Question 1

What is direct-to-borrower financing?

Accepted Answer

This is a personal loan given directly to the client, allowing them to cover any treatment or procedure they need without restrictions.

Question 2

Are there limits on the types of treatments covered?

Accepted Answer

No, the client can use the funds as they see fit, with no limitations on treatment type.

Question 3

What credit score is needed for approval?

Accepted Answer

A score of at least 550 is usually required, but lenders also assess debt-to-income ratio and overall financial standing.

Question 4

How long does the approval process take?

Accepted Answer

Pre-approvals happen instantly. After selecting an offer, final approval can take up to two days, and funds are typically deposited within 5 days.

Question 5

What documents are required?

Accepted Answer

Most lenders request a recent pay stub and a driver’s license. Some may also ask for bank statements to confirm income.

Question 6

What are the interest rates?

Accepted Answer

Rates typically range between 5.99% and 35.99%, with repayment terms of up to 84 months. Some lenders may also apply an origination fee of 0%-6%.

Question 7

What if additional treatments are needed later?

Accepted Answer

Clients can apply for a higher amount initially or submit a new loan request if more funding is needed.

Question 8

When does the business receive payment?

Accepted Answer

Businesses typically receive payments within 2-3 days of the client receiving their loan. Payments can be collected via ACH, credit/debit card, or cash.

Question 9

Do we need to complete the treatment before getting paid?

Accepted Answer

No, you can collect payment as soon as the client receives their loan.

Question 10

What if a client stops making payments?

Accepted Answer

There’s no financial risk for your business. If a client defaults, it does not affect your practice.

Question 11

What if we collect less than the loan amount?

Accepted Answer

You are only charged fees on the actual amount collected for services provided.

Question 12

Why is ePay Finance Better Than the Rest?

Accepted Answer

•    True Boutique Service – A dedicated account manager, fast responses, and hands-on support. No bots, no long wait times.

•    More Approvals, Less Hassle – A multi-lender platform that boosts approval rates, even for customers with low credit.

•    Fast & Fully Digital Process – Instant approvals with no paperwork or complications.

•    Tailored for Your Business – Industry-specific solutions that bring in more customers and increase revenue.

Question 13

Why is ePay Finance Better Than the Rest?

Accepted Answer

•    True Boutique Service – A dedicated account manager, fast responses, and hands-on support. No bots, no long wait times.

•    More Approvals, Less Hassle – A multi-lender platform that boosts approval rates, even for customers with low credit.

•    Fast & Fully Digital Process – Instant approvals with no paperwork or complications.

•    Tailored for Your Business – Industry-specific solutions that bring in more customers and increase revenue.

Credit Select Plus

We work with 30+ lenders