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 [...]