Patient Financing · Dental
Dental practices using multi-lender financing see case acceptance move from the 40-60% range into the 70-85% range. One soft-pull application surfaces offers from the full network. You get paid upfront while your patient picks a payment plan.
Typical financed case range across general, cosmetic, and implant dentistry
Median patient application completion time at the front desk
No impact to patient credit to see offers
Cost to patients from Core Ascent directly
How Financing Works
Single-lender dental financing programs approve 40 to 60 percent of applicants. Our multi-lender rotation moves that into the 70 to 85 percent range. Prime patients see prime rates. Subprime patients still get approved through lenders who specialize in their profile.
Your patient sees their offers before committing. No hard inquiry, no credit score impact, no fear to click apply. This alone changes consultation dynamics in practices where patients used to walk out to "think about it."
Once a patient selects an offer and the lender funds the loan, your practice is paid in full, typically within two business days. You are not carrying receivables on the patient. The lender does.
Cosmetic cases at $5,000, implant reconstructions at $25,000, full-arch at $40,000 plus, orthodontic programs across 18-month plans. The lender mix is built to serve the ticket spread a real dental practice sees.
Typical Cases
Implants
Single-tooth to three-unit implant cases typically finance across 24 to 60 month terms. Approvals run across the full credit spectrum through our rotation.
Full-Arch / All-on-X
High-ticket reconstruction cases need lenders comfortable with larger loan amounts. Our network includes specialty lenders built for these cases.
Orthodontics
Clear aligner and traditional ortho programs. Longer-term financing, often 24 to 48 months, keeps monthly payments manageable for families.
Who This Fits
Frequently Asked
Single-lender programs route every application to one lender's underwriting rules. Patients who do not fit are declined, period. Our platform routes the same application to multiple lenders in sequence or parallel, so patients who are declined by one lender have a real chance of approval through another. Typical approval rates move from 40-60 percent into the 70-85 percent range as a result.
If the lender you currently use is already in our network, they are typically active on day one of your enrollment. You continue to work with them the same way. The addition is that declined applications now route to other lenders in the rotation instead of ending the conversation.
Most dental practices are fully set up within one to two weeks. The technical platform configuration is fast. Your office manager will complete individual lender enrollments, which is the part that sets the pace.
The initial application is a soft credit inquiry, which does not impact credit scores. If a patient accepts an offer and moves forward, the funding lender may conduct a hard inquiry at that point. That hard inquiry is conducted by the lender, not by Core Ascent.
A $375 platform setup fee applies to provider enrollment. This is disclosed in writing during onboarding. There are no per-application fees, no monthly minimums, and no fees to patients from Core Ascent directly.
No. Core Ascent is a facilitator, not a lender. Capital is provided by vetted third-party lending partners, and credit decisions are made by those partners. See our Trust Center for full disclosures.
Next Step
Enroll your dental practice or start a conversation with our team. Most practices are fully live within one to two weeks.
Trust & Disclosures