Take on new patients with convenient orthodontist financing

Grow your orthodontic services with our competitive patient financing options

How It Works

How We Can Help You Reach More Patients

Many people need orthodontic care, but only a few can afford to pay a lump sum for orthodontic treatment plans. This could limit patient flow, making it extremely challenging for orthodontists to grow their businesses.

That’s where Time Investment comes in.

Whether your patients need traditional braces, metal braces, Invisalign, retainers, aligners, cover braces, or some other type of treatment, our loan programs will safely fund their dental care treatment by allowing them to pay with low monthly payment plans.

With these economical payment options in place, your patients won’t have to bear heavy pocket costs to reap the orthodontic benefits you have to offer.

Most importantly, you can focus solely on running your practice, knowing your financial needs will be taken care of.

Why Choose Time Investment

Time Investment offers orthodontist financing options at highly competitive rates.

Your patients won’t have to worry about the cost of braces and you won’t have to resort to offering discounts to acquire new patients.

By leveraging our services, you can become the most competitive orthodontist in your locality, even if your patients don’t have health savings accounts or dental insurance.

Here’s why you should pick financing needs to Time Investment:


1.  Our credit approval process is almost instantaneous.

2.  Our loan approval rates for orthodontic care providers are high.

3.  We’ll offer personalized training for you and/or your team members.

4.  We’ll offer a tailor-made Time Investment application for your business.


But that covers the basics – what else makes Time Investment a promising option?

Being a family-owned and operated business, we value relationships. Therefore, it is our top priority to hone long-term associations with our clients and lenders, making sure their interests always come first.

It is with this family-oriented mindset that we persistently deliver A-class client service – the likes of which aren’t being offered by any other traditional finance company.

Our partners love the work that we do

Read what our clients have to say about their experiences working with Time Investment.

Learn More

We have been working with TIC since 2008. The reason we use them is the personal service we receive. TIC owners John, Mike, and Tom are involved in the daily business. They make it real easy for the dealer and customer.

Steve, Culligan Water


My favorite part about TIC has been the continued support I receive from the folks that man the dealer services phones, and specifically from my dealer rep. My colleagues at TIC have a seemingly unlimited supply of patience for me. I value that team-oriented spirit and feeling that I get from TIC. I never feel like I’m alone, when using their service.

David, Allied Remodeling

Frequently Asked Questions

What is Time Investment?

Time Investment is a special third-party consumer financing company. Instead of lending directly to the end-buyers, we source finances from our lending partners to enable your new patients to pay with flexible payment plans.

What consumer financing products does Time Investment offer?

Time Investment offers installment loans to the patients of orthodontic care providers with low down payments and interest rates. Apart from the above, we also offer revolving lines of credit to niche orthodontic care businesses that have returning patients.

Why is Time Investment the best option for orthodontic financing?

Our raving fan customer service ensures that both our clients and lenders receive the best support - always prioritizing their best interests. It is because of this level of customer support that 95% of our clients come through just word-of-mouth.

Is it challenging to get loan approvals from Time Investment?

Having a high credit score is obviously an advantage in terms of getting better loan terms, but those with bad credit scores also have a chance of loan approvals. We’ll provide installment loans for prime, non-prime, and also no credit patients.

How do you evaluate credit applications?

We use the Common Sense Lending approach - through which we view every case differently (instead of relying on mere formulae). Our goal is to always work something out and provide flexible financing to the end-customers of our clients.

What other products and services do you offer financing for?

Apart from orthodontist financing, we also offer financing for other medical services, home improvement, energy conservation, and home food, to name a few.

How to Offer Orthodontist Financing to Customers

How to Offer Orthodontist Financing to Customers
Updated on August 26th, 2020

More and more, dentist firms and service providers are realizing the value of offering orthodontist financing to customers.

This isn’t surprising. After all, the stats indicate that there is a pressing and urgent need for dentistry services in the United States.  

Information shared by the Centers for Disease Control and Prevention (CDC) indicates that between the years 2015 and 2018, 13.2% of children in the U.S suffer from tooth decay. The same report shows that 25.9% of adults between 20 and 44 years of age live with untreated dental caries/cavities. 

What’s more, dentistry procedures are not cheap, with some operations exceeding as much as $100,000 depending on the service provider.

Needless to say, with dentistry services being in high demand coupled with the elevated costs associated with its rendering, providing orthodontist financing to patients is a fruitful and lucrative venture that dentistry firms need to consider. 

In this article, we will go over the type of orthodontist procedures that traditional finance plans typically cover, the benefits of offering it as a lender, and the best way you ought to go about delivering this financial solution to customers.

Let’s dive in.

An Overview of Orthodontist Financing

Orthodontist financing is a special line of monetary credit provided to patients to cover expenses related to orthodontic procedures and operations.

Due to the tendency to use the terms orthodontics and dentistry interchangeably, there is a notion that dental financing implies that a patient can access the same type of financial solutions afforded to those who seek orthodontist financing. 

It is undeniable that there are serious overlaps between the two fields. However, it must be stated that orthodontics refers specifically to oral health care services which cover standard dental care procedures as well as special operations related to the teeth and jaw that help to give people the perfect smile. 

Therefore, orthodontist financing usually covers operations such as the installation of metal braces and ceramic braces, retainers, clear aligners, and any other type of dental or orthodontic treatment. 

Patients who do not have an insurance plan or insurance coverage from a licensed insurance company, a well-funded health savings account, or do not enjoy the luxury of complete coverage under orthodontic insurance or dental insurance are those who need assistance funding their orthodontic care.

Therefore, they usually resort to financing options.

What Orthodontist Financing Brings to Lenders

Providing orthodontist financing to patients denotes a step in the right direction for dental and orthodontic firms that wish to gain high profit margins and reel in more clientele.

Here’s a breakdown of some of the main benefits associated with this type of practice for lending dental institutions: 

The Dangers of Traditional Orthodontist Financing Plans

Currently, patients who seek orthodontist financing for their dental work are accustomed to the following types of finance plans:

In as much as there is variety in the options presented, it must be stated that all of them constitute a serious concession to the borrower (in this case, the patient):

In summary, the main challenge today is that the finance plans available to customers are not suitable for all applicants.

Instead, the best way to correct the gap in meeting customer needs is to offer flexible finance plans to dental and orthodontic patients. 

Time Investment Company can give you the comprehensive guidance you need to ensure that it’s a success.

Time Investment Company for Orthodontist Financing

Time Investment Company (TIC) is a family-owned finance company that specializes in crafting finance solutions for businesses across varying niches so that their customers can secure comfortable and affordable finance plans for their services.

For the last forty (40) years, we have partnered with dental and orthodontic firms to provide coverage across a host of procedures including:

TIC works directly with orthodontic service providers to plan, draft, and provide attractive payment plans that make it easier for your patients to afford orthodontic care for a beautiful smile. Our financing solutions simply require patients to make a down payment on your service and clear the remaining balance by making fixed monthly payments at a lower interest rate than what traditional treatment plans cover. 

During our tenure, we have collaborated with more than 250K businesses and financed over $775M in successfully-repaid loans.

Partner with a company that works together and alongside you to create financial solutions that draw your patients in and increase your service orders.

Takeaways for Orthodontic Financing

In short, flexible finance plans have the potential to be one of the most remunerating, advantageous, and rewarding initiatives that orthodontic firms can undertake today.

TIC is poised to help you draw up financing solutions for your patients that’ll allow them to offset the cost of treatment and access your services under more favorable conditions.

Reach us via (800) 236-1177 to learn more about how we can assist you in accessing these plans for your patients today.