MedPay is the routing layer between your front desk and a panel of patient-financing lenders. One application in. Pre-qualified offers out. Every credit decision belongs to a lender. Every disclosure happens on the lender's surface.
Six steps. Two of them belong to your front desk. The credit decision never does.
Financing starts with the provider. Your front desk sends the patient a link or hands over a tablet in the office. Patients only ever arrive through a practice. MedPay runs no patient acquisition of its own.
The patient pre-qualifies in under a minute. Pre-qualification uses a soft credit check with no impact on their score.1 The application captures financial and identity data only. Nothing clinical is asked and nothing clinical is stored.
We route the single application to the MedPay lender panel. Each lender underwrites on its own criteria. Application-to-decision time is typically under 2 minutes during business hours.2
The patient sees their pre-qualified offers side-by-side before committing. Amounts and terms are compared in one view. Nothing is selected for them and nothing expires in a countdown. We do not manufacture urgency.
Acceptance happens on the lender's own application with full Truth in Lending disclosures including APR and payment schedule. A hard credit inquiry can only happen here and only with the patient's explicit consent. If a lender declines, the lender delivers the required adverse-action notice.
Funding and repayment run on the lender's terms. Your front desk sees status without chasing anyone. The patient gets care without the financing conversation stalling the treatment plan.
A financing layer earns trust by knowing exactly where its job ends.
Patient pre-qualification with a soft credit check1
Typical application-to-decision time2
Most practice setups live within 5 business days3