Offer affordable cosmetic surgery financing solutions to your patients

We provide your patients with flexible payment options

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How We Support Cosmetic Surgeons

Time Investment enables you to provide cosmetic surgery while offering tailored financing options to your patients. By utilizing a partnership with Time Investment, your patients are able to make monthly payments. You and your staff will be equipped to provide financing information to your patients to ensure the application process is transparent and fast. Your patients receive approval within minutes!

Patient financing can seem like an additional burden in a busy surgical practice. Staff time has to be dedicated to explain the options and completing the paperwork. Time Investment makes this process simple, convenient, and quick for providers and their patients.

We take care of the entire process, so you can focus on your patients!

Why Choose Time Investment

  • Easy online credit approval system
  • Patient credit approvals within minutes
  • No prepayment penalties for patients loans
  • No fee program options for all service tiers
  • Interactive dashboard for viewing current loans
  • Phenomenal customer service! 98% customer satisfaction rate!

How to obtain patient financing through Time Investment

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Frequently Asked Questions (FAQs)

What is the Time Investment?

Time Investment is a third-party financing firm that specializes in tailored financing options for cosmetic surgery patients.

What financing options does Time Investment offer for cosmetic surgery?

We offer financing for elective and non-elective cosmetic and medical spa procedures.

What makes Time Investment the best option when it comes to cosmetic surgery financing?

Cosmetic surgeons and their patients are our first priority. As a small business, we know the associated challenges. We use our knowledge to efficiently deliver tailored solutions for your business and patients.

Does credit score matter to receive a loan approval from Time Investment?

We offer a custom approach for patients with varying credit histories. Each case is handled uniquely.

Does Time Investment offer personal loans directly for cosmetic surgery services?

We offer financing at reasonable interest rates to our medical partners’ patients providing them with the ability to have cosmetic surgery services at affordable rates.

What other products/services does Time Investment offer financing for?

Time Investment offers financing solutions for home improvement, roofing, HVAC, electrical and plumbing, dental, orthodontic, audiology, and LASIK surgery procedures.

Implementing Cosmetic Surgery Financing in Your Practice

Implementing Cosmetic Surgery Financing in Your Practice
Updated on August 26th, 2020

If you are looking to grow your plastic surgery business, consider implementing cosmetic surgery financing. Time Investment has made businesses more profitable for over 40 years. We will discuss the demand for medical financing, your practice’s options, and the many benefits of working with Time Investment for your business’s financing needs.

Why Cosmetic Surgery Practices Seek Financing Options

The American Society of Plastic Surgeons reports that Americans spent more than $16.5 billion dollars on cosmetic plastic surgery in 2018. The least expensive procedures included breast augmentation ($3,824), liposuction ($3,518), eyelid surgery ($3,156), and labiaplasty ($2,924). The most expensive procedures included facelift ($7,655), tummy tuck ($6,253), breast reduction ($5,680), and nose reshaping ($5,350). Many of these surgeries are performed in conjunction.

Many cosmetic surgery procedures including face/neck lifts and tummy tucks are considered elective and would not be covered by insurance. Reconstructive surgeries deemed medically necessary may be covered.

What is Cosmetic Surgery Patient Financing?

Cosmetic surgery financing is a process by which a patient seeking cosmetic surgery can access a line of credit or a loan to cover the costs of their treatments. Patient financing reduces the upfront cost by allowing the patient to pay in monthly installments over a period of time. Third-party financing companies focus on patient experience and flexible repayment terms. While plans are set by the office, many elective cosmetic and medical spa procedures are covered.

In a busy cosmetic surgery practice, financing can seem like a burden. It takes staff to explain options and complete the process. With the administrative burden of healthcare, the idea of more paperwork and more staff time seems overwhelming. Time Investment makes cosmetic surgery financing simple, convenient, and quick for providers and their patients.

Is There a Demand In Your Practice for Cosmetic Surgery Financing?

There is enormous patient demand for cosmetic surgery financing. Sixty-three percent of all patients and 85% of younger patients (aged 18-34) would consider financing for their healthcare bills.

Cosmetic surgery procedures are typically considered elective by insurance companies and are not covered. Your patients may opt against elective cosmetic surgery procedures if their financial situation is not ideal.

Third-party cosmetic surgery financing provides a solution for immediate treatment, but future re-payment. By allowing your patients to pay monthly, you reduce the upfront financial burden on families and they are able to pursue needed treatments immediately. With that, cosmetic surgery offices should strongly consider patient financing as it improves the customer satisfaction of the patients in your practice.

Cosmetic Surgery Financing for Patients

There are several ways patients finance cosmetic procedures, by utilizing medical insurance, unsecured loans, or third-party financing. Medical insurance may cover procedures that are deemed medically necessary such as rhinoplasty if interfering with the patient’s breathing or blepharoplasty if the eyelid obscures the patient’s visual field. Patients may also choose to use HSAs, a recurring debit tax from their paychecks, to fund their procedures. Using medical insurance to finance cosmetic surgery may be difficult due to restrictive coverage and non-negotiable coverage terms.

Financing can be risky if not financed through the practice. Payment options are less convenient than third-party financing. Patients may use unsecured loans for cosmetic surgery and these loan types have much higher interest rates. Unsecured loans also require your patients to have high credit scores or they are unlikely to be approved. Annual percentage rates on these loans can range from 6% to 36%These options may be unsatisfactory to many patients and third-party patient financing may fit their needs best.

Third-party patient financing creates a partnership between the cosmetic surgery practice and a third-party loan company to negotiate the terms and conditions surrounding the services. This option allows more flexibility for the practice and more customization of cosmetic service payments for patients. Flexibility allows your practice to capture more patients when payment options are tailored to their financial profile.

As a third-party financing company, Time Investment has been partnering with healthcare businesses to help manage their patient’s payments. If you feel this would be beneficial to your practice, we would like to discuss a tailored program with you.

Benefits of Using Third-Party Patient Financing

There are many benefits to enacting third-party financing in your practice. More patients will be able to afford cosmetic surgeries. Other benefits of financing with Time Investment include:


Why Time Investment for Cosmetic Surgery Financing?

Operating from Wisconsin, Time Investment is a family-owned investment dedicated to growing the business of its partners. Exceptional customer service and integrity are values present in all of our business practices. As our partner, you should expect a modern business system to increase your practice profitability. By working with Time Investment, your cosmetic surgery practice is able to offer a competitive finance package to your patients. We have financed over $775 million in loans across 250K businesses over 40 years. We have allied with cosmetic surgeons to create customized financial solutions to meet the financial needs of their patients.

A tailored solution is available for each of your patients depending upon their financial needs. Our loan approval process is quick and efficient, our approval rates higher than other lending agencies, and credit approval is instantaneous.

We make partnership easy.

By joining with Time Investment, you will increase the profitability of your practice and the satisfaction of your patients. Complete our contact form for more information on the implementation of financing options in your cosmetic surgery practice.