Should I offer in-house financing for big cases, and what terms make sense?
Yes, offer it, but keep it short and structured so you’re not acting like a bank for years. In my practice the in-office plan runs over four months: twenty five percent down, then twenty five percent across each of the next three months. That’s it. For anything longer, I point patients to outside lines of financing, which let them stretch treatment over a longer period without my practice carrying the risk. The reason I keep the in-house window tight is simple. The longer your money sits out there, the more chances life has to interrupt it. Four months is enough flexibility to say yes without turning your practice into a lender. Give patients a real path, but protect your own cash flow while you do it.
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.