See the Proceed Finance Difference

  Proceed Finance Competitor #1 Competitor #2
Product Type Fixed Term Lender Fixed Term Lender Credit Card
Interest Rates 3.99% - 18.99% APR** 3.99% - 24.99% APR** 14.90% APR** for 24, 36, 48 month loans
16.90% APR** for 60 month loans
Repayment Terms^ Up to 96 months Up to 84 months Up to 60 months
Loan Amount $2,500 - $70,000 $2,000 - $50,000 Up to $25,000
Late Fees Lesser of 5% of monthly payment, or $10 Lesser of 5% of monthly payment, or $5 Up to $37
Prepayment Penalties No No No
Instant Decisioning Yes Yes Yes
Down Payment Required No No No
Origination Fees to Patient No No No

** APR = Annual Percentage Rate
^ Not all terms are available to all Good and Fair Credit borrowers

Estimate your monthly payment.


Annual Percentage Rate


Monthly Cost


* Not all repayment terms are available at all credit ratings.

Why Choose Us

Our Promise to You — We founded our company on two ideas: that patients should be able to seek treatment without incurring insurmountable financial challenges, and that every party involved should have access to a fair financing product. When you choose our services, you can be assured that not only will your patients have the best possible care from you, but also the best possible way to pay for it. And we'll never assess hidden, origination, or application fees, or any number of costs and stipulations that many other providers charge.

Grow Your Business — Proceed Finance generates instant credit decisions and quick funding, leading to happy patients who are likely to return for future treatment and refer friends and family.

Discover the Benefits — We like to keep it simple. Easy to understand statements, quick delivery of approved funding, and online account management are just a few of the tools we offer to make working with us a snap. We also pride ourselves on exceptional 1-on-1 service and account analysis.

Make the right choice for your patients and your practice.


  • We offer longer repayment terms and lower interest rates than our competitors to a broader spectrum of borrowers, so that a larger percentage of patients can receive treatment.

  • At minimum, a potential borrower must have $24,000 or more in gross annual income, a satisfactory credit report, a valid email address, and be able to afford the monthly payment to be offered a loan. We use a number of decisioning factors to make an instant determination so the patient will know immediately if there are loan options available to them.

  • Proceed Finance loans are fully funded up front, with no repayment risk to providers.  We take on the borrower’s repayment risk so you can focus on more important things, like treating your patients.

  • We are committed to rapid delivery of funds. Loan proceeds will be deposited directly into your designated account, and will usually settle the next business day after our review and approval of uploaded signed loan documents.