Here's what we'll cover in the next 45 minutes.
Six chapters. By the end you'll know exactly what MedPay is, how it works, who it's for, what it costs, and the path from today to your first funded patient.
MedPay is a patient-financing platform
built for elective care.
We help dental, med spa, derm, vet, and vision practices approve more patients at the consult. Soft-pull pre-qualification, a real-time lender marketplace, and merchant-direct funding in 48 to 72 hours. One signup, one platform.
Built for high-ticket, elective, high-ticket elective healthcare.
Anywhere a patient sits down, hears a number, and has to decide on the spot — that's our sweet spot. Five verticals today. Same platform, same flow, same merchant-direct payout. Just the case stories change.
Over 1,000 practices already run on MedPay.
We've been in market with dental clinics, med spas, derm groups, vet hospitals and elective-vision practices since launch. The platform is hardened, the lender panel is live, and the support team is staffed for scale.
Every consult that ends with “we'll get back to you” walks out unfunded.
A mid-size practice loses an estimated $0.0M a year to financing friction. The objection isn't price. It's cash flow. Patients don't carry $12,000.
Financing at the point of sale is now the patient expectation.
Cherry, Sunbit, and GreenSky proved the model. But single-lender programs cap out at one approval algorithm. When their model declines, your patient walks. MedPay solves the ceiling.
- × One approval algorithm
- × One ticket range
- × Decline = lost patient
- ✓ Every lender in parallel
- ✓ $3k to $50k coverage
- ✓ Cheapest offer wins
Soft-pull pre-qual, in-session.
Lender marketplace. Funds in 48 to 72 hours.
Three things matter to a practice owner. MedPay nails all three.
Six autonomous agents. One platform.
MedPay is a stack of six specialised agents working in parallel on every lead session — financial qualification, smart forms + routing, lender selection, lender quoting, pixel attribution, and compliance audit. Every agent is named, observable, and logged.
Four taps. Walks out approved and funded.
The entire patient journey happens in one session, on a single screen, in under three minutes.
Soft-pull EZ Check. Ten seconds. Zero impact.
Four fields. Ten seconds. A real fundability tier comes back before the patient hands the screen back. They have not authorized a hard pull, so they can still walk away with zero credit consequence.
For the rep: the patient walks back already knowing they qualify. The next sentence is “here's your treatment plan,” not “let me check if you can afford it.”
Route every lead by their actual financial profile.
HELIX runs the lead through your funnel in stages. First it pulls the financial qualification from ORACLE. Then it routes — can be one stage, can be three. Credit score, then income, then available credit. High-ticket leads land on a calendar slot pre-approved. Low-ticket leads land on a guide, an e-book, or a starter offer. Your calendar fills with qualified buyers. Your reps stop wasting time on people who can't pay.
- 01Filter by credit score
- 02Filter by income
- 03Filter by available credit
- 01Free guide / e-book
- 02Low-ticket starter offer
- 03Nurture · re-pull in 90 days
Lender marketplace runs in parallel.
One application fires across every lender simultaneously. Quotes return in seconds, ranked cheapest-first.
Best offer wins. Patient signs in the same visit.
Three ranked offers on one screen. Sorted by total cost, not commission. The starred row is what your patient actually picks 80% of the time. One tap to accept. E-signature on the same screen. They are funded before they walk out the door.
If they don't sign in-session, they sign on their phone.
Some patients want to think. Some want to talk to a spouse. Some need 10 minutes. MedPay texts a secure link to the same approved offer. They tap accept from the couch. You still book the case.
For the rep: the patient who used to ghost after walking out now signs from the couch. With smartphone continuity, 31% complete the application within 48 hours of leaving the office.
Lender disburses direct to your business account.
No marketplace intermediary holding the funds. No reseller skim. The lender wires the full amount straight to your practice account within 48 to 72 hours of the loan settling. The lender holds the credit risk. No clawback on routine defaults.
Stop training your pixel on form fillers.
Today, your Meta and Google ad pixels fire on a Page View, a Lead, or a Form Submit. Most of those leads never fund. Your algorithm optimises for garbage and your CPA drifts up month over month. ECHO breaks the loop.
0% closes becomes 0%+ same-day.
Drag the funnel. Watch the math.
16 × $8,000 × 12 = $1.54M
44 × $8,000 × 12 = $4.22M
Better data in means cheaper, better leads out.
