Patient financing is one of the most genuinely useful tools in the modern med spa and one of the easiest to use against yourself. At its best, it turns a $4,000 "that's more than I can do right now" into a manageable monthly "yes," letting a patient access a treatment plan they wanted but couldn't pay for in a lump — which expands your effective market without dropping your prices. At its worst, it becomes a reflex at checkout that quietly takes a cut of every transaction, including all the ones the patient would have paid in full anyway. The platforms — Cherry, Wisetack, PatientFi, and others — aren't the problem. How deliberately you deploy them is.
Operations
Patient Financing Done Right: Cherry, Wisetack, PatientFi, and the True Cost of 'Free' Financing
Financing turns a $4,000 'no' into a manageable monthly 'yes' — and quietly takes a cut of every transaction. Used deliberately it expands your market; used reflexively it discounts your whole book.
