30+ lenders.

BankPatientProvider
Patient at the front desk of a practice
Increases enrollments and revenue

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How it works

  1. 1
    Send the patient an application link, or use the assisted process.
  2. 2
    The HUB presents offers from participating lenders across credit tiers.
  3. 3
    The patient picks an offer, is funded by the lender, and pays your practice.
Patient and provider at the front desk
All Credit Profiles available

Just Some of Our Direct-to-Patient Lender Partners

Super Prime

Splash LightStream SoFi BHG Financial

Prime

Best Egg LendingClub lendingUSA Happy Money Reach Financial Prosper Universal Credit Upstart Zable

Near- Prime

Avant NetCredit OneMain Financial Upgrade

Sub- Prime

creditfresh MoneyKey CCFlow OneMain Financial OppLoans Regional Finance Reprise Financial
Smiling provider in a treatment room
Super low Practice fee of only 5% invoiced.

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Provider Benefits

  • More ways to say yes. A second financing path beyond your practice's own program.

  • Fast start. No provider qualification needed; live within 24 hours.

  • Wide coverage. Lenders from excellent credit to credit are still being built.

  • Nothing extra to manage. The lender handles the loan; you're paid for the treatment.

Loans are made by third-party lenders and subject to approval. Rates and terms vary by lender and patient qualification.