Soft-pull pre-qual in 10 seconds at the chair. the lender marketplace quote in parallel. Funds settle merchant-direct in 48 to 72 hours. One signup, one platform.
A 3-chair practice averages $1.4M/yr in case acceptance lost to financing friction. The objection isn't price. It's cash-flow. Patients don't carry $12k. Without a yes-able monthly number on the spot, the implant case becomes “I'll call you back.”
The financing waterfall runs end-to-end inside MedPay. Soft-pull pre-qual, the agentic layer pre-qualifying every application on the financial data, a marketplace decision engine that fires the lender marketplace in parallel, the best offer winning, and the lender disbursing direct to your business account on approval, generally within 48 to 72 hours of settlement.
Each agent has a defined role, a defined scope, and a measurable output. They work on the financial data, not on the phone. They don't replace your team; they replace the manual intake reviews, the enrichment vendor sprawl, the lender-routing back-and-forth, the failed-ACH chase, and the broken pixel feedback loop your ad account is starving on. Every action is logged, explainable, and FCRA-aware.
PRISM watches every apply-form session in real time. It reshapes question order based on partial answers, kills friction for high-intent patients, and adds verification steps when it detects junk. It learns which question sequences convert per traffic source.
VEGA orchestrates 12 enrichment providers in parallel. It picks the cheapest source likely to return a match, falls back automatically on failure, and dedupes identity collisions across vendors.
ORACLE runs a calibrated propensity model trained on your closed-won outcomes, not a generic lookalike. It retrains nightly on every disposition your front desk logs and surfaces drift before it affects revenue.
HELIX matches every qualified patient to the right rep, not just the next available one. It learns which reps close which tiers, accounts for rep capacity in real time, and routes around vacations, lunch, and underperformance without anyone asking.
NEXUS routes every qualified patient through a curated multi-lender marketplace, prime to subprime, $3k to $50k. Soft pull only. It learns which lenders approve which patient profiles, watches stip rates in real time, and reroutes around lenders that tighten overnight.
FLUX handles the actual money. It presents BNPL, POS finance, ACH, and card options based on the lender approval, retries failed payments intelligently, and reconciles every settled cent back to the originating ad campaign.
ECHO closes the loop. It holds pixel events until a patient clears qualification, then fires weighted conversions back to Meta and Google via server-side CAPI. It uploads closed-won deals as offline conversions. The cleanest training signal your ad account will ever see.
MedPay is built around the financing marketplace. That's the revenue unlock. The agentic layer is bundled in the same signup, so you don't need to stitch a separate answering service, lead-qualifying tool, or attribution stack onto your finance funnel.
MedPay plugs into multiple lender marketplaces (engine.tech, HSP Medical, EazePay Direct) and runs a parallel waterfall on every application. Patient gets an instant decision with multiple offers ranked to their personal situation. You're paid in full when the lender disburses, merchant-direct, no intermediary holding funds. No clawback for routine defaults.
Software agents work silently on every inbound application (soft-pull credit, identity enrichment, propensity scoring) and surface only the financially-qualified prospects to your front desk. Your consult slots fill up with patients who can actually afford treatment. The lending waterfall then returns an instant multi-offer decision at the chair. Your team converts on the same visit instead of chasing payment plans over two weeks.
Your pixel learns what a funded patient looks like.
A consult with a prospect who can't afford the treatment is 30 minutes not spent with a patient who can. Pre-qualifying on the financial data, before the slot is even booked, means your team only sees prospects who can fund.
ECHO holds pixel events until a lead actually clears the financial qualification, then fires weighted conversions back to Meta and Google via server-side CAPI. Over time, the ad platforms learn what a funded patient looks like and the algorithms get smarter at finding more of them. Your ad spend gets more efficient month over month, not because you upped budgets, but because you trained your pixel on real buyers.
Drop in your funnel. We model what you'd recover with MedPay vs. without. Illustrative based on your inputs. Not a guarantee of returns.
Financing is the lead. Everything else is built so it works at the chair. Here are the questions clinic owners ask before they sign. Answered straight.
Start your signupSign up in 5 minutes. KYB clears in 60 seconds. Instant decisions at the chair, payouts merchant-direct, generally within 48 to 72 hours of the loan settling.