Built for Dental Clinics

You earned that
"yes." The payment
plan didn't.

Getting a patient to commit to a large case took real chairside time — trust built, options explained, concerns addressed. The payment plan was one factor in that decision, not the reason for it.

So why does a third-party financer collect a share of that revenue forever, or your staff absorb hours of admin no one budgeted for? There's a number almost no one checks until it's too late — what unmanaged payment plans are quietly doing to your practice's valuation.

Show me my number How this was built →
Per Treatment Plan — $5,000 Average Case
100% Treatment Revenue Billed
Financing fee – up to 12%

Paid to a third-party financing company, every plan, every year.

Admin hours – 6.5 hrs/plan

Spreadsheets, re-entry, and chasing missed payments — staff time, unbudgeted.

Valuation impact at exit

Suppressed EBITDA, multiplied — the cost nobody checks until appraisal day.

What Credi8 keeps in your clinic 100%
PIPEDA-Aligned
PCI-DSS Supported
PHIPA Compliant
Plans live in minutes
Canadian-built
The Problem

Your clinic is leaking revenue.
Quietly. Consistently. Every year.

Every time a patient says yes to treatment and needs a payment plan, one of two things is happening — and both are costing you more than you realise.

Revenue, draining
Every plan sends a slice somewhere it shouldn't — a fee, an hour, a number at exit.
Revenue Leak

Giving away a percentage of every treatment

If you're using a third-party financing company to offer your patients payment plans, they finance the patient — and charge your clinic for it. A significant percentage of every treatment, every plan, every year. Gone. Most clinic owners accept this as the cost of offering flexibility. It doesn't have to be.

Admin Burden

Paying your best staff to manage spreadsheets

If you manage payment plans yourself — spreadsheets, manual POS entries, chasing missed payments — your front desk is spending hours every month on administration instead of booking the next patient. That's measurable lost revenue sitting in the wrong column of someone's calendar.

Both situations have the same root cause: payment plans running on infrastructure that was never built for them. Most clinic owners have never calculated what this is actually costing them — in total, across a full year. That number tends to be surprising.

Our Story

Built inside a clinic.
Not in a boardroom.

Credi8 wasn't built by a fintech company that studied dentistry. It was built by someone who sat inside a dental clinic , watched it run every day, and saw first-hand how revenue quietly disappeared to suppliers, financing partners, and processes that nobody questioned — because everyone assumed that's just how it works.

It isn't. Dentists are among the most skilled and hardest-working professionals in healthcare. They deserve infrastructure that works as hard as they do.

We are different because we didn't research this problem from the outside. We experienced it. We watched the leakage happen. And we built the solution we wished had existed when it did.

"We still run a clinic. We still see the same suppliers walk through the door. We built Credi8 because we understood what dentists actually need — not what vendors think they need."

6.5
Staff hours per payment plan

Every plan. Every year. Manually managed.

7.5%
Average financing fee

Taken from your treatment revenue by third-party providers.*

390+
Hours lost per year

At just 5 payment plans per month — time that could go to recalls and bookings.

$0
Card data stored at your clinic

When you use Credi8. Tokenized, PCI-compliant, from day one.

* Third-party financing fee references are for illustrative comparison purposes. Actual rates vary by provider. All trademarks remain the property of their respective owners.

Three Problems. One Platform.

You already offer payment plans.
Credi8 makes them work the way they should.

The same workflow your clinic runs today — faster, cleaner, safer, and significantly more profitable.

Revenue Leak

Stop sharing your treatment revenue

Up to 12% per treatment

Third-party financing companies charge your clinic a percentage of every treatment they finance. That fee is a direct cost — it comes straight off your EBITDA, not a shared margin.

✓

Credi8 takes zero percent of your treatment revenue. Ever.

Admin Burden

Give your staff their time back

390+ hrs/year at 5 plans/mo

Manual payment plan management — spreadsheets, POS re-entry, missed payment follow-ups — consumes staff time that should be spent booking recalls and supporting patients.

✓

Credi8 automates every step. Plans, collections, retries, receipts.

