DentiRate

What DentiRate does

DentiRate is a privately held dental fintech company operating an AI-powered patient financing platform that connects dental practices and Dental Service Organizations (DSOs) with multiple lenders through a single-application workflow. The platform's core technology is a waterfall financing engine that sequentially routes patient applications across lenders starting with the best terms until an approval is achieved, supported by AI-driven matching of borrower profiles to lender products. Headquartered in Los Angeles with 11-50 employees, DentiRate serves three primary segments: dental practices/DSOs (seeking higher treatment acceptance rates and reduced administrative burden), lenders and financial institutions (seeking pre-qualified dental patient leads), and dental patients (seeking financing across credit tiers, with English and Spanish language support).

DentiRate's product portfolio consists of a core platform plus four modular components: DentiRate Financing (multi-lender patient financing), DentiRate Payment Processing (an October 2025-launched module reducing net card acceptance costs from approximately 3% to 1-2%), the DentiRate Lender Dashboard (analytics for lending partners), and the DentiRate Affiliate Program (November 2025-launched B2B channel for DSO introductions). The platform integrates with lender partners including Healthcare Financing of America (HFA), Mulligan Funding, Clarity Pay, CoveredCare, SplitIt, and Alphaeon/Bread Financial.

The business model combines a flat monthly platform subscription fee from dental practices, transaction-based fees on funded loans, lead fees from lenders, payment processing transaction fees, and revenue share to affiliate partners. Go-to-market is sales-led direct to dental practices and DSOs, supplemented by a B2B affiliate channel targeting consultants, agencies, brokers, and industry operators. The company operates exclusively in the United States and is governed as Dentirate, LLC under California law. Leadership comprises CEO Ali Touchaei, CMO Abdi Javidan, CTO Mahyar Vajedi, and Executive Business Development Officer Michael Clark. No external institutional funding, acquisitions, or revenue figures have been disclosed.

Name

DentiRate

Legal name

Dentirate, LLC

Website

https://dentirate.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

DentiRate is a Los Angeles-based dental fintech operating an AI-powered patient financing platform that connects dental practices and DSOs with multiple lenders via a single-application waterfall routing workflow, supplemented by integrated payment processing and a B2B affiliate channel.

Ownership category

akta.pro rank

Product category

Dental Patient Financing

NAICS

Activities Related to Credit Intermediation (5223), Sales Financing (52222)

SIC

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

akta.pro primary industry

BNPL Underwriting & Credit Decisioning Platforms (FSAGAIAD)

Keywords

• Dental patient financing
• Healthcare fintech
• Multi-lender matching
• Practice financing platform
• Payment processing solutions

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform Fees - Lenders: Lenders compensate DentiRate through a Lead Fee for receiving pre-screened consumer applications that are more likely to gain approval, optimizing their processes and reducing time on less promising leads.
2. Platform Fees - Dental Practices: DentiRate charges a flat monthly platform fee with no setup costs. Transaction-based fees are only applied when a loan is funded and may vary depending on the lender and financing product selected.
3. Transaction-based Loan Fees: Applied when a loan is funded, varying depending on lender and financing product selected. All fees are transparent and competitive with no hidden charges.
4. Payment Processing Fees: Integrated payment processing module enables dental practices to reduce processing costs to 1-2%, generating revenue through transaction fees on card and ACH payments.
5. Affiliate Revenue Share: Revenue share from affiliate partners when their referred DSOs go live and transact on the platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

DentiRate operates an AI-powered patient financing platform connecting dental practices, patients, and multiple lenders through a single application workflow. Its waterfall financing technology automatically routes applications through multiple lenders to maximize approval rates, alongside an integrated payment processing module that reduces merchant card acceptance costs from approximately 3% to 1-2%. The platform also offers in-house financing tools with risk controls, analytics dashboards, and multilingual (English/Spanish) patient support.

Product overview

DentiRate is a dental financing fintech platform operating as a unified ecosystem with a core AI-powered platform and modular add-ons. The core DentiRate Platform connects dental offices, patients, and multiple lenders through a single application workflow. Key modules include: DentiRate Financing (multi-lender patient financing with AI-powered matching and waterfall routing), DentiRate Payment Processing (integrated payment acceptance reducing costs to 1-2%), the DentiRate Lender Dashboard (analytics and performance reporting for lenders), and the DentiRate Affiliate Program (B2B partner compensation for DSO referrals).

