We match your practice to patient credit lenders that actually approve. Most practices use one financing partner and lose half their applicants to declines — we connect you to a stacked lender network across prime, near-prime, and second-look credit, so more patients say yes.
Elective procedures, dental work, chiropractic care, men's and women's vitality, aesthetic treatments, wellness programs — most of it isn't covered by insurance. Even motivated patients hesitate when faced with the full cost at the time of service.
Without a financing option, the consultation ends with "let me think about it" and the patient doesn't come back. A patient credit program changes that conversation. When the cost can be spread over time, patients commit — and your practice grows.
One financing partner isn't a strategy.
Most practices work with a single patient credit provider, often without realizing how much that one choice shapes every application outcome. If that provider only approves prime credit, you lose every near-prime and subprime applicant — no matter how motivated they are.
Capital Sources matches you to a lender stack that covers the full credit spectrum: prime as your primary, near-prime and second-look as backstops. More applicants approved means more patients in care means more revenue. We've already done the work of identifying which lenders work for which specialties, geographies, and patient profiles. You start from a shortlist instead of a search.
We work with practices across the elective and cash-pay healthcare spectrum.
Patient credit is a financing arrangement extended by a third-party lender — not the practice itself. Instead of the practice carrying the receivable on its own books and chasing payment over months, the lender pays the practice up front (less a small advance-rate discount) and the patient repays the lender directly in installments.
For the practice, that means predictable cash flow and no in-house collections. For the patient, it means a single approval decision and a fixed monthly payment — typically with promotional terms like deferred-interest or low-fixed-APR plans depending on credit profile. Capital Sources matches your practice to patient credit lenders whose underwriting actually fits your patient mix, so more applicants get approved.
Patient credit options for medical treatments generally fall into three tiers. First, super-prime-only lenders (the most familiar names) — fast approvals for patients with strong credit, but a high decline rate for everyone else. Second, full-spectrum lenders — broader underwriting that approves prime, near-prime, and some subprime applicants on the same application, usually at lower advance rates to the practice. Third, second-look lenders that specifically pick up applicants the primary lender declined.
The right setup for your practice depends on your patient mix and your margins. We help you weigh that trade-off and match you to the lender stack that fits — usually a combination of two or more, sequenced as a waterfall.
Yes — if your patient credit program is built for it. Our lender network spans the full credit spectrum, including second-look and near-prime specialists. When a patient is declined by a prime lender, the application can be routed to a second-look lender that often approves on different terms. Without that backstop, the patient walks away. With it, they stay in care.
Nothing. No fee, no retainer, no invoice. Capital Sources is compensated by the lender side when an introduction results in an approved arrangement — the standard model across financing intermediary work. You get a matched lender, a facilitated introduction, and support through approval at no cost.
Weeks, not months. Our part — identifying the right lender, making the introduction, supporting the approval process — usually takes a single conversation plus follow-up. The lender's onboarding then runs on their standard timeline. Because we pre-qualify the fit before introducing, there are no wasted cycles chasing lenders whose credit box doesn't match your patients.
Three questions. One business day. We'll tell you what a fit could look like — no obligation.