Compliance Risk

Eliminate the risk you didn't know you had

Fines, audits, reputational damage

Card details in spreadsheets, PMS notes, or re-entered manually at the POS create PCI-DSS exposure most clinic owners aren't aware they're carrying — until an incident occurs.

✓

Card data tokenized. Clinic never stores raw card numbers.

Not a lender. No credit checks. No patient hand-offs. Credi8 is a software subscription — like any other practice management tool. Your patients stay with your clinic, start to finish.

Your Practice Value

What's your clinic
actually worth?

Most dental practice valuations are based on EBITDA. What most clinic owners don't realise is how significantly payment plan inefficiency is suppressing that number — right now, without adding a single new patient.

The value isn't coming from growth projections. It's sitting in your existing workflow. Credi8 moves it from the loss column to the asset column.

We'll show you exactly what your current approach is costing your clinic. No obligation. No hard sell. Just the number — and what it means for your practice value.

Find out what it means for your clinic → 30-minute call. No commitment required.
Practice Value, Recovered
From revenue & time you already have.
Revenue
100%
Treatment revenue retained. No percentage to a lender.
Operations
390 hrs
Freed per year at 5 plans/month. Back to patient care.
Practice Value Impact
Significant
From revenue and time that already exist in your clinic — not from new patients or growth projections. Book a call to see your number.
"

Credi8 has transformed how we manage our payment plans. It's intuitive, fast, and makes the entire process — from setup to tracking — seamless. It has truly streamlined our workflow and freed up valuable staff time.

Northbridge Dental
Dr. B. Philip
Northbridge Dental
PIPEDA
PIPEDA-Aligned Canadian federal privacy requirements for patient information
PHIPA
PHIPA Compliant Protects patient health information across Ontario
PCI DSS
PCI-DSS Supported Payment data tokenized via your processor — never at the clinic
Security & Compliance

A risk you may not know you're carrying

If your clinic is currently storing card details in spreadsheets, PMS notes, or re-entering them manually at the POS — you may have PCI-DSS exposure you haven't accounted for.

A single compliance incident can result in fines, mandatory forensic audits, increased processing fees, and significant reputational damage. The cost of non-compliance far exceeds the cost of any software subscription.

Credi8 eliminates this category of risk. Card data is tokenized through your payment processor — the clinic never stores raw card numbers at any point.
Trusted Payments Partner
In partnership with

Global Payments is how all kinds of businesses around the world make commerce work better.

Credi8 partners with Global Payments to power every patient payment — so your clinic runs on infrastructure trusted at global scale, with bank-grade security and settlement you can count on.

Following its combination with Worldpay, Global Payments now serves more than 6 million merchant locations across 175+ countries, processing $3.7 trillion in payment volume every year.

0M+
Merchant locations worldwide
0+
Countries served
0B+
Transactions a year
$ 0.0T
Annual payment volume
How clinics work with us
Standard

Credi8 + Global Payments gateway

Credi8's payment installment plans run on Global Payments' tokenization and e-commerce gateway. This pairing is the foundation of every clinic's setup — card data is tokenized and processed through Global Payments' secure infrastructure from day one.

Standard + POS

Add in-office card terminals

Clinics that also want to take card payments in person can add Global Payments' POS terminal hardware on top of the Standard setup — one partner for online installment payments and front-desk checkout.

From the Blog

Ideas for running a
more profitable clinic.

Notes on payment plans, practice valuation, and the operational details that quietly affect both.

Practice Valuation

What buyers actually look at during a dental practice appraisal

EBITDA gets the headline, but the line items underneath it tell the real story to anyone doing diligence.

Read more →
Payment Plans

In-house financing vs. third-party: what it really costs your clinic

A side-by-side look at where the percentage goes, and what staying in control of the patient relationship is worth.

Read more →
Compliance

The PCI-DSS exposure hiding in your front desk spreadsheet

Most clinics don't know they're carrying this risk until something goes wrong. Here's how to check.

Read more →
If you've never seen the actual number

Book a call.
See what it's costing you.

We'll show you exactly what your current payment plan approach is costing your clinic — in time, in revenue, and in practice value. No obligation. No hard sell.

✓ 30 minutes ✓ No commitment ✓ See your actual number ✓ Dental Clinics only
Book a 30-minute demo