Recover declined cases down to 500 FICO and keep the procedure,
the revenue, and the time already invested.
Use HelloRates for declined patients or to eliminate financing fees.
Trusted By 10,000+
Platform Users
Save the Case. Keep the Profit.
See how practices save declined patients and eliminate merchant financing fees that compress margins.
Growing Revenue & Profits for Businesses Across 350+ Classes of Trade
Approve patients other lenders reject,
including scores down to 500 FICO, without
switching providers.
Competitors charge 5% to 15% financing fees
per funded case. HelloRates charges zero
financing fees.
Just hand patients a branded QR card. No
restrictions, no paperwork, and no added work.
Declines Cost Practices the Entire Procedure
1 in 3 patients fall below lender credit minimums. That means lost treatments, wasted leads, and sunk consultation time.
HelloRates helps you recover the patients other lenders turn away.
Works Alongside Your Current Financing Provider
Most lenders cut off approvals below 650
FICO, costing practices the case.
A simple backup option provided instantly
with a 60 second process.
You get paid upfront. No recourse. No risk.
No loan fees taken out of revenue.
One financing solution built to recover declined patients, protect revenue, and fit seamlessly into how medical practices present treatment plans.
When financing fails or financing fees apply, practices lose more than loans. They lose cases, revenue, time, and patients they already earned.
Patients Declined by
Primary Lenders
Recovered Without a
Backup Option
Revenue Lost to
Financing Fees
Of the Case Lost
After a Decline
HelloRates is designed for the exact moment practices lose cases. When the primary lender says no, this keeps the patient, the treatment, and the revenue from walking away.
Used only when your primary lender declines so you do not lose the entire case after treatment is presented.
No financing fees, no discount fees, and no revenue taken off the top of financed treatments.
Patients apply in about 60 seconds without paperwork, friction, or pressure.
Works alongside your current lender without replacing tools, retraining staff, or changing your consult flow.
Provide financing instantly with a QR card in the consult room, at checkout, or chairside.
No recourse, no liability, and no responsibility if the patient defaults.
Quick answers to help you launch with confidence.
No. HelloRates works alongside your lender as a backup approval option.
We approve patients down to 500 FICO, capturing patients that others decline.
No. Competitors charge 5% to 15% per funded loan. HelloRates charges zero merchant fees.
None. No paperwork, no recourse, and no risk. Fully turnkey.
You hand them a branded QR card. They apply directly in 60 seconds with no harm to their credit.
Save declined cases, approve credit down to 500 FICO, and keep more profit on every financed procedure.
No paperwork. No risk. No financing fees. Built for practices that want to approve more patients.
To stop receiving communications, you can unsubscribe at any time. If you received an SMS, reply STOP. For email, click the unsubscribe link provided in the message.
