Why Most Financing Platforms Fail— And How NLPF Wins Anyway.
Every “no” from CareCredit, Sunbit, or Affirm is revenue left on the table. Compare them side‑by‑side. See why providers are switching to a model built to say yes.
Every “no” from CareCredit, Sunbit, or Affirm is revenue left on the table. Compare them side‑by‑side. See why providers are switching to a model built to say yes.
Every “no” from CareCredit, Sunbit, or Affirm is revenue left on the table. Compare them side‑by‑side. See why providers are switching to a model built to say yes.
Every “no” from CareCredit, Sunbit, or Affirm is revenue left on the table. Compare them side‑by‑side. See why providers are switching to a model built to say yes.
Every “no” from CareCredit, Sunbit, or Affirm is revenue left on the table. Compare them side‑by‑side. See why providers are switching to a model built to say yes.
NextLevel Patient Financing (NLPF) “The Approval System Built for Care™”
NextLevel Patient Financing (NLPF) “The Approval System Built for Care™”
NextLevel Patient Financing (NLPF) “The Approval System Built for Care™”
NextLevel Patient Financing (NLPF) “The Approval System Built for Care™”
NextLevel Patient Financing (NLPF) “The Approval System Built for Care™”
NextLevel Patient Financing (NLPF) “The Approval System Built for Care™”
Lost Cases Don’t Just Cost Money — They Cost Momentum.
You’re already juggling price objections and consultation fatigue. When a financing partner denies the patient — or runs a hard pull that scares them off — you lose the case before you can deliver care. That’s not just a decline. It’s a silent revenue leak.
The Single‑Lender Trap: Denials, Hard Credit, No Flexibility
Most platforms give you one decision, run hard pulls, and cause public, awkward denials. NLPF flips the model with a soft‑pull, multi‑lender waterfall that preserves patient dignity and raises approvals.
Quick Navigation – Compare NextLevel PF With...
NextLevel PF vs. CareCredit
NextLevel PF vs. CareCredit
NextLevel PF vs. CareCredit
CareCredit helps patients apply. NLPF helps your whole practice grow.
NextLevel PF vs. PatientFi
NextLevel PF vs. CareCredit
NextLevel PF vs. CareCredit
PatientFi makes payments friendly — NLPF makes growth inevitable.
NextLevel PF vs. Flexxbuy
NextLevel PF vs. CareCredit
NextLevel PF vs. Flexxbuy
Flexxbuy opens the marketplace—NLPF closes the case and powers real growth.
NextLevel PF vs. Cherry
NextLevel PF vs. Cherry
NextLevel PF vs. Flexxbuy
Cherry shines in BNPL — NLPF delivers full-spectrum approvals and automated growth.
NextLevel PF vs. Affirm
NextLevel PF vs. Cherry
NextLevel PF vs. Affirm
Affirm is great for eCommerce. NLPF was built for healthcare providers.
NextLevel PF vs. Sunbit
NextLevel PF vs. Cherry
NextLevel PF vs. Affirm
Sunbit is fast—but NLPF is fast, fair, flexible, and full-featured.
NextLevel PF vs. Alphaeon Credit
The NextLevel PF Edge: Why We Are the #1 Choice Across the Board.
The NextLevel PF Edge: Why We Are the #1 Choice Across the Board.
Alphaeon is a card. NLPF is a complete patient-financing ecosystem.
The NextLevel PF Edge: Why We Are the #1 Choice Across the Board.
The NextLevel PF Edge: Why We Are the #1 Choice Across the Board.
The NextLevel PF Edge: Why We Are the #1 Choice Across the Board.
NLPF wasn’t built to match the industry... it was built to raise the bar.
NLPF delivers more approvals, loyalty, and steady growth.
The NextLevel PF Edge: Why We Are the #1 Choice Across the Board.
If you're using another patient financing provider we'd be happy to discuss how we compare.
Switching is simple. Starting is even easier. Seeing results is inevitable.
If you're using another patient financing provider we'd be happy to discuss how we compare.
If you're using another patient financing provider we'd be happy to discuss how we compare.
If you're using another patient financing provider we'd be happy to discuss how we compare.
Make NLPF your primary financing source, for More Approvals.
⚠️ Providers who switch from CareCredit report up to 40% more approvals for the same procedures; with better terms and happier patients.
NextLevel Patient Financing vs. CareCredit
CareCredit gives you the card. NLPF gives you more approved patients — via their platform that converts them.
