Summary
Sunbit gives dental practices a clear and predictable way to offer patient financing with simple fees and the highest approvals. Practices know their costs up front with only two pricing tiers and no hidden ranges. Patients get low upfront and monthly payments with interest free options and no fees. This transparent model removes confusion, supports smoother workflows, and helps more patients say yes to care. Sunbit brings clarity to an industry where pricing can be confusing and builds long term trust between practices and patients.
Key points:
- Sunbit benefits for practices:
- The highest patient approvals to increase case acceptance
- Simple, transparent merchant fees to improve cash flow predictability
- Fast & friendly application to make checking options a breeze
- Rewards to recognize and celebrate your team
- Sunbit benefits for patients:
- Low upfront & monthly payments always available
- Interest-free options for every approved patient
- No fees or gotchas, ever
Why We Do It
In an industry where fine print often overshadows fairness, Sunbit takes a different path. Our mission has always been simple: make care more accessible for patients while helping practices grow without hidden fees, confusing pricing structures, or surprises at settlement.
For dental practices, that starts with a clear, transparent pricing model for our dental offices. Sunbit offers only two price tiers: one for prime and one for subprime borrowers so practices always know what to expect. No sliding scales, no buried ranges that change depending on the type of loan or length of term. Many practices tell us they appreciate that clarity because it lets them plan confidently, project their average cost of financing, and focus on what matters most: patient care.
We also reward loyalty and consistency. Practices that frequently use Sunbit financing can enjoy volume discounts, meaning the more you help patients say “yes” to care, the lower your average costs become. From the very start of our partnership, your team knows what your fees will look like over time. No games. No guesswork.
Unfortunately, not all pricing models in this space work this way. Some lenders publish a “range” that looks attractive at first glance but applies only to very specific cases such as short-term, 0% APR loans. As loan terms extend, or as patients seek to spread payments over 12–24 months, merchant costs can increase substantially, even for creditworthy borrowers. The result is a system that can create real friction between patient and practice.
Here’s why that matters. When practices face unpredictable fees, they may unintentionally steer patients toward certain options or away from financing altogether. That’s not fair to the patient, who deserves transparent choices, and it’s not fair to the practice, which bears the burden of unclear economics. Sunbit’s model removes that conflict by keeping pricing consistent and transparent across all financing options.
This approach doesn’t just make sense ethically, it makes sense financially as well. Practices using Sunbit report smoother workflows, better treatment acceptance, and happier patients who appreciate knowing exactly what they’ll pay and when. Our data shows that when practices can present financing options with confidence, patient acceptance and satisfaction rise in tandem.
Finally, unlike other lenders who may decide to drop practices because of bad loan performance, dental practices working with Sunbit can rely on consistent pricing, full transparency, and peace of mind knowing their partnership is never at risk due to loan outcomes.
At Sunbit, we believe access to care shouldn’t depend on complicated math or hidden variables. We’ve built our technology, underwriting, and support systems around that belief by offering near-instant approvals, clear disclosures, and fair pricing for everyone involved.
Transparency isn’t a slogan for us. It’s a promise to our dental practices, to their patients, and to the communities they serve.
Loans are made by Transportation Alliance Bank Inc. dba TAB Bank, which determines qualifications for and terms of credit.