dent.apart - Einfach bessere Zähne

What dent.apart - Einfach bessere Zähne does

dent.apart - Einfach bessere Zähne GmbH is a Dortmund-based credit broker founded in 2017 that connects dental patients in Germany with installment financing for dental treatments. The company operates as a regulated credit broker under §34c of the German Trade Regulation Act (GewO) and is also licensed as an insurance broker under §34d GewO. Its core product, Zahnkredit, offers patient loans of €1,000 to €60,000 over 12 to 120 months at interest rates starting from 2.99%, originated in partnership with PSD Bank Rhein-Ruhr eG.

The business is built around a B2B2C distribution model in which dental practices refer patients to dent.apart's financing platform at the point of treatment. The company reports a network of over 1,000 partner dental practices across Germany, of which more than 300 are publicly listed on its website. Beyond consumer credit brokerage, the company has extended its offering with med.apart (financing for aesthetic and beauty treatments) and smactoring (receivables factoring for dental practices). It also maintains "Der dent.apart Podcast," launched in July 2022, as a content and community channel for dental professionals.

dent.apart generates revenue through commissions paid by credit institutions on successfully originated loans, with no balance-sheet lending activity. The company has not disclosed external funding, appears to operate with a small founder-led team under Managing Director Wolfgang J. Lihl, and operates exclusively within Germany. No AI/ML, proprietary technology platform, or disclosed financial metrics (revenue, loan volume, default rates) are referenced in the available information, which limits insight into unit economics and scaling economics.

Name

dent.apart - Einfach bessere Zähne

Legal name

dent.apart Einfach bessere Zähne GmbH

Website

https://dentapart.de

Company type

Private

Founded year

2017

Operating status

Operating

Short description

dent.apart is a Dortmund-based credit broker founded in 2017 that connects German dental patients with installment loans through a network of 1,000+ partner practices, also offering beauty financing and dental factoring.

Ownership category

akta.pro rank

Headquarters

HQ city

Dortmund

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Kreditvermittlung: dent.apart acts as a credit broker (Kreditvermittler gemäß §34c GewO) earning commission from partnered credit institutions when loans are originated through their platform. The company works with PSD Bank Rhein-Ruhr eG and multiple other credit institutions.
2. Versicherungsvermittlung: Insurance brokerage services under §34d GewO license, earning commissions from insurance product placements related to dental/medical financing.
3. Dental Factoring (smactoring): Through the smactoring brand, dent.apart brokers dental factoring contracts to partner practices, earning brokerage commissions on factoring agreements between dental practices and factoring companies.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

dent.apart is a German credit broker (Kreditvermittler gemäß §34c GewO) that connects dental patients with credit institutions such as PSD Bank Rhein-Ruhr eG so they can repay dental treatment costs in monthly installments of €1,000 to €60,000 over 12 to 120 months, with interest rates starting at 2.99% and 24-hour disbursement. The company also brokers insurance products (§34d GewO) and operates the med.apart sub-brand for beauty/medical financing, plus the smactoring brand for dental factoring.

Product overview

dent.apart operates a dual-product financing platform: the core Zahnkredit product enables dental patients to finance treatments (from 1,000 to 60,000 EUR at rates from 2.99%, up to 120 months) through a network of over 1000 partner dental practices, while the med.apart Beautykredit product offers similar financing for cosmetic and medical procedures. Both products work by redirecting patients to partner credit institutions for approval. The company also offers smactoring, a dental factoring add-on service for practices starting at 1.9%, and distributes educational content through the dent.apart Podcast. The Starterpaket provides partner practices with marketing materials to distribute to patients.

Differentiator

Problem solved

Functional benefit

Brands

• med.apart: A beauty and health credit financing service for cosmetic treatments, similar to the dental credit product but for aesthetic procedures such as facelifts, breast augmentations, and liposuction.

Products and services

• Zahnkredit (Dental Credit) Dental credit financing service enabling patients to pay for dental treatments in monthly installments. Brokered through partner dental practices and partner banks (including PSD Bank Rhein-Ruhr eG and other credit institutions) with amounts from €1,000 to €60,000, terms up to 120 months, and interest rates starting at 2.99%. Designed for self-pay patients and procedures including crowns, bridges, dentures, implants, aligners, and orthodontics.
• med.apart (Beautykredit) Beauty and medical credit financing service for cosmetic procedures such as liposuction, breast augmentation, and facelifts. Enables patients to finance treatments in monthly installments (5.99% for 0–72 months; 6.97% for 84–120 months) through partner credit institutions, with procheck24.de providing the credit comparison and application front-end.
• smactoring (Dental Factoring) Dental factoring service for dental practices. Brokers factoring contracts with transparent, all-inclusive pricing starting at 1.9%, including blind purchasing, installment payments, and reimbursement services, with default protection designed to eliminate payment defaults arising from patient financing.

Quantifiable outcome

• Interest rates up to 50% cheaper than market alternatives
• +4 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature2 records

Partnerships

Three partnerships are on record, tiered related business, minor and core.

• smactoring.derelated businessGTM or Marketing Partnersmactoring.de is a dental factoring brand operated by or closely affiliated with dent.apart, offering accounts receivable factoring services to dental practices. It complements the financing ecosystem by addressing practice cash flow needs.
• procheck24.deminorChannel Partner/ Reseller/ Distributormed.apart directs patients to procheck24.de for credit comparison and loan origination for beauty/healthcare financing. Procheck24 provides the technical credit comparison platform infrastructure.
• Over 1000 Partner Dental PracticescoreChannel Partner/ Reseller/ DistributorA network of dental practices across Germany that have received the dent.apart starter package and actively inform patients about financing options. Partner practices appear in an online directory and receive referrals from patients using the service.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• medipay: German medical and dental patient financing provider offering installment loans for elective medical procedures. Direct comparable to dent.apart in target market and credit brokerage model, though operating across both medical and dental verticals.
• CareCredit: US healthcare financing product from Synchrony Financial enabling patients to pay for dental, vision, veterinary, and cosmetic procedures over time. Closest global analogue to dent.apart's dental credit model, though operating at vastly larger scale.
• Sunbit: US fintech focused on point-of-sale patient financing for dental, auto, and home services. Direct peer in dental patient financing with technology-driven underwriting and same-day approval workflow similar to dent.apart's instant digital flow.
• Proceed Finance: US dental-specific patient financing company serving practices with installment loan products. Direct vertical peer with a similar practice-channel distribution model and B2B2C patient acquisition approach.

Broad incumbents

• smava: Major German loan comparison and brokerage marketplace for consumer credit. Competes with dent.apart on consumer loan origination but operates across the full personal lending market rather than a dental vertical.
• CHECK24: Largest German comparison portal spanning insurance, banking, credit, and consumer finance. Its credit comparison business competes for the same patient loan demand as dent.apart, but with vastly broader scope and stronger brand recognition.
• Verivox: German price comparison platform for energy, insurance, and financial products. Its credit brokerage capabilities make it an indirect competitor to dent.apart for consumer installment loans, though not specialized in healthcare financing.
• Finanzcheck.de: German online credit comparison and brokerage platform operating across consumer loan categories. Competes with dent.apart for dental patient loan origination but at broader scope and with substantially larger marketing reach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@dent.aparteinfachbessereza2030
• Facebookfacebook.com/dent.apart
• LinkedInlinkedin.com/company/dent-apart
• Instagraminstagram.com/dent.apart
• TikToktiktok.com/@dent.apart

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 dent.apart - Einfach bessere Zähne