ABOUT US

treatment
financing
Optimized

Integrated treatment financing solutions with the highest approval rates in the industry

increase revenue.

Our solutions are ideal for those patients who are unable to afford your treatment fees or those who simply prefer to make monthly payments.

provider dashboard.

Know when your applicants are approved and funded by viewing your provider monitoring dashboard, updated in real-time.

relieve collections.

Our solutions eliminate the need to provide in-house financing or payment plans for your patients, allowing you to receive your full treatment fees up-front.

HOW we are different.

Unlike other treatment financing solutions that typically only approve "A" or "B+" credit tiers, we have solutions for A, B, C, and D credit applicants.

We provide integrated access to prime, near-prime, and sub-prime lenders for your clients or patients, all in one simple application and provider monitoring dashboard. 

Whether you are an emerging one-location facility, a multi-location national provider, or somewhere in between, our solutions can be customized to your needs.                                    

optfi Approval rates
MAINSTREAM approval rates
optfi PAYOUTS | 100% (no fees)
mainstream PAYOUTS | 70%-90% TO THE PROVIDER

more features:

  • Human review process for highest approvals

  • Real-time monitoring of your applicant statuses

  • No merchant fees, 100% payouts

approvals

Instant approval process and our reps also review every application to mitigate false declines. This human element allows for a greater approval range.

MONITORING

Monitor every application from initial submission, to approval or rejection, to funding. You can also sort by date range, status, and location.

100% payouts

Unlike most treatment financing companies that charge providers a fee of 5%-30%, we have a no-fee approach with 100% payouts.

PROVIDER RESULTS

frequently asked questions

What is the minimum credit score required for treatment financing approval?

While credit scores are not the sole approval criteria, FICO scores as low as 570 are considered.

How long does it take to set up a provider account?

Our simple provider enrollment process only requires a few minutes. After enrolling your facility, it typically takes our team 1-2 business days to create your new provider account.

Are your solutions HIPAA compliant?

Our compartmentalized yet integrated approach ensures your applicants receive the strictest confidentiality, including the extra levels of compliance requirements for providers needing to satisfy the regulations governing the Confidentiality of Alcohol and Drug Abuse Patient Records, 42 C.F.R. Part 2, and the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”), 45 C.F.R. Pts. 160 & 164.

What happens if the borrower stops making payments on their loan?

There is no recourse responsibility to the provider if the financing recipient stops making their monthly payments. Continued late payments or non-payment by borrowers are typically reported to credit agencies, and may affect their credit score.

Is OptFi a lender?

Our higher approval rates are possible because we are not a lender but an integrator of multiple lending sources. We currently have twenty-eight loan sources in our system, some that are seeking borrowers with strong credit, and others that are seeking borrowers with more challenged credit.

What treatment providers do you currently work with?

We work with the largest for-profit and non-profit treatment providers in the nation, as well as smaller one-location providers and everything in between. Our solutions can be customized to your needs. To request examples of our provider results by geographical region and facility size, CLICK HERE.

                                                                                          
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