Defenders of Your Profit  |  USA and PR

Instant Patient Loan

Instant Loans for your Patients and clients much beyond CareCredit™

Next-day funding. Text-based applications. Instant approvals. More clients and patients say \u201cyes\u201d. Your practice or auto shop keeps more revenue.

90%

approval odds

Seconds

decision via text

Next day

funding

$100K

max loan amount

For These Industries.

Retail credit card processing
Retail
Auto credit card processing
Auto
Spas credit card processing
Spas
Dental credit card processing
Dental
Medical credit card processing
Medical

Chiropractic, spas, dermatology, cosmetic, dentistry, health systems, automotive, hospitals, healthcare specialists, hearing, labs, diagnostics, medical equipment/supplies, pharmacies/general wellness, primary care, sleep, spa, weight loss & nutrition, funeral cremation/burial.

A Decision In Seconds.

Text-based, instant-decision loan for patients and automotive clients that delivers a decision in seconds via text, funds the next day and provides higher limits with the lowest APRs in the industry. Even clients with challenged credit get approved more often, making your clinic, spa or automotive services affordable instantly.

Comparative Chart against CareCredit.

What mattersIPSCareCredit

Low Merchant Fee

✓5% – 12% Lower fees, no hidden charges
✕6% – 15% Especially high for long-term plans

Highest Approval Odds

✓90% approved
✕50% approved

High Approval Odds

✓More people get approved even with bad credit
✕Stricter credit = more declines

Next Day Funding

✓Next business day
✕2–3 business days

Highest Loan Amount

✓$500 – $100,000
✕$300 – $25,000

Lowest APR

✓0% – 21% Competitive & capped
✕0% – 35% Can scare away patients

Instant Approval

✓Seconds via text — no logins, no apps, no friction
✕Web-based app — takes longer

Fastest Onboarding

✓24–48 hours Quick and easy onboarding
✕Slower onboarding

Extensive Integration Options

✓QR code, Text message, API, link, web, Portal, POS integration.
✕Portal or POS integration

No Credit Card Required

✓No credit card needed = More approvals.
✕Credit card required by applicant.

Recourse / Chargebacks

✓Non-recourse loan. Loan provider handles refunds/chargebacks like usual
✓Non-recourse loan. Loan provider handles refunds/chargebacks like usual

Extended Industries

✓Med Spa, Dental, Vision, Auto, Retail, Wellness, Automotive
✕Med Spa, Dental, Vision, Auto, Retail, Wellness

Give Your Clients or Patients the Benefit of an Instant Loan

Stop losing clients or patients to CareCredit denials. With instant approvals, next-day funding and a simple text application, you can say \u201cyes\u201d to more patients.

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