# Orthodontic Patient Financing for Practices > Bring patient financing into orthodontic consultations. Offer a branded application and manage lender next steps for eligible treatment through Ottri. Last updated: 2026-09-07. Part of Ottri's Health Care patient financing platform (https://www.ottri.com/health-care). Canonical version: https://www.ottri.com/health-care/orthodontic-financing — this Markdown document is generated from the same source at build time. ## Patient financing for orthodontic practices. Make payment options part of the orthodontic treatment decision. Give patients and families a branded way to explore available financing, while your coordinator follows the application and lender next steps in Ottri. - One application. Multiple participating lender programs. - Your practice brand throughout the financing experience. - Built for orthodontic treatment coordinators. - Direct-to-practice funding on eligible programs. ## Put payment options into the orthodontic consultation. Discuss the total treatment cost and introduce available lender financing in the same visit. Ottri connects one branded application to eligible programs in sequence and keeps follow-up organized. ### One application. One place to manage it. Keep the financing application visible as patients and families consider treatment costs and the options available to them. - **The patient applies once** — Share one practice-branded application with the person applying for financing for eligible orthodontic treatment. - **Ottri coordinates the flow** — The application moves through eligible participating lender programs without requiring a new application for every provider. - **The patient reviews available options** — Available financing options and applicable terms are presented clearly for the patient to consider. - **Your practice tracks what happens next** — See which financing applications need attention while patients and families consider the treatment proposal. ### Built for orthodontic treatment coordinators Explain the proposed treatment and payment choices, share the application, and follow its progress after the consultation. - **Ready for the consultation** — Introduce lender financing as you explain the proposed treatment cost and available payment approaches. - **Private patient handoff** — Guide the applicant to the first step, then let them complete sensitive information privately. - **Continue on any device** — The applicant can continue at home while your orthodontic coordinator follows the financing status. - **Team and location control** — Manage staff, activity and financing progress across every location. ## Keep orthodontic financing organized across the team. - **One practice dashboard** — Manage applications, available financing options, follow-up, documents, and funding progress in one place. - **Clear coordinator workflow** — Give the coordinator and front desk the same application status for financing follow-up. - **Private patient handoff** — Begin together, then let the patient complete sensitive information privately on their own device. - **Teams and locations** — Manage users, roles, activity, and financing progress across every practice location. - **Practice-branded experience** — Keep your logo, colors, and practice identity front and center throughout the Ottri experience. - **Direct-to-practice funding** — For funded treatments, participating lenders send funds directly to your practice. ## Connect the treatment consultation to financing follow-up. - **Meet patients at the right time** — Introduce available financing when you explain the full orthodontic treatment estimate. Give the applicant time to compare payment approaches and complete the application privately. - **One flow across every channel** — Share a branded application from your treatment page, a consultation QR code, or a follow-up email. Keep the application accessible while the family considers its decision. ## Your orthodontic team needs one financing workspace. So we built one. A disconnected process: - One application is evaluated within one program. - A decline can end the financing conversation. - The patient moves into a provider-branded experience. - Applications and follow-up live in separate places. - Payment questions and application updates are disconnected. With Ottri: - One application can reach multiple eligible orthodontic financing programs. - Other eligible programs may provide another path. - Your practice brand stays present in the Ottri experience. - Applications, next steps, and funding progress in one place. - The team can connect financing follow-up to a shared status view. ## Frequently asked questions ### How can an orthodontic practice offer patient financing? Ottri gives orthodontic practices a branded application for financing eligible treatment through participating lenders. Your coordinator can introduce it alongside the total treatment estimate, then follow application status and required financing steps from one workspace. Patients and families can consider the available lender terms as they evaluate the proposed treatment and payment choices. ### How does lender financing differ from our in-house payment plan? With lender financing, an independent participating lender determines eligibility, extends any credit, and sets its repayment terms. An in-house payment plan follows your practice’s own arrangement with the patient. Ottri helps you offer and manage the lender-financing workflow. Your coordinator can explain both approaches, but should keep their terms, responsibilities, and funding processes distinct. ### Can patients apply for financing for braces or clear aligners? Braces or clear-aligner treatment may be considered when the practice, service, requested amount, and applicant fit an available lender program. Present the written treatment estimate and confirm the eligible scope before describing a financing option. The type of appliance alone does not establish eligibility; the participating lender determines the amount and terms it can offer. ### Who completes the application when a family is discussing treatment? The person seeking credit completes the application according to the lender’s age, identity, and eligibility requirements. When treatment is for a child, the family should review who can apply under the available program. Your coordinator can explain how to begin and provide a private handoff. Parent, guardian, and co-applicant arrangements are determined by the participating lender. ### What happens if the first lender declines the application? A decline from one lender does not have to end the financing conversation. Ottri can continue through other eligible participating programs in its configured sequence, subject to routing rules and stop conditions. The patient starts with one branded application, and your team follows the status in Ottri. Each lender makes its own decision; another approval is not guaranteed. ### What does Ottri cost, and how do we get started? Ottri has no setup, subscription, or Ottri platform fees for practices. Create your practice account, complete onboarding, and begin sharing applications once your eligible programs are active. Lender or promotional costs, where applicable, depend on the program. Your team can start with the Get started free button on this page. ### Does the application stay under our practice brand? Yes. Your practice logo, colors, and identity remain part of the Ottri experience, with required lender identities and disclosures shown where applicable. Your team can introduce the application and let the patient complete sensitive information privately on their own device. Ottri does not sell patient applications as leads. ### Who approves the financing and receives the funds? The participating lender makes the credit decision and sets the financing terms. For funded treatments, the lender sends funds directly to your practice according to its program requirements and funding process. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender. Your team can track funding progress in Ottri. ### Should we discuss the full treatment cost or a monthly payment? Start with the total proposed treatment cost and explain what is included. When financing options are available, the applicant can review the lender’s actual payment amount, repayment schedule, and disclosures. Your coordinator can then discuss those terms alongside other payment approaches. The lender’s payment schedule and your practice’s treatment or visit schedule serve different purposes. ### Does checking financing options affect the patient’s credit? The initial Ottri option check may use a soft credit inquiry that does not affect the patient’s credit score. If the patient chooses to proceed, a participating lender may perform a hard inquiry that can affect the score. The applicable information is presented before the patient continues. Inquiry type can vary by lender, product, and stage. --- About Ottri: Ottri is a licensed loan broker, NMLS 2776988. Ottri is not a lender. Participating lenders establish their own products and criteria, make their own credit decisions, provide any credit extended, and retain the responsibilities assigned to them by law and agreement. Ottri's capabilities and role vary by program and deployment.