Fund My Dental

What Fund My Dental does

Fund My Dental is an Australian consumer credit platform operated by The Tooth Market Pty Ltd (ABN 28 640 722 425), functioning as an Australian Credit Representative of Allied Financial Consulting Pty Ltd under ASIC Credit Licence 393845. The company offers two interest-free weekly payment plans (the $39 Plan covering up to $1,000 of treatment and the $79 Plan covering up to $2,000 of treatment) that allow patients to spread the cost of dental work via direct debit, with a one-off establishment fee per plan and a recurring $2.50 weekly account keeping fee while a balance is outstanding. Revenue is generated from establishment fees, weekly account keeping fees, and $29 late payment fees; no interest is charged, which the company frames as its ethical-differentiation against high-interest medical credit cards.

The underlying platform is a web-based lending and portal stack: a public marketing site (fundmydental.com.au) hosting a symptom checker and a dentist locator with map-based search, an online application portal (apply.fundmydental.com.au), and a self-service customer portal (myloan.fundmydental.com.au) for borrowers. Distribution runs through 325+ partner dental practices across Australia, each given a dedicated application subdomain, with dentist recruitment conducted via [email protected]. Patients apply directly online (described as completable in under a minute), select from nearby partner practices, and complete treatment within six months of signup.

The business serves two customer groups: individual consumers in Australia seeking interest-free dental financing, and SMB dental practices that adopt the platform to convert price-sensitive patients and improve cashflow. The company is a small private entity (1–10 employees, headquartered in Perth, founded 2020) and has not publicly disclosed revenue, headcount, or post-2022 funding activity beyond a recorded 2022 BetterLabs Ventures event at $0. Its competitive positioning rests on a regulatory credit licence, an interest-free product structure, and a national partner practice network, rather than proprietary technology or data assets.

Name

Fund My Dental

Legal name

The Tooth Market Pty Ltd

Website

https://fundmydental.com.au

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Fund My Dental is an Australian consumer credit platform, operated by The Tooth Market Pty Ltd under an ASIC licence, that offers interest-free weekly payment plans of up to $2,000 to patients of its 325+ partner dental practices across Australia.

Ownership category

akta.pro rank

Product category

Dental Financing

NAICS

Activities Related to Credit Intermediation (5223), Mortgage and Nonmortgage Loan Brokers (52231), Sales Financing (52222)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro industry

PRIMARYHLALALAL

Dental Teleconsultation Marketplaces

Healthcare & Life Sciences/Telehealth Platforms/Telehealth Marketplace & Referral Platforms

Keywords

• Dental financing
• Dental payment plans
• Patient lending
• Healthcare credit
• Interest-free loans

Headquarters

HQ city

Perth

HQ country

Australia

HQ region

Oceania

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Establishment Fees: One-time setup fees charged when patients establish a payment plan: $39 for up to $1000 treatment limit, or $129 for up to $2000 treatment limit.
2. Weekly Account Keeping Fee: Recurring $2.50 weekly fee charged while there is an outstanding balance on the loan.
3. Late Payment Fees: Optional fees charged when patients are late or miss payments ($29 per incident).

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Fund My Dental operates an Australian digital lending platform that offers interest-free weekly payment plans for dental treatments up to $2,000, connecting patients with a network of 325+ partner dental practices across Australia. The platform, operated by The Tooth Market Pty Ltd as an Australian Credit Representative, provides a self-serve application portal, a 24/7 customer loan management portal, a dentist locator with map integration, and a symptom checker tool to support patient acquisition and loan servicing.

Product overview

Fund My Dental is a dental financing platform offering two interest-free payment plans ($39 Plan up to $1000 and $79 Plan up to $2000) that enable patients to spread the cost of dental treatment over weekly installments. The platform integrates a symptom checker tool for patient diagnosis guidance, a dentist finder with 325+ partner practices across Australia, and a customer portal for account management. Patients apply through partnered dental practices, pay an establishment fee, and manage repayments through direct debit.

Differentiator

Problem solved

Functional benefit

Products and services

• Fund My Dental Payment Plans Interest-free dental financing product for Australian consumers needing dental treatment they cannot pay upfront, repaid via weekly direct debit with no interest ever charged.

Quantifiable outcome

• Application takes less than a minute to complete
• +2 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• The Tooth Market Pty LtdcoreStrategic or Co-development PartnerThe Tooth Market Pty Ltd (ABN 28 640 722 425) is the parent company operating Fund My Dental. They are described as powering Fund My Dental and providing the technology platform and branding for the dental financing service.
• AFCA (Australian Financial Complaints Authority)minorOthersFund My Dental is a member of AFCA (Australian Financial Complaints Authority), providing dispute resolution services for customers.
• 325+ Partner Dental PracticescoreChannel Partner/ Reseller/ DistributorExtensive network of 325+ independent dental practices across Australia that accept Fund My Dental payment plans. Includes major groups like DB Dental (11+ locations), No Gaps Dental (16 locations), St John Dental (7 locations), Allied Dental, and First Impressions Dental, as well as individual practices nationwide. Each practice has a dedicated Fund My Dental application subdomain.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Plenti Group: Australian listed consumer lender providing point-of-sale finance across automotive, renewable energy, and healthcare. Comparable in offering credit at the point of sale via partner networks, including elective procedures, with similar ASIC-licensed credit-representative model.
• Afterpay (Block, Inc.): Australian-origin global BNPL leader, now part of Block. Comparable consumer-facing pay-in-installments model and merchant onboarding approach; competes for the same patient and merchant mindshare, though less specialized in dental.
• Zip Co: Major Australian-listed BNPL operator with broad merchant coverage and growing presence in healthcare verticals. Comparable in core BNPL mechanics (interest-free plans, weekly/fortnightly repayments) but with substantially larger scale, brand recognition, and capital, making it a competitive threat to niche dental specialists.
• Latitude Financial Services: Large Australian consumer-credit provider (personal loans, credit cards, BNPL) with established distribution into healthcare and retail. Comparable credit/BNPL infrastructure and Australian regulatory positioning, with greater product diversification and balance sheet capacity.
• Humm Group (formerly FlexiGroup/Certegy): Large Australian BNPL/consumer credit provider that operates a 'health' vertical offering interest-free payment plans at dental, optical, and veterinary practices. Comparable in product structure and channel model, but with broader product range, deeper capital base, and a national multi-vertical footprint.

Direct peers

• MacCredit: Australian specialist medical and dental finance provider offering patient payment plans for higher-value procedures (implants, orthodontics, cosmetic). Comparable focus on patient financing for elective dental, with similar reliance on clinic/partner referrals as the primary distribution channel.
• Openpay: Australian BNPL platform with a long-standing focus on healthcare verticals (dental, vet, audiology, optical). Directly comparable business model to Fund My Dental: interest-free or low-cost installment plans delivered through a network of merchant partners, with patient/consumer-facing digital application flows.
• TLC (Total Lifestyle Credit): Australian healthcare-specific point-of-sale finance provider offering interest-free payment plans for dental, cosmetic, and medical procedures through a partner-clinic network. Direct comparable in target market, product design (interest-free plans up to defined caps), and dentist/patient funnel.
• PayRight: Australian BNPL provider with a particular focus on healthcare, education, and home-improvement verticals. Comparable in offering interest-free and longer-term plans through a partner merchant network, including dental clinics, and competing for the same patient base.

Emerging players

• Dentisure: Australian dental-specific payment plan / membership product offered through dental practices. Comparable in narrowly targeting the Australian dental channel and providing patient-friendly installment options, though typically structured as in-house practice plans rather than third-party credit.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/fund-my-dental

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

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 Fund My Dental