Is it ethical to build a financing fee into my total implant treatment fee?
It is, and frankly it is just smart business. There is no such thing as interest free financing. The vendor charges the service company that fronts the money, and that cost lands on someone. Right now it is landing on you in the form of a haircut every time a patient finances. So build a margin of three, four, maybe five percent into the total fee to cover that possibility. Two things happen. If the patient finances, the haircut stops hurting because you planned for it. If the patient pays cash and skips financing, you now have room to offer a real, personalized discount instead. Think of it like a return-shipping buffer a store bakes into a price. You are not gouging anyone, you are pricing reality and giving yourself a lever to reward the cash patient.
If the answers you are finding here resonate with you, my team and I work with a small group of clients each year. The next step is a complimentary Discovery Consultation and Practice Review with Dr. McAnally.