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Practice Revenue Protection
Stop Losing Treatment Plans To Financing Declines!
HelloRates is the only patient financing program in the market that helps you recover declined credit treatment plans & eliminates practice merchant financing fees!
Use the program seamlessly alongside your current lender or as your standalone full featured financing solution.
HelloRates is the only patient financing program in the market that helps you recover declined credit treatment
plans & eliminates practice merchant financing fees!
Use the program seamlessly alongside your current lender or as your standalone full featured financing solution.
See How We Protect Revenue & Margin
Trusted By 10,000+ Practices to Complete Their Financing Stack
Trusted By 10,000+ Practices to Complete
Their Financing Stack
A Costly Problem for Practices
Most Financing Programs Create Two Costly Revenue Risks
Merchant fees reduce net revenue per case. Together, they lower total practice revenue.
Big Risk #1
Declines Below 650 FICO
Most programs decline applicants below 650 FICO
Declined treatment plans rarely move forward
Every decline reduces total revenue
Result: Lost Treatment Plans & Revenue
Big Risk #2
5-15% Merchant Financing Fees
Approved treatment plans often carry merchant fees of 5-15%
Fees are deducted from revenue
High-fee plans eat into profit margins
Result: You get the treatment - but lose the margin
A Simple Solution
HelloRates Fixes Both Without Replacing Your Current Lender
The HelloRates Turn-Key Solution
Adds a second approval path to complete your financing stack
Approves patients down to 500 FICO scores
Provides gap financing for partial approvals
Eliminate per loan & merchant financing fees
No paperwork. No training. No workflow changes.
No paperwork. No training.
No workflow changes.
Our zero work promise lets you offer the program in under five minutes.
Revenue & Margin Protection on Every Financed Deal
Expanded Approvals. Zero Financing Fees.
Expanded Approvals
Each patient application is evaluated across multiple approval paths to help recover treatment plans your primary financing partner declines.
Zero Financing Fees
No merchant financing fees. No per-case fees. No financing charges. Your practice keeps more of every approved treatment plan.
Flexible Deployment
Use it alongside your existing financing partner or operate it as your primary patient financing program
See How We Protect Revenue & Margin
A Second Approval Path that Completes Your Financing
Single-path Financing Limits Case Acceptance
If financing influences treatment acceptance, relying on one lender
creates risk.
That risk shows up as:
If financing influences treatment acceptance, relying on one lender creates risk.
That risk shows up as:
Patient Credit Declines That Stall Treatment
Patient Credit Declines That
Stall Treatment
Short Approvals That Reduce Case Value
Short Approvals That Reduce
Case Value
Merchant Financing Fees That Cut Into Profitability
Merchant Financing Fees That
Cut Into Profitability
Expanded approval coverage and gap financing remove single-point-of-failure risk from every treatment plan.
Expanded Approval Examples
Close The Financing Gaps & Watch Your Revenue & Profits Increase
Most practices lose revenue in two ways. Declined treatment plans and merchant financing fees. Here is what that looks like in real numbers.
Dental Treatment Plan $12,800
Primary Lender Declined Exposing $12,800 in Losses
HelloRates Approved & Funded
Full Revenue Preserved
Medical Procedure $18,500
Primary Lender Approved $7,000 Leaving $11,500 Short
HelloRates Covered The Shortfall
Full Treatment Saved
Orthodontic Case $7,900
Primary Lender Approved With 10% Merchant Financing Fees
HelloRates Eliminated The Fees
Full Margin Preserved
See How We Protect Revenue & Margin.
Expanded Approvals And Profits
IIf financing impacts case acceptance, it should protect production instead of limiting it.
HelloRates increases approval coverage, provides gap financing, and eliminates merchant financing fees without adding complexity to your front desk workflow.
Simple Application
Soft credit pull. No impact on patient score.
No Merchant Financing Fees
No per-case charges. No hidden costs.
See How We Protect Revenue & Margin.
HelloRates By the Numbers
30+
Integrated Lending Solutions
45+
Real-time Expanded Approval Paths
10,000+
10,000+ Practices Using Expanded Coverage
$100M+
Financed Through Expanded Approvals
Practice Testimonials
Real Practices. Real Revenue & Margins Protected
Declined Deal Saved
”We had a $9,600 treatment plan declined by our primary financing partner. HelloRates approved it. Without the second approval path, we would have lost that case.”
Jennifer Czarski
Arch Total Wellness Spa
Financing Fees Eliminated
"Merchant financing fees were cutting into our margins. With HelloRates we pay no merchant financing fees. It has improved our profitability significantly."
Dr Sandy Nguyen DDS
Lowcountry Smiles
The ROI For Your Practice Speaks For Itself
One patient financed or one transaction fee eliminated and the program has paid for itself.
Recover patients lost to credit declines
Stop paying unnecessary financing fees on your own procedures
10,000 practices already have.
Credit declines cost you patients. Transaction fees cost you revenue.
Fix in minutes!
See How We Protect Revenue & Margin
HelloRates helps medical and dental practices recover declined treatment plans, provide gap financing for short approvals, and eliminate merchant financing fees. Designed to protect revenue and strengthen margins whether used alongside your current financing partner or as your standalone patient financing program.
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