MedPay does not just close more patients today. It compounds. Each funded patient re-trains your pixel. The pixel sends better leads. Better leads close at a higher rate. The cycle accelerates. Twelve months in, the practice is unrecognisable.
For implant practices, ortho, and high-ticket general.
Dental is MedPay's anchor vertical. Implants, ortho, sleep apnea, full-mouth reconstruction — the cases where the patient sits down with you and the ask is $8k–$50k.
- × Treatment plans walk out unfunded — patients can't carry $12k
- × Single-lender programs (Cherry / Sunbit) decline near-prime patients
- × Hard-pull credit kills the second-opinion patient
- × Cash-pay assumption excludes 60% of inbound consults
“We were losing a case a week to financing. First month on MedPay, same-day close went from a third to two-thirds. Patients walk out already approved.”
Lifetime value over single visits. Package financing without friction.
Med spas sell packages: 6 laser sessions, injectable maintenance, body-contouring series. The math only works if patients commit upfront. MedPay turns single-visit consults into package-funded clients.
- × Cash-pay patients return for one treatment, then never again
- × In-house payment plans tie up your A/R + chase delinquencies
- × Inflation pushed wedding-prep + first-time clients out of cash range
- × Aesthetic financing is taboo to talk about face-to-face
“The agentic form is the thing. Patients used to bounce on the income question. Now they finish the apply flow on their phone before they even hang up with my front desk.”
Three more verticals. Same platform. Same flow.
Cosmetic dermatology, veterinary surgery, and elective vision (LASIK, custom lenses, refractive). Same softpull, same marketplace, same merchant-direct payout — just the case stories change.
- × Cosmetic derm: insurance gaps eat patient confidence
- × Vet: emergency surgery + a $12k bill = lost patient
- × Vision: LASIK upfront cost blocks otherwise-ready buyers
- × All three: single-lender financing programs cap out at prime
“Vets see emergencies every day. The owner says yes to the surgery, then balks at the bill. MedPay closed that gap. Same-day approval, lender pays us direct, the dog goes home.”
Marketplace beats single-lender programs.
| Single-lender (Cherry, Sunbit, GreenSky) | MedPay | |
|---|---|---|
| Decline = patient walks | ×Yes | ✓No · marketplace routes to next eligible lender |
| Ticket range | ×Capped by one lender | ✓Marketplace coverage · $3k to $50k |
| Pre-qual in-session | ×Soft pull with that lender | ✓Soft pull across the marketplace |
| Agent layer | ×None | ✓Six autonomous agents |
| Pixel attribution | ×On form-fill (junk signal) | ✓ECHO fires on funded job (real signal) |
Everything you get in one platform.
MedPay replaces a stack of six vendors that most practices duct-tape together. Here's everything included — and what you'd typically pay if you bought it piecemeal.
- ✓ Soft-pull fundability tier (FCRA-compliant)
- ✓ Last-4-SSN + DOB + income in-session
- ✓ HELIX smart-form intake (−41% drop-off)
- ✓ Real-time signal scoring · ORACLE
- ✓ Parallel quoting across the marketplace
- ✓ NEXUS lender selection · ranked total-cost
- ✓ FLUX adaptive routing by tier
- ✓ Ticket coverage from $1k to $50k
- ✓ HELIX best-fit estimator routing
- ✓ Capacity + geo + ticket-fit matching
- ✓ Smartphone continuity for off-site signing
- ✓ Merchant-direct ACH disbursement
- ✓ ECHO funded-event pixel retraining
- ✓ Server-side CAPI to Meta + Google + TikTok
- ✓ Funnel-stage event ledger
- ✓ Per-channel ROAS attribution
- ✓ Daily funded summary + monthly invoice
- ✓ Per-rep performance dashboards
- ✓ Live chat + dedicated CSM
- ✓ Free implementation + staff training
Three line items. No surprises.
Up to 5 business days. From signed agreement to live.
Once you sign and the $10,000 platform fee clears, our team configures the account, integrates your pixel, trains your staff, and validates the first end-to-end soft pull. Up to 5 business days. After that you're running real traffic and financing real patients.
Patients walk in
curious. They walk out funded.
$10,000 to set up. $3 per smart-form lead. 4% of loans that actually settle. Live in up to five business days. 1,000+ practices already running on MedPay.