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, [...]