NLPF-Features:
✅ NLPF — Built to Approve More Patients, Convert, and Grow Your Practice
- ✅ Approval Model: Soft-pull, AI-matched multi-lender waterfall — captures more “yes” at consult
- ✅ Patient Journey: Branded QR, widget, or link — no embarrassment, no friction
- ✅ Team Enablement: Prebuilt consult scripts, QR signage, and branded follow-up flows
- ✅ Provider Experience: Paid in full. No billing. No collections. Zero recourse
- ✅ Compliance: HIPAA compliant, BAA provided, PCI-DSS Level 1
- ✅ Included at No Cost:
• Full-featured CRM
• Online appointment scheduling
• SMS/email reminders for no-show prevention
• Automated Google review request system
• Pipeline dashboard & lead management
• Multi-channel follow-up campaigns (SMS/email/voicemail)
✅ Available as Strategic Upgrades:
• TrustLift™ — real-time 5-star review popups for patient trust and site conversion
• ReputationShield™ — reputation monitoring, review amplification, and auto-promotion
• ReviewStream™ — branded video testimonials auto-generated from patient reviews
• PatientReach360™ — 90-day retargeting, competitor geofencing, and local ad automation
CareCredit-Features:
⚠️ CareCredit — Established Brand, But Limited Growth Utility
- Model: Synchrony-backed credit card used at 270,000+ healthcare providers
- Prequal: Soft-pull prequalification; patient applies for a revolving line of credit
- Terms: Deferred-interest promos (6, 12, 18, 24 months); fixed APR terms (24–60 months)
- Provider Fees: Transaction/processing fees apply — vary by plan and provider contract
- Payout Speed: Paid in ~1–2 business days; CareCredit manages billing/collections
- Marketing Tools: ❌ No CRM, no scripting, no automation, no retargeting, no growth engine
- Patient Experience: Feels like a credit card — not a personalized approval system
CareCredit gives you a branded credit card.
NLPF gives you a personalized approval engine — plus the CRM, automations, and optional upgrades to help your practice grow on autopilot.
NextLevel Patient Financing vs. PatientFi
PatientFi offers friendly financing. NLPF delivers full-spectrum patient conversion and practice scaling.
NLPF - features:
✅ NLPF — Built to Approve More Patients, Convert, and Grow Your Practice
- ✅ Approval Model: Soft-pull, AI-matched multi-lender waterfall — maximizes approvals without harming credit
- ✅ Patient Journey: Branded QR, widget, or link — consult-integrated, no credit shame
- ✅ Team Enablement: Prewritten scripts, QR signage, and branded follow-up tools for staff
- ✅ Provider Experience: Paid in full. No billing. No collections. Zero recourse
- ✅ Compliance: HIPAA compliant, BAA provided, PCI-DSS Level 1
- ✅ Included at No Cost:
• Full-featured CRM
• Online appointment scheduling
• SMS/email reminders for no-show prevention
• Automated Google review request system
• Pipeline dashboard & lead management
• Multi-channel follow-up campaigns (SMS/email/voicemail)
✅ Available as Strategic Upgrades:
• TrustLift™ — floating 5-star review signals that boost website conversion
• ReputationShield™ — real-time review monitoring, auto-promotion, and brand protection
• ReviewStream™ — branded video testimonials built from 5-star reviews
• PatientReach360™ — competitor geofencing and 90-day patient retargeting ads
PatientFi - features:
⚠️ PatientFi — Easy Payments, Limited Practice Support
- Model: Installment-based patient loan platform with reusable lines of credit
- Credit Pull: Soft-pull prequalification using TransUnion — protects score
- Terms & Rates: Fixed-rate plans starting at 6.99% APR; no-interest options available for promo periods
- Loan Limit: Patient assigned a spending limit they can reuse
- Practice Tools: Public info focuses on patient experience — no CRM, no automation, no scripting
- Marketing Enablement: ❌ No lead generation tools, no retargeting, no reactivation system
- Use Case Fit: Friendly patient-facing tool, but light on practice-side growth capabilities
PatientFi makes payments feel nice.
NLPF makes your practice unstoppable — by combining patient financing, CRM, automation, retargeting, and smart follow-up into one unified growth engine.
NextLevel Patient Financing vs. Flexxbuy
Flexxbuy gives you lender access. NLPF gives you approvals, automation, and patient-scaling firepower.
