Elective Medical Financing
Make it easier for patients to move forward with the care they want while helping your practice increase treatment acceptance. Elective Medical Financing connects your patients with multiple trusted lending partners through a single application, giving them flexible payment options for procedures that may not be covered by insurance.
Whether you operate a cosmetic surgery practice, dental office, vision center, med spa, dermatology clinic, fertility practice, or another elective healthcare business, offering financing can remove one of the biggest barriers to treatment—the upfront cost.
Help More Patients Say “Yes” to Treatment
Many patients delay or decline recommended procedures because they cannot pay the full amount upfront. By offering financing, you can make treatments more affordable through convenient monthly payments.
Our platform helps practices:
- Increase treatment acceptance rates
- Improve patient satisfaction
- Grow revenue without discounting services
- Reduce financial objections during consultations
- Offer multiple financing options with one application
- Receive funding quickly after approval
No setup fees. No monthly fees. No platform fees.
Providing Elective Medical Financing for Patients and Various Medical Specialties
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How It Works for Patients
Three steps. That’s it.
Patient applies once
They get matched to multiple lenders
They pick an offer, you get paid
How It Works for Your Practice
Six Distinctions.
25-30% more approvals
Multiple lenders means patients who'd be declined elsewhere still get approved through Ottri.
Your brand, not ours
The patient experience is fully branded to your practice. Your logo, your colors. They trust you, not a lender.
Send from anywhere
SMS, email, QR code, website embed — financing at every point of contact. Send a link while they're still in the chair.
Live in 15 minutes
No 30-day onboarding. No paperwork gauntlet. Sign up, configure your brand, start sending.
Real-time dashboard
Track every application, see who's approved, funded, and at-risk. Know what's happening before your patients do.
No platform fees
No setup fees. No monthly fees. No software charges. Standard lender rates apply — often as competitive as going direct.
Stop losing patients to a
system that was never built
for them.
Join the practices already recovering revenue with multi-lender
financing. No platform fees. Live in 15 minutes.
Elective Medical Financing for Practices Across the US
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington DC
West Virginia
Wisconsin
Wyoming
The Real Cost
Five words that cost your practice $14,000:
“Let me think about it.”
A patient walks in ready for a $4,500 procedure. They hit a payment wall, get declined by your single lender, and leave. They don’t come back. You don’t just lose $4,500 — you lose their lifetime value.
Your patients aren’t saying no.
Your financing setup is.
One application. Multiple lenders. 25-30% more approvals.
Ottri’s multi-lender platform finds patients the best financing option — so they schedule, not stall.
Why Medical Practices Choose Elective Medical Financing
Our goal is to make patient financing simple, efficient, and effective.
Practice Benefits
- No complicated application process
- Multiple financing options for patients
- Fast implementation
- Secure online platform
- Responsive support
- Increased treatment acceptance
- Higher average procedure values
- Better patient experience
Offering financing can also reduce cancellations caused by financial concerns and help patients begin treatment sooner.
Benefits for Patients
Patients appreciate having financing options that allow them to receive treatment without waiting months or years to save the full amount.
Patients can enjoy:
- Affordable monthly payments
- Fast financing decisions
- Multiple lender options
- Convenient online application
- Financing for many types of elective procedures
- The ability to move forward with treatment sooner
Frequently Asked Questions
Elective medical financing allows patients to pay for eligible medical procedures through affordable monthly payments instead of paying the entire cost upfront.
Patients complete one secure application that can be evaluated by multiple participating lenders.
Many applicants receive financing decisions quickly, allowing them to move forward with treatment sooner.
We work with many healthcare providers, including cosmetic surgeons, dentists, orthodontists, med spas, dermatologists, fertility clinics, vision centers, and other elective healthcare practices.
Offering financing can increase treatment acceptance, improve patient access to care, and help practices grow revenue by reducing financial barriers.
Disclaimer: Financing terms, amounts, rates, and approval are subject to underwriting and vary by program. This content is for informational purposes and does not constitute financial advice.