Tabeo

What Tabeo does

Tabeo is a UK-based financial infrastructure platform purpose-built for dental practices, offering four integrated products — Cards (payment processing via Stripe Connect), Finance (FCA-regulated patient credit at 0.0%, 5.9% and 7.9% APR over 12–36 months), Plans (membership subscription billing) and Revenue Engine (AI-powered patient acquisition and enquiry handling). The platform is operated by a group of three UK private limited companies — Tabeo Tech Limited (platform), Tabeo Finance Limited (regulated credit under FCA FRN 777539) and Tabeo Plans Limited (memberships) — collectively serving over 5,000 UK dental practices with 1,705 monthly active practices on the platform as of February 2026. Direct debit is processed through GoCardless with BACS sponsorship from NatWest; credit decisioning uses Transunion, Equifax, Onfido and Tink Open Banking; PMS integration is bidirectional with Dentally (Henry Schein).

Revenue mechanics combine transaction fees on Cards, lender spreads/fees on Finance (underpinned by over £900M in committed forward-flow funding from Fortress and Barclays), administration fees retained on Plans subscription billing, and subscription revenue on Revenue Engine. The company goes to market through a product-led self-serve channel for individual practices and direct enterprise sales to multi-site dental groups, with customer segments spanning Practice Managers, Practice Owners, Corporate Groups and NHS/Semi-Private Practices. Operational scale signals include 842+ active plan members on a sample dashboard, 246 monthly Revenue Engine enquiries, 95%+ automated credit decisions, 97% auto-reconciliation and 50%+ AI ticket deflection — all evidence of a platform with material embedded workflow depth rather than a thin payments wrapper.

Name

Tabeo

Legal name

Tabeo Tech Limited

Website

https://tabeo.co.uk

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Tabeo is a UK FCA-regulated financial infrastructure platform for dental practices, offering integrated payment processing, patient finance, membership plans and AI-powered patient acquisition across 5,000+ practices.

Ownership category

akta.pro rank

Product category

Dental Practice Financial Software

NAICS

Activities Related to Credit Intermediation (5223), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Finance Services (6199)

akta.pro primary industry

Dental Support Services Organizations (Non-Clinical MSO/Back-Office Platforms) (HLABAKAN)

akta.pro secondary industries

BNPL Platform Infrastructure (APIs, Orchestration, Merchant Tools) (FSAKACAE), Dental Benefit Administration (DBA) & ASO/TPA for Dental (HLAEAIAJ)

Keywords

• Dental practice payments
• Patient finance software
• Membership plan management
• Dental practice automation
• Healthcare fintech platform

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Membership Plans (Plans): Monthly subscription fees collected from patients via direct debit for routine dental care plans. Practices configure plan tiers (e.g., Essential £14.95, Premium £24.95, Family £44.95 per month) with sign-up fees. Tabeo retains an administration fee while clinical revenue flows to the practice. Automated monthly billing managed in-house with retry logic.
2. Card Payment Processing: Transaction-based revenue from card payments processed through Stripe. Supports in-person, online, and phone payments. Unified with finance and plan payment flows for simplified reconciliation.
3. Patient Finance: Revenue generated from facilitating consumer credit for dental treatments. Tabeo connects patients with lenders (including near-prime options) and earns a spread or fee on originated loans. FCA-regulated loan servicing with automated decisioning (95%+ automated decisions). Supports 0% APR, 5.9% APR, 7.9% APR over 12-36 months.
4. Revenue Engine (AI/Software): AI-powered enquiry management and lead qualification tool for dental practices. Sold as part of the platform suite, capturing and qualifying patient enquiries across chat and voice with high-value lead identification.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Tabeo is a unified financial infrastructure platform for UK dental practices, combining four core products: Cards (payment processing via Stripe), Finance (FCA-regulated patient lending with 0%/5.9%/7.9% APR tiers), Plans (automated membership plan billing), and Revenue Engine (AI-powered patient acquisition via chat and voice). The platform integrates with dental practice management systems such as Dentally, providing a single reconciliation layer across all payment types for independent practices and large dental groups.

Product overview

Tabeo is a financial infrastructure platform for dental practices, operating as a unified platform with four core integrated products: Cards (payment processing), Finance (patient financing), Plans (membership management), and Revenue Engine (AI-powered patient acquisition). The platform is designed for independent clinics and large dental groups, bringing together every way money flows into a practice through shared data, single reconciliation, and consistent reporting across all products. Tabeo Tech Limited operates the platform while Tabeo Finance Limited provides regulated financial products under FCA authorisation. The platform processes £900M+ in committed funding and serves 5,000+ UK dental practices.

Differentiator

Problem solved

Functional benefit

Products and services

• Cards Payment processing product for dental practices enabling in-person, online, and phone card payments with contextual data, auto-booking to PMS, and integration with Revenue Engine. Powered by Stripe Connect.
• Finance Patient finance product enabling treatment acceptance through seamless consumer credit with 95%+ automated decisions. Offers 0.0% APR (12 months), 5.9% APR, and 7.9% APR (up to 36 months) options. FCA-regulated with full compliance workflow including risk assessment, ID verification, credit assessment, affordability check.
• Plans Membership plans product for dental practices enabling monthly recurring revenue. Features include design and configure tiers and pricing, automated monthly billing, direct debit collection via GoCardless, plan reporting with clinical payroll and insights, and integration with PMS. Supports Essential, Premium, and Family plan tiers.
• Revenue Engine AI-powered patient acquisition and engagement product for dental practices. Features include AI chat and voice agents (multi-agent system), 24/7 availability, automatic lead capture and qualification, high-value lead identification, and opportunity scoring. Achieved 50.6% ticket deflection rate.
• Pay in 3 Pay-in-3 instalment product under the Finance suite, enabling patients to split treatment costs into 3 equal instalments.