NLPF - Features:
✅ NLPF — Built to Approve More Patients, Convert, and Grow Your Practice
- ✅ Approval Model: Soft-pull, AI-matched multi-lender waterfall — more approvals, less friction
- ✅ Patient Journey: Branded QR, widget, or link — consult-integrated, no credit shame
- ✅ Team Enablement: Talk tracks, signage, and follow-up flows — no “selling” pressure
- ✅ Provider Experience: Paid in full. No billing. No chasing patients. Zero recourse
- ✅ Compliance: HIPAA compliant, BAA provided, PCI-DSS Level 1
- ✅ Included at No Cost:
• Full-featured CRM
• Online appointment scheduling
• SMS/email reminders for no-show prevention
• Automated Google review request system
• Pipeline dashboard & lead management
• Multi-channel follow-up campaigns (SMS/email/voicemail)
✅ Available as Strategic Upgrades:
➡️ TrustLift™ — floating 5-star review signals that boost website conversions
➡️ ReputationShield™ — full-spectrum review growth, protection, and auto-promotion
➡️ ReviewStream™ — testimonial-driven video ads built from real 5-star reviews
➡️ PatientReach360™ — competitor-targeted ads, geofencing, and 90-day retargeting
Flexxbuy - Features:
⚠️ Flexxbuy — Lender Access, But No Growth System
- Model: Merchant shares Flexxbuy link; patient browses from 35–50+ lenders
- Credit Pulls: Varies — some soft, some hard, depending on lender
- Loan Ranges & Terms: Up to $100K advertised, but many offers cap around $10K with 3–12 month fixed terms (esp. for subprime)
- Staff Burden: Provider must manage follow-up, patient explanation, and consult scripting manually
- Compliance: No HIPAA or BAA disclosure shown on public-facing site
- Marketing Tools: ❌ No CRM, no automation, no tracking, no retargeting
- Provider Fees: Setup costs ($500–$2,997) + ongoing monthly SaaS fees ($199–$499+)
Flexxbuy gives you a lending link.
NLPF gives you a lending ecosystem — with built-in growth, automation, and upgrade pathways that keep your practice scaling.
NextLevel Patient Financing vs. Cherry
Cherry splits payments. NLPF builds momentum — and your patient pipeline.
NLPF - features:
✅ NLPF — Built to Approve More Patients, Convert, and Grow Your Practice
- ✅ Approval Model: Soft-pull, AI-matched multi-lender waterfall — higher approval odds across all credit tiers
- ✅ Patient Journey: Branded QR, link, or widget — prequal in seconds, without credit damage
- ✅ Team Enablement: Done-for-you scripts, QR signage, and automated follow-ups
- ✅ Provider Experience: Full payout, no billing, no collections, no recourse
- ✅ Compliance: HIPAA compliant, BAA provided, PCI-DSS Level 1
- ✅ Included at No Cost:
• Full-featured CRM
• Online appointment scheduling
• SMS/email reminders for no-show prevention
• Automated Google review request system
• Pipeline dashboard & lead management
• Multi-channel follow-up campaigns (SMS/email/voicemail)
✅ Available as Strategic Upgrades:
• TrustLift™ — floating 5-star review popups to convert site visitors into bookings
• ReputationShield™ — review monitoring, auto-promotion, and reputation growth
• ReviewStream™ — branded testimonial video ads built from actual patient reviews
• PatientReach360™ — geofencing + 90-day ad retargeting to win patients from competitors
Cherry - features
⚠️ Cherry — Simple Payments, but No Growth System
- Model: Buy Now Pay Later (BNPL) platform offering fast, short-term installment loans
- Credit Pulls: Soft inquiry prequal; up to 12-month 0% plans or longer-term options with APR
- Loan Limits: Up to $50,000 offered; average use case $2,500–$10,000 for cosmetic procedures
- Practice Fit: Designed for individual elective cases — not optimized for bundled treatment or scaling
- Staff Burden: No CRM, scripting, automation, or campaign management tools
- Compliance & Support: Public site does not mention HIPAA, BAA, or clinic-based workflow integration
- Marketing Tools: ❌ No retargeting, no pipeline dashboard, no multi-step patient reactivation
Cherry helps patients split payments.
NLPF helps practices scale — by combining high-approval financing with automation, follow-up, and growth-ready infrastructure.
NextLevel Patient Financing vs. Affirm
Affirm processes transactions. NLPF drives approvals — and practice growth.
