Integrative financing solutions
providing the highest approval
range in the industry

increase revenue.

Our solutions are ideal for your clients or patients who may not have insurance coverage, or to cover their insurance deductibles/co-pays.

provider dashboard.

Updated every step of the way, know whether your applicants are approved, denied, or funded by viewing your provider monitoring dashboard.

relieve collections.

Many treatment providers offer in-house financing for clients or patients that are unable to pay. Our solutions can significantly reduce or eliminate this need.

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.                                    

optimum practice Approval rates
mainstream approval rates
optimum practice FINANCING LIMITS


Highest approval rates, lowest interest rates

Our integration of both prime and sub-prime lending sources provides the most inclusive financing solution in the industry

more features:

  • Human review process for highest approvals

  • Real-time monitoring of your applicant statuses

  • Syncronization for multiple locations


Instead of relying solely on a computer algorithm for approvals, our reps also review every application. This human element allows for a greater approval range.


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


Whether you have one facility or several, your applications are routed to one integrated monitoring portal that is cloud-based, and synchronized.

frequently asked questions

What is the minimum credit score for approval?

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

How long does it take to become an approved provider?

It typically takes 5 business days or less. Once setup is complete, one of our team members train your staff how to most efficiently utilize our solutions, as well as answer any questions they may have. Training only takes about 45-60 minutes, and is done via webinar at your convenience.

Are your solutions HIPAA compliant?

Our approach ensures your applicants receive the strictest confidentiality. We understand that addiction and behavioral treatment providers have extra levels of compliance requirements, and our solutions comply with the regulations governing 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 Optimum Practice Financial a lender?

Our higher approval rates are possible because we are not a lender but an integrator of multiple lending sources. We currently have ten 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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