Dental Patient Financing With HFD

Give Every Patient a Clear Path to Care — With High-Approval, Low-Effort Financing Solutions

Dental care shouldn’t be delayed because of upfront costs. With HFD, dentists can offer simple, flexible payment plans that make treatment more accessible for their patients, while their practice gets paid upfront.

Top Names in Dental Use HFD

Leading dental and healthcare providers rely on HFD to offer their patients flexible financing while maintaining financial stability for their practices.

Why Thousands of Practices and top DSOs Trust HFD

99%+ Approval Rate* Means More Patients Say “Yes”
0% Option for Every Credit Tier
Fast, Guaranteed Funding to Your Practice
No Risk, No Collections, No Extra Admin Work
Real Human Support + In-Office Training

The Preferred Financing Partner of Invisalign

We’re proud to be recognized as the Preferred Financing Partner of Invisalign^® — offering exclusive pricing for Invisalign-certified providers.

Patient-Friendly Dental Payment Plans

Flexible Terms for Any Budget

Patients of your dental practice can choose payment plans that meet their needs, from short-term to multi-year financing. HFD covers up to $35K, with low monthly payment options and realistic qualification standards.

Fast, Simple Application

The entire process takes under 3 minutes from a mobile phone.

No hard credit pull
No impact on credit score
Instant decisions

Send the application via text or email and let HFD handle the rest.

0% APR Options for Every Credit Tier

Offer competitive, attractive financing like $0 down, 0% APR, and affordable monthly payments, depending on patient qualifications and provider program.

Clear, Transparent Terms

HFD is designed for healthcare, not retail lending. No hidden fees. No confusing interest structures. Just clear, simple financing that helps patients move forward with the dental care they need with financing options of up to 84 months.

Plans Perfect for All Types of Dental Care

General Dentistry
Cosmetic Dentistry
Implants & Restorative Dentistry
Orthodontics & Invisalign
Emergency & Urgent Care

Why HFD Outperforms Other Dental Financing Options

Others

Approval Rate

99%+
Our providers can confidently offer a plan to every patient.

0 – 85%

Hard Credit Check

Never
Not when a patient applies. Not when they fund.

Yes when funding

HSA / FSA Eligible

Yes
Patients can use those funds for both down and monthly payments.

Nope

Partial Approvals

Never heard of ‘em
Patients get the full amount for treatment. No gaps, no surprises.

Yes

0% Option for All Credit Types

Yes
No interest options available for every approved patient, regardless of credit.

No, plus lower credit types don’t qualify for any funding

Real Human Support

Yes

Built Specifically For Dental

Yes

"Our teams feel so much more confident offering financing now that we have HFD. It’s taken the stress out of payment conversations with our patients. The process is fast, clear, and truly puts the focus back on patient care where it belongs. Our patients feel support and our staff feels empowered. It’s a win for everyone."

West Coast Dental

“I am able to close so many more Invisalign cases in my office because of HFD. No other company is able to provide nearly 100% approval for all patients! It has been a game changer for my practice and the support I have received from my Area Manager has been top tier!"

House of Smiles

Frequently Asked Questions

Do we need to manage the payment plans or collections?

No, HFD takes care of servicing, payment collection, delinquency management, and customer support for your patients.

Is there a setup fee to get started?

No, there is no setup fee. You can begin offering financing to your dental patients with no upfront cost.

What types of patients are most likely to be approved?

Almost all — HFD approves 99%+ of applications. Only a few situations result in denial.

How fast does funding arrive?

Your dental practice receives payment in 2–3 business days.

Does applying affect the patient’s credit score?

No. HFD does not perform hard credit pulls and the application process will not affect a patient’s credit score.

Can HFD finance large treatment plans?

Yes, HFD plans can finance up to $35,000 covering treatments, including general dentistry, orthodontics, and Invisalign.

Ready to Grow Your Dental Practice With Better Financing?

Give patients a simple path to dental care they need, and give your team a financing partner that makes your job easier. Connect with a team member to learn more about why HFD is an industry leader when it comes to affordable financing solutions for your dental patients.

You can also get answers to even more questions about how HFD works and helps dental patients in need of financing, at our Dental Patient Financing FAQ page.

Connect with a team member.

*Applicants may be declined financing with any HFD program due to an association of an open bankruptcy, government watchlist, or inability to properly identify a debtor. Underwriting considers multiple factors beyond credit score. HFD’s Bank Loan Program is issued by Hatch Bank, a California-chartered industrial bank.