NLPF - features:
✅ NLPF — Built to Approve More Patients, Convert, and Grow Your Practice
- ✅ Approval Model: Soft-pull, multi-lender waterfall optimized for healthcare — not retail
- ✅ Patient Journey: Prequal in seconds via branded QR, widget, or link — with zero credit damage
- ✅ Team Enablement: Staff scripts, signage, and automation flows integrated with consults
- ✅ Provider Experience: Paid in full. No billing. No collections. Zero recourse
- ✅ Compliance: HIPAA compliant, BAA provided, PCI-DSS Level 1
- ✅ Included at No Cost:
• Full-featured CRM
• Online appointment scheduling
• SMS/email reminders for no-show prevention
• Automated Google review request system
• Pipeline dashboard & lead management
• Multi-channel follow-up campaigns (SMS/email/voicemail)
✅ Available as Strategic Upgrades:
• TrustLift™ — floating 5-star review popups to increase trust and conversions
• ReputationShield™ — real-time review monitoring, auto-promotion, and brand defense
• ReviewStream™ — branded testimonial videos built from actual patient reviews
• PatientReach360™ — hyperlocal geofencing and 90-day pixel retargeting
Affirm - Features:
⚠️ Affirm — Retail-Focused BNPL, Not Built for Clinical Workflows
- Model: Buy Now Pay Later for online purchases — eCommerce-native platform
- Prequal: Soft pull with instant approval decision
- Loan Limits: Offers up to $20,000; many merchants use for <$5,000 items
- Terms & Fees: Fixed terms (3–36 months), transparent APRs (7.99%–29.99%); no promo 0% for most healthcare verticals
- Compliance & Support: Not designed for HIPAA, BAA, or patient privacy workflow standards
- Marketing Tools: ❌ No CRM, no automation, no lead management, no practice optimization
- Clinical Fit: Optimized for shopping carts — not multi-step treatments, bundled procedures, or consult-to-case journeys
Affirm helps patients buy — if they shop like it’s Amazon.
NLPF helps providers convert — with financing, automation, and full-funnel patient engagement.
NextLevel Patient Financing vs. Sunbit
Sunbit built its name on speed—but not every patient fits their lane.
NextLevel PF - Features:
✅ NLPF — Built to Approve More Patients, Convert, and Grow Your Practice
- ✅ Approval Model: Soft-pull, multi-lender waterfall — covers all credit tiers, not just prime/subprime
- ✅ Patient Journey: Prequal in seconds via branded QR, widget, or link — no credit score harm
- ✅ Team Enablement: Consult-ready scripting, QR signage, branded links, and follow-up flows
- ✅ Provider Experience: Full payout upfront. No billing. No collections. No recourse
- ✅ Compliance: HIPAA compliant, BAA provided, PCI-DSS Level 1
- ✅ Included at No Cost:
• Full-featured CRM
• Online appointment scheduling
• SMS/email reminders for no-show prevention
• Automated Google review request system
• Pipeline dashboard & lead management
• Multi-channel follow-up campaigns (SMS/email/voicemail)
✅ Available as Strategic Upgrades:
• TrustLift™ — real-time review signals that convert traffic into consults
• ReputationShield™ — review monitoring, auto-promotion, and brand trust protection
• ReviewStream™ — automated video ads built from real patient reviews
• PatientReach360™ — 90-day retargeting + geofencing to intercept competitor traffic
Sunbit - Features:
⚠️ Sunbit — Fast to Approve, But Not Built to Scale Your Practice
- ❗ Model: Retail-style BNPL system focused on speed and subprime access
- ❗ Approval Speed: 90%+ approval rate in 30 seconds — great for simple elective care
- ❗ Terms: 3, 6, 9, or 12-month installments; some providers may offer longer fixed APR terms
- ❗ Loan Amounts: Typically up to $20,000, but often used for lower-ticket cases (<$5,000)
- ❗ Marketing Tools: ❌ No CRM, no nurture automation, no retargeting, no scripting or growth tools
- ❗ Compliance: Public site lacks mention of HIPAA or BAA support
- ❗ Staff Experience: No follow-up system, lead dashboard, or consult conversion tools
Sunbit is built for speed.
NLPF is built for scalability — with financing, automation, and follow-up systems that turn approvals into patients and growth.
NextLevel Patient Financing vs. Alphaeon Credit
Alphaeon extends credit. NLPF extends your entire revenue engine.
NextLevel PF - Features:
✅ NextLevel PF — Built to Approve, Convert, and Scale
✅ Approval Model: Soft-pull, multi-lender waterfall that covers all credit tiers — not just prime borrowers
✅ Patient Journey: Prequalify in seconds via branded QR, widget, or link — no FICO impact
✅ Provider Experience: Full payout upfront. No billing. No collections. No recourse.
✅ Transparency: No deferred-interest surprises — ever. Patients trust your financing.
