Medical & Patient Financing

Healthcare has a payment problem. Insurance covers less, deductibles are higher, and patients increasingly face significant out-of-pocket costs. Many delay or decline treatment not because they don't want it—but because they can't pay for it right now.

Patient financing solves this problem. When a patient learns they need a $3,000 procedure with $1,500 out-of-pocket, financing transforms "I can't afford this" into "I can manage $125/month." Treatment happens. Patients get better. Practices get paid.

The healthcare categories benefiting most from patient financing are those with significant elective or out-of-pocket components: dental, cosmetic, vision, fertility, veterinary, chiropractic, and elective surgical procedures.

For practices, the benefits extend beyond individual patient conversion. Treatment acceptance rates increase 30-60% when financing is offered. Patients choose more comprehensive treatment plans when monthly payments are manageable. Case values increase as patients don't have to settle for lesser options.

The patient experience matters too. Medical financing providers like CareCredit, Alphaeon, and Lending Club offer healthcare-specific terms including promotional 0% APR periods. Patients appreciate financing designed for healthcare, not generic consumer lending.

From a practice operations standpoint, patient financing improves cash flow predictability. You receive payment upfront (or within days), eliminating patient payment plan administration and collections headaches. The financing company handles billing the patient.

Unison Payment Solutions integrates patient financing with your practice management and payment systems. Present financing options naturally during treatment discussions. Patients apply in-office with quick decisions. Approved patients can proceed to treatment immediately.

How It Works

1. Apply online — takes less than 10 minutes
2. Get approved — most merchants within 24 to 48 hours
3. We configure everything — custom settings, integrations, and branding
4. Hands-on training — your team learns every feature

What you will not find with Unison:

• No long-term contracts
• No early termination fees
• No setup charges

Already with another provider? We analyze your current setup, find savings, and manage the full switch. Contact us today for a free consultation.

Unison works with businesses of all sizes. Whether you run a single location or manage dozens, medical & patient financing adapts to your needs.

Small Businesses & Startups

• No contracts, no setup fees, no minimum volumes
• Same enterprise-grade technology as larger merchants
• Dedicated account manager from day one
• Scales with you as your business grows

Established & High-Volume Businesses

• Custom pricing based on volume
• Multi-location management and reporting
• API integrations with existing systems
• Priority support and a single relationship manager

High-Risk Industries

CBD, peptides, gaming, and eCommerce businesses get stable accounts through our high-risk merchant accounts. We pair you with banks that specialize in your industry and include chargeback prevention and fraud monitoring.