How much is third-party patient financing costing your practice?
Many practices spend 17–22% of financed revenue when merchant fees, operational effort, and patient leakage are included.
For a mid-sized practice, that often translates to $300,000–$500,000 per year.
The Costs Beyond the Merchant Rate
Most practices evaluate financing based on the merchant rate alone. But the total impact goes further:
Approval limitations
Relationship risk
Patient portability
Administrative overhead
What the Calculator Shows You
In under two minutes, you’ll have a clear picture of:
- Your true annual financing cost — not just the merchant fee
- How much of your financed revenue is going to your provider
- The operational and indirect costs most practices overlook
- What that spend could fund if redirected into your practice
Built for Healthcare Decision Makers
Practice Owners & Physician Leaders
- See the real margin impact of your current financing setup
- Compare what you're paying vs. what's possible in-house
- Identify the biggest cost levers you can actually control
Practice Managers & Operations Leaders
- Put a number on the staff hours going to financing admin
- Build the case for simplifying workflows and vendor consolidation
- Get data to support budget and vendor conversations