Medenta Finance

What Medenta Finance does

Medenta Finance Limited is a UK-based credit broker specialising in patient financing for dental practices. Operating as an intermediary rather than a lender, Medenta introduces dental practices and their patients to V12 Retail Finance Limited (a subsidiary of Secure Trust Bank PLC) and earns introduction commissions on the resulting loan transactions. The company is FCA-authorised for credit broking (FRN 715523), registered in Scotland (SC276679), and wholly owned by Practice Plan Group, which is itself wholly owned by Wesleyan Assurance Society, a mutual founded in 1841 serving doctors, dentists, and teachers. Medenta's operational headquarters are in Oswestry, Shropshire, and it supports dental practices across the entire United Kingdom with a regionally organised Business Development Manager team.

The company's product portfolio includes 0% interest-free payment plans and interest-bearing options at 7.9% and 9.9% APR, delivered through a proprietary online application portal that provides credit decisions in seconds and supports e-signature and remote application processing via a secure e-link. Supporting services include comprehensive team training programmes, compliant marketing collateral (posters, leaflets), real-time management information dashboards for practices, and dedicated BDM support. Customer testimonials emphasise hands-on support, smooth cash flow via auto-payment at the start of treatment, and reduction in practice bad debt exposure.

Medenta generates revenue through two streams: an introduction commission paid by Secure Trust Bank for each practice and transaction referred, and per-transaction subsidy fees paid by dental practices on a pay-as-you-go basis. Go-to-market is sales-led, relying on regional BDMs, complemented by a content-marketing engine (blog, podcasts, videos) and a self-serve website onboarding funnel. With 11-50 employees, no external funding rounds, and no disclosed financials, Medenta operates as a niche, vertically-focused intermediary within the broader Wesleyan Group financial services ecosystem.

Name

Medenta Finance

Legal name

Medenta Finance Limited

Website

https://medenta.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Medenta Finance is a UK FCA-authorised credit broker that introduces dental practices and patients to V12 Retail Finance for 0% and interest-bearing patient payment plans. A wholly-owned subsidiary of Wesleyan Assurance Society, it serves SMB dental practices across the United Kingdom via a regional BDM team and proprietary instant-decision portal.

Ownership category

akta.pro rank

Product category

Dental Patient Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Sales Financing (522220)

SIC

Loan Brokers (6163)

akta.pro primary industry

Healthcare & Medical POS Financing (FSAKAFAI)

Keywords

• Dental patient finance
• Credit broking services
• Dental payment plans
• Interest-free financing
• Healthcare lending broker

Headquarters

HQ city

Oswestry

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Broker Commission: Medenta acts as a credit broker introducing dental practices to V12 Retail Finance Limited. Medenta receives an introduction commission from Secure Trust Bank plc (V12 Retail Finance's parent company) for each practice and transaction introduced. Practices pay subsidy rates per transaction on a pay-as-you-go basis.
2. Practice Subsidy Fees: Dental practices pay subsidy costs per transaction for patient finance processing. Medenta provides competitive subsidy rates to practices as part of their broker arrangement.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Medenta Finance is a UK credit broker that introduces dental practices to V12 Retail Finance Limited (a Secure Trust Bank subsidiary) and Wesleyan Bank so their patients can access 0% interest-free and interest-bearing (7.9%/9.9% APR) payment plans for dental treatment. The service is delivered through a proprietary online application portal with instant credit decisions, e-signature capture, and real-time management information, with practices paying per-transaction subsidies on a pay-as-you-go basis.

Product overview

Medenta Finance operates as a dental patient finance broker serving UK dental practices. The core offering consists of dental payment plans that enable patients to spread the cost of treatment through monthly instalments. The product portfolio includes 0% interest-free payment plans and interest-bearing options at 7.9% and 9.9% APR. The service is delivered through an online application portal that provides instant credit decisions. Supporting services include team training programs, marketing collateral, and dedicated Business Development Manager support. Medenta acts as a credit broker introducing practices to V12 Retail Finance Limited and Wesleyan Bank for credit provision.

Differentiator

Problem solved

Functional benefit

Products and services

• Dental Patient Finance Solution

Quantifiable outcome

• Applications decided in seconds
• +1 more outcomes

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Practice Plan GroupcoreStrategic or Co-development PartnerPractice Plan Group is the parent/sister company structure containing Medenta Finance Limited, Practice Plan Limited, Worldwide Assistance Limited, and DPAS Limited. Practice Plan provides dental membership plans while Medenta handles patient finance. Both are wholly owned by Wesleyan Assurance Society.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Others

• DPAS Limited: UK dental plan administration provider, part of the same Practice Plan Group/Wesleyan group as Medenta. Sister company offering complementary practice payment infrastructure rather than finance, making it part of the same ecosystem rather than a competitor.
• Practice Plan: Sister company under the Wesleyan Assurance Society umbrella offering dental practice membership/subscription plans. Sister entity rather than competitor, but sits inside the same group distribution channel and could be a natural cross-sell pathway.
• Denplan (Simplyhealth): UK dental payment plan and capitation provider owned by Simplyhealth, used by practices to offer patients monthly membership plans. Adjacent rather than directly competing: both Medenta (finance) and Denplan (membership) operate inside UK dental practice payment workflows under the Wesleyan/Practice Plan and Simplyhealth ecosystems.

Broad incumbents

• CareCredit: Large US-based healthcare credit card and patient finance provider (owned by Synchrony) widely accepted by dental, medical, and veterinary practices. Broad incumbent with similar patient-finance-product DNA though much larger scale and direct-to-consumer brand pull.

Direct peers

• Ideal4Finance: UK consumer credit broker arranging personal loans and finance for healthcare, dental, and home improvement purchases via a panel of lenders. Comparable broker model and multi-product tier offering, though broader than pure dental.
• Omni Capital Retail Finance: UK retail finance provider (and broker panel) offering point-of-sale finance for dental, optical, and other specialist healthcare treatments. Comparable POS finance product and underwriting-broker integration.
• Braemar Finance: UK-based specialist finance broker focused on dental and medical practice patient finance, offering similar interest-free and interest-bearing payment plans to practices. Directly comparable business model, vertical focus, and broker commission structure.
• First Patient Finance: UK dental patient finance broker offering credit applications and payment plans to dental practices for patient treatments. Closely comparable as a vertical-specialist credit broker with similar product tiers and practice onboarding approach.

Emerging players

• AfforditNow: UK consumer credit platform offering point-of-sale finance for dental, optical, and cosmetic treatments through a lender panel. Smaller, emerging player with overlapping POS healthcare-finance model and digital-first onboarding.
• Tabeo: UK patient financing provider offering interest-bearing payment plans for dental, medical, and aesthetic treatments. Comparable product positioning in patient finance, broader vertical scope, and direct-to-practice GTM motion.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/medenta-finance-limited

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

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 Medenta Finance