Quantifiable outcome

• 50%+ Revenue Engine ticket deflection rate (scaled from 5% to 50%+ with guardrails and daily QA review)
• +6 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability10 records

Feature7 records

Partnerships

Eight partnerships are on record, tiered core.

• NatWestcoreTechnology or IntegrationBACS-sponsored by NatWest for direct debit infrastructure. Tabeo processes BACS direct debit sponsored by NatWest, providing the regulated payment rails for collections across Finance, Plans, and Cards products.
• StripecoreTechnology or IntegrationStripe Connect powers the Cards payment product. Stripe processes card payments (card present and card not present) and effects payments between Tabeo, merchants, and customers. Used across Finance, In-House Finance, Cards, Plans, and Px Suite. Stripe Connect platform ensures funds are protected.
• GoCardlesscoreTechnology or IntegrationGoCardless Ltd (company registration 07495895), authorised by the FCA under Payment Services Regulations 2017 (registration 597190), processes direct debit payments for Finance, In-House Finance, Plans, and Px Suite products. Provides BACS direct debit infrastructure.
• DentallycoreTechnology or IntegrationDentally is a cloud-based dental PMS (acquired by Henry Schein). Tabeo has a bi-directional API integration: Tabeo data is embedded directly into Dentally without an extension — plan information visible, patients invited to plans, Finance links sent, card transactions auto-booked. This eliminates manual entry for dental practices using Dentally.
• TransunioncoreTechnology or IntegrationCredit Reference Agency providing payment data, analytics, credit software, and other business services. Used for credit checks, identity verification, affordability assessment, and fraud prevention. Tabeo uses Transunion CRA to perform checks on customers applying for Finance and In-House Finance products.
• EquifaxcoreTechnology or IntegrationCredit Reference Agency used alongside Transunion for credit checks, identity verification, affordability assessment, and fraud prevention on finance applications.
• OnfidocoreTechnology or IntegrationOnfido provides ID and KYC (Know Your Customer) checks for customer identity verification during finance application onboarding.
• TinkcoreTechnology or IntegrationTink provides Open Banking capabilities enabling Tabeo to perform income checks and obtain additional credit information with customer consent. Open Banking improved income checks by 40%.

Scale indicators12 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Braemar Finance: Braemar Finance is a UK specialist finance provider for dental, veterinary, and medical practices, offering patient finance solutions including regulated consumer credit. Comparable to Tabeo's Finance product across similar healthcare verticals.
• Denplan (Simplyhealth): Denplan, part of Simplyhealth, is the UK's leading dental payment plan specialist, providing membership plans and insurance products for dental practices and patients. Direct competitor to Tabeo's Plans and Finance products with established market presence.
• Chrysalis Finance (HCF): Chrysalis Finance (now part of Health Credit Finance / HCF) is a UK specialist patient finance provider serving dental practices with consumer credit products. Direct competitor to Tabeo's Finance product offering regulated lending at point of treatment.
• Medenta: Medenta is a UK provider of patient finance specifically for dental practices, offering regulated finance products to help patients afford treatment. Direct competitor to Tabeo's Finance product in the UK dental patient finance market.
• Practice Plan: Practice Plan is a UK provider of dental membership plans, offering practices the ability to set up and administer monthly patient plan schemes. Directly comparable to Tabeo's Plans product line in the UK dental membership space.
• Patient Plan Direct: Patient Plan Direct is a UK dental membership plan administrator serving independent practices and groups, with automated monthly billing and direct debit collections. Direct competitor to Tabeo's Plans product with similar SMB focus.

Broad incumbents

• Dentally (Henry Schein): Dentally is a cloud-based UK dental PMS owned by Henry Schein One and serves as Tabeo's primary integration partner. Comparable as a broad incumbent PMS whose roadmap and partnership economics directly affect Tabeo's distribution advantage.
• Software of Excellence (Henry Schein): Software of Excellence, part of Henry Schein One, is a major UK dental practice management software provider with embedded patient communications and front-office features. Comparable as a broad incumbent in the UK dental software stack with potential to disintermediate Tabeo's PMS-integrated offering.
• SumUp: SumUp is a UK and European SMB payments processor offering card readers and payment infrastructure to small businesses. Comparable to Tabeo's Cards product as a broad SMB payments incumbent, though without Tabeo's vertical specialisation or finance and plans offerings.

Emerging players

• Doctify: Doctify is a UK healthcare platform providing practice management, patient booking, and review infrastructure across multiple specialties. Comparable as an emerging UK healthcare-vertical platform, though operating in different sub-verticals than Tabeo's dental focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Tabeo-for-Dermatology-100070867911600
• LinkedInlinkedin.com/company/tabeo

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries3 records

Funding overview

Funding rounds3 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tabeo