Differentiator

Problem solved

Functional benefit

Products and services

• DentiRate Platform Core AI-powered patient financing platform connecting dental offices, patients, and multiple lenders through a single application workflow. Provides waterfall lender routing, in-house financing tools, multi-lender matching, and integrated payment processing for dental practices and DSOs.
• DentiRate Payment Processing Module Integrated payment processing module enabling dental practices to accept card and ACH payments with reduced processing costs of 1-2%. Supports deposits, split payments, recurring schedules, card-on-file storage, link-to-pay via SMS/email, and optional countertop terminals. Deployable standalone or alongside DentiRate Financing.
• DentiRate Financing Multi-lender patient financing module providing tailored loan options for dental patients across all credit profiles. Features AI-powered matching, waterfall routing through multiple lenders, real-time pre-qualification with soft credit checks, and access to lender partners offering terms from 0% APR to longer payback periods.
• DentiRate Lender Dashboard Analytics dashboard for lenders to track financing application performance, view data analytics, identify trends across geographic regions, and gain insights into dental care provider and patient preferences.
• DentiRate Affiliate Program B2B affiliate program for consultants, agencies, brokers, vendors, lenders, and industry operators introducing DSOs and dental groups to DentiRate. Partners receive co-branded materials, dedicated contacts, monthly reporting, and revenue share when referred groups run their first funded application.

Quantifiable outcome

• Over 95% patient approval rates for financing applications
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability3 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• Lake LibertycoreChannel Partner/ Reseller/ Distributor · 12 November 2025Lake Liberty acts as an outreach partner in DentiRate's affiliate program targeting DSOs and dental groups. They are beginning outreach across their DSO networks to introduce DentiRate's multi-lender platform.
• Healthcare Financing of America (HFA)coreTechnology or Integration · 3 November 2025DentiRate partnered with HFA to integrate their patient financing platform, offering zero-interest financing programs to dental practices. The integration features real-time decision-making, standardized billing, and scalable infrastructure with phased rollout. HFA provides true 0% APR financing with no hard credit checks and manages collections from approval through completion.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• CareCredit (Synchrony Financial): CareCredit is the dominant dedicated patient financing product for dental and healthcare, offering revolving credit lines accepted at hundreds of thousands of provider locations. It is the most direct competitor to DentiRate, with comparable product positioning and the same target customer (dental practices and patients), but with decades of incumbent advantage and Synchrony's balance sheet behind it.
• PatientFi: PatientFi is a patient financing platform purpose-built for elective medical and dental procedures, offering practices a single-application workflow and patients extended payment plans. It competes head-to-head with DentiRate for DSO and practice accounts in elective dentistry and aesthetic medicine.
• Proceed Finance: Proceed Finance offers patient financing specifically targeting elective medical and dental procedures through partnerships with provider groups. It is a direct competitor in the DSO and dental practice patient financing space with comparable multi-lender routing mechanics.
• Sunbit: Sunbit is a BNPL-focused fintech that finances everyday purchases including dental and other healthcare procedures through a multi-lender platform with a soft credit-check application flow. It is a direct competitor to DentiRate's patient financing offering, often embedded into dental PMS systems and competing for the same DSO relationships.
• Cherry Technologies: Cherry offers point-of-sale financing for healthcare practices, including dental, through a soft-credit-check application and multi-product payment plans. It is a direct competitor to DentiRate in dental practice patient financing with overlapping lender-partner model.
• Alphaeon Credit (now part of Bread Financial): Alphaeon Credit, acquired by Bread Financial, is one of DentiRate's named lender partners but also operates as a competing direct-to-practice patient financing program in dental, ophthalmology, and cosmetic care. The dual relationship highlights the overlap between DentiRate's platform approach and Bread's established DSO partnerships.
• Wisetack: Wisetack provides BNPL financing for services including home services and healthcare, with practices able to offer patients installment plans via integrated workflows. It is a direct peer in patient financing with comparable technology positioning and overlapping dental/medical provider targets.
• Denefits: Denefits provides patient financing plans for healthcare procedures including dental, with both lender-funded and in-house financing options. It competes directly with DentiRate in serving dental practices and DSOs seeking flexible payment solutions for patients across credit tiers.
• iCare Financial: iCare Financial provides patient financing programs marketed specifically to healthcare and dental providers, with an in-house and multi-lender financing model. It is a direct peer competing for the same dental practice customer base as DentiRate.

Broad incumbents

• LendingPoint: LendingPoint is a broader consumer lending fintech that originates personal loans used in part for medical and dental procedures, and could serve as a lender partner within platforms like DentiRate's waterfall. It is comparable as a capital provider rather than a direct practice-facing competitor, representing the broader fintech lending landscape DentiRate operates against.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/dentirate
• YouTubeyoutube.com/@DentiRate
• Facebookfacebook.com/dentirate1
• LinkedInlinkedin.com/company/dentirate

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 DentiRate