Which deposits dominate your practice?
Fee-for-service and cosmetic-heavy practices collect much of their revenue daily from patients. PPO-heavy practices receive more through insurance batches.
Review two or three months of statements. If most revenue arrives through daily card settlements, daily payments may fit. If insurance batches dominate, weekly may be smoother.
Does the rhythm change cost?
No; the offer sets the cost. Rhythm only affects timing.
Ask if a specific day can be chosen for weekly debits, ideally after your largest insurance batch usually arrives.
Watch the calendar effects specific to dentistry. Insurance batches often thin out in the weeks around major holidays, and January can bring a burst of patient payments as people start new benefits while some carriers process more slowly. December is often the reverse: heavy production from patients using remaining benefits, with a share of the insurance money landing in January. If you choose weekly, pick a debit day that still works in those months, not just in an average week.
Also look at how your card processor settles. Some processors deposit the next business day, others hold weekend batches until Monday or Tuesday. A daily debit that falls before a weekend batch settles can catch the account at its lowest point. Knowing your processor’s schedule helps you choose a rhythm, and a debit day, that never surprises you.
How do I avoid debit-day problems?
Keep a cushion above the payment, watch for holidays that shift insurance batches, and tell your funder before a debit if a deposit is delayed.
Communication goes a long way. Most problems start when a deposit is late and nobody calls.
| Practice type | Main deposits | Likely fit |
|---|---|---|
| Fee-for-service or cosmetic | Daily card payments | Daily |
| PPO-heavy | Insurance batches | Weekly |
| Mixed | Both | Either; check statements |
Worked example: a PPO-heavy practice
A PPO-heavy practice averaging $124,000 in monthly deposits receives large insurance batches early each week and chooses weekly payments taken on Wednesdays. Using an illustrative factor rate of 1.21, $26,000 would mean $31,460 repaid over roughly 6 months: 26 weekly payments of about $1,210.
That works out to about $5,243 a month, or 4.2% of the $124,000 this business deposits monthly, and the total cost of the money is $5,460. The Wednesday debit lands after the insurance batch, keeping the account positive.
For comparison, repaying the same $31,460 over 4 months would lift the monthly outlay to about $7,865, or 6.3% of deposits, and whether the faster payoff is worth that bigger payment depends on how steady your slow months are.
| Average monthly deposits | $124,000 |
|---|---|
| Amount funded | $26,000 |
| Factor rate (illustrative) | 1.21 |
| Total repaid | $31,460 |
| Cost of the funding | $5,460 |
| Term | about 6 months |
| Weekly payment (26 payments) | $1,210 |
| Payments as a share of deposits | 4.2% |
Who weekly payments fit
Usually a fit
- PPO-heavy practices
- Offices with batch insurance deposits
- Owners wanting fewer debits
When an office may want to wait
- Cash-heavy practices with daily card deposits
- Daily-only offers
- Startups without deposits
What you’ll typically need
- Recent business bank statements
- Practice details
Frequently asked questions
Is daily cheaper?
No; cost is set by the offer.
Can I switch later?
Sometimes on renewal.
What if insurance pays late?
Call the funder before the debit day.
What credit score do I need to fund dental working capital?
For dental working capital, owners with scores from 500 can be considered because recent deposits carry the most weight, and stronger credit usually earns a lower cost and a larger offer.
Want a schedule that fits?
Apply and ask.
Updated October 6, 2026