Dental Finance

What Dental Finance does

Dental Finance (legal entity: Dentech Patient Solutions, Inc., a Delaware C-corp with operations in Chandler, Arizona) operates a multi-lender marketplace and point-of-sale patient financing platform for the US dental industry. Founded in 2014 and operating across all 50 states, the company connects dental practices and their patients with banks, payment networks, and alternative lenders through a single credit application and a waterfall decisioning engine that automatically sequences across lenders to maximize approval rates across the credit spectrum. The product is delivered to practices via a web-based provider portal with a self-serve enrollment flow, while patients can apply in-practice or remotely via a text-based mobile application, complete e-signature, and receive ACH-funded disbursement typically within two to three business days.

The platform's core technology is the proprietary waterfall decisioning engine paired with a real-time, soft-credit-pull pre-qualification capability, a click-to-sign e-contracting flow, and an enterprise tier that includes a single sign-on dashboard, Retail Installment Contract (RIC) generation, white-label deployment, and AI-assisted lender matching. The company also runs a Partner Integration Program that allows DSOs and channel partners to embed the financing experience under their own brand. Underlying infrastructure relies on third-party credit bureaus (D&B, TransUnion, Experian, Equifax) for underwriting inputs and on cloud infrastructure providers for hosting, with AES 256 encryption and TLS in transit. To date, the company has facilitated over $100 million in loans across more than 500 enrolled dental practices.

Dental Finance earns revenue through transaction-based fees: practices pay a small percentage of each funded loan with no enrollment or monthly fees, and lenders monetize promotional 0% interest products (6, 12, 18, 24-month terms). An enterprise pricing layer adds annual contracts with volume discounts, deployment services, lender management, and dedicated technical account management. The customer base is bifurcated: a long tail of SMB dental practices onboarded through self-serve enrollment, plus a smaller enterprise tier of large dental groups and DSOs purchasing integrated, white-label deployments. The company is privately held and bootstrapped, with no disclosed institutional funding rounds.

Name

Dental Finance

Legal name

Dentech Patient Solutions, Inc.

Website

https://dentalfinance.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Dental Finance is a FinTech marketplace that connects US dental practices and their patients with multiple lending institutions via a single application and waterfall decisioning. It provides point-of-sale patient financing, pre-qualification, and white-label solutions to a base of 500+ practices.

Ownership category

akta.pro rank

Headquarters

HQ city

Phoenix

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees on Funded Loans: Dental Finance earns revenue by charging dental practices a small fee based on a percentage of each funded loan. There are no enrollment or monthly fees. Practices receive direct funding through ACH without recourse.
2. Promotional Financing Interest: Lenders offer 0% interest promotional loans (6, 12, 18, 24-month terms) where interest accrues from the start but is waived if paid in full within promotional period. Revenue may include interest spread on these promotional products.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Dental Finance operates a multi-lender marketplace platform that connects dental practices and their patients with banks, payment networks, and alternative lenders through a single credit application. The platform provides point-of-sale patient financing with instant soft-pull pre-qualification, electronic contract signing, and direct ACH funding, enabling higher approval rates and increased dental case acceptance while removing recourse risk from providers.

Product overview

Dental Finance is a multi-lender marketplace and point-of-sale financing platform for dental practices. The core product is the Multi-Lender Waterfall Platform, which connects dental practices with multiple financial institutions, banks, and alternative lenders through a single credit application. The platform integrates the Point-of-Sale Financing Solution for instant pre-qualification, Text Application for patient submissions, Click-to-Sign Contract processing, and ACH Funding for direct payments. Enterprise offerings include a centralized Dashboard for multi-practice management, Retail Installment Contracts (RICs) generation, and AI-Powered Lender Matching to optimize approval rates. The White Label Solution enables partners to customize the platform experience. The company operates across all 50 states and has facilitated over $100 million in loans through 500+ dental practices.

Differentiator

Problem solved

Functional benefit

Products and services

• Multi-Lender Waterfall Platform Core platform that matches borrowers across the credit spectrum with appropriate lending products through a single application, providing access to multiple lenders and funding sources for dental patient financing.
• Point-of-Sale Patient Financing Solution Patient financing offering for dental practices that delivers instant pre-qualification decisions, higher approval rates, and increased case acceptance at the point of treatment, with no enrollment or monthly fees.
• Enterprise Dashboard Centralized single sign-on dashboard for large dental organizations that consolidates multiple patient finance solutions, providing tools for increasing approvals, handling refunds, managing payment contracts, monitoring performance, and applying multi-practice user permissions.
• White Label Solution Omnichannel white-label customization offering for partners that allows them to maintain ownership of the customer experience while enabling patients to apply for financing, receive approval, and shop on all preferred channels.

Quantifiable outcome

• 5-minute application process with instant loan decisions
• +4 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature6 records

Partnerships

Two partnerships are on record, tiered core.

• D&B, TransUnion, Experian, EquifaxcoreTechnology or IntegrationCredit bureaus and data providers used for personal information processing and credit underwriting decisions. These third-party providers perform identity verification and credit assessment services.
• Cloud Infrastructure ProviderscoreTechnology or IntegrationSecure cloud infrastructure technologies used to host the Dental Finance platform API and all related components, providing security and resilience-enhancing technologies.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Wisetack: Wisetack provides point-of-sale consumer financing to home services and healthcare providers, including dental practices. It uses a soft-pull, multi-lender approach similar to Dental Finance's waterfall model.
• PatientFi: PatientFi is a patient financing platform dedicated to elective healthcare, with a strong dental vertical focus and practice-facing dashboards. It competes head-to-head with Dental Finance in offering aesthetic and dental practices multi-lender patient financing.
• Sunbit: Sunbit is a BNPL platform built for healthcare, automotive, and home services that powers point-of-sale patient financing in dental practices. It is one of the most direct competitors to Dental Finance's multi-lender dental POS product.
• Alphaeon Credit:

Broad incumbents

• Affirm: Affirm is a major BNPL and point-of-sale credit provider expanding into healthcare verticals including dental. It offers broader consumer brand reach and a deep lender balance sheet that competes with multi-lender specialists.
• CareCredit (Synchrony Financial): CareCredit is the dominant dental patient financing provider in the US, offering promotional and extended-payment financing directly to dental practices. It is the primary incumbent Dental Finance is positioned against in the same dental POS financing category.
• LendingClub Patient Solutions:

Emerging players

• Proceed Finance: Proceed Finance is a patient financing platform focused on elective medical and dental procedures with prime and near-prime borrower underwriting. It is comparable to Dental Finance in targeting elective dental case acceptance.
• iCredit (Universal Credit): iCredit / Universal Credit operates a multi-lender patient financing marketplace for healthcare providers including dental. It overlaps directly with Dental Finance in the dental and medical POS financing space.

Others

• Upgrade: Upgrade is a consumer credit platform offering personal loans and credit cards that can be used to fund dental procedures. It is comparable as a competing consumer credit option rather than a direct embedded dental POS lender.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Customer concentration

• Xx.com/DentalFinance_
• Facebookfacebook.com/DentalFinance
• LinkedInlinkedin.com/company/dentalfinance

Revenue estimate

Valuation estimate

Number of profiles

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 Dental Finance