✅ Brand Control: Financing carries your practice name, not a third-party card logo
✅ Compliance: HIPAA Compliant • BAA Provided • PCI-DSS Level 1 Certified
✅ Included at No Cost (Built-In Core System):
• Full-featured CRM
• Online appointment scheduling
• SMS/email reminders for no-show prevention
• Automated Google review request system
• Pipeline dashboard & lead management
• Multi-channel follow-up campaigns (SMS/email/voicemail)
✅ Available as Strategic Upgrades:
• TrustLift™ — real-time review signals that boost conversions
• ReputationShield™ — automatic review monitoring & promotion
• ReviewStream™ — testimonial video builder using real patient reviews
• PatientReach360™ — 90-day retargeting + geofencing to recapture lost patients
• SocialSignal™ — done-for-you daily social media posting that keeps your clinic visible
Alphaeon - Features:
⚠️ Alphaeon Credit — Built for Credit, Not for Growth
❗ Model: Single-lender revolving credit card underwritten by Comenity Capital Bank
❗ Credit Check: Hard pull — discourages borderline applicants and impacts credit scores
❗ Approvals: Limited to prime-tier patients (FICO ≥ 640–660)
❗ Loan Type: Revolving credit line — not a flexible term loan
❗ Terms: 6–24-month promo plans with deferred interest → 26.99% APR if unpaid in time
❗ Provider Fee: 3–10% per transaction (depending on promotional plan)
❗ Branding: Alphaeon-branded card — your patients associate financing with them, not you
❗ Marketing Tools: ❌ No CRM, no review automation, no patient reactivation tools, no geofencing
❗ Compliance: Standard banking security only (no explicit HIPAA/BAA support)
Alphaeon gives your patients a card.
NLPF gives your clinic a growth system — combining high-approval financing with CRM, automation, and marketing intelligence that multiplies conversions and patient lifetime value.
The NLPF Edge: Why We Are the #1 Choice Across the Board.
NextLevel Patient Financing wasn’t built to match the industry — it was built to raise the bar.
The NLPF Edge
- AI-Driven High Approval Engine
- Soft-Pull Prequal
- No Deferred Interest — Ever
- CRM + 5 Core Automations
- Smart Follow-Up Flows
- HIPAA & PCI Compliant
- Instant Setup (<48 hrs)
- Success-Based or Hybrid Pricing
- No Declined Conversations for Staff
What That Means for You
- Converts more patients across all credit scores
- No credit damage — patients feel safe applying
- No hidden costs — preserves long-term patient trust
- Automates scheduling, reminders, reviews & patient tracking
- Reactivates lost leads and nurtures every opportunity
- Protects patient data and clinic reputation with confidence
- Go live in under 48 hours — no IT team needed
- Only pay when it works — or scale with a predictable plan
- Your team stays focused on care — we manage the declines
**Important Note on Approvals**
Approval odds vary based on the patient’s credit profile, income, treatment cost, and selected repayment terms. -- All of our prequalification's are soft credit inquiries with no impact on FICO scores. -- Final approval may require documentation and is subject to underwriting by the financing provider.
You may hear approval rate claims from competitors, like 85%--95% .
But here’s what seasoned providers know:
The real test is what happens with your patients, in your clinic.
We invite you to compare us directly.
The proof of the pudding is in the eating — and our providers don’t leave money on the table.
NLPF delivers more approvals, loyalty, and steady growth.
If you’ve made it this far, you already know the truth:
The platform you’re using isn’t getting you enough “yeses.”
Or maybe… you've been operating without a financing partner at all.
You’ve built a good practice. But how many patients have said:
“I want it, but I just can’t afford it right now.” or, "I want to think about it" and they never more forward...
Whether you’ve never offered financing… or you’ve outgrown the one you started with…
This is your chance to change that—without friction, complexity, or risk.
With NLPF, as your primary financing partner, your patients say YES more often.
You get paid up front, by your approved patient... And your practice starts running smoother, stronger, and smarter.
Switching is simple. Starting is even easier. Seeing results is inevitable.
Legacy platforms offer loans.
While they deliver credit to only those who qualify...
NLPF delivers conversions and growth—
From more “yeses” to more revenue.
NextLevel Patient Financing
One Atlantic Center , Atlanta, GA 30309
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Want More Patients Saying YES! — Without Ever Selling?
Unlock soft-pull, multi-lender financing from $500 to $100K+ that converts hesitant patients into confident case acceptance.
No hard pulls. No embarrassment. Just more approvals and more revenue—on your terms.
AI-Driven Approval Engine™ matches patients instantly to their best-fit financing—without stress, risk, or delay.