Luma

Luma makes it easy for dental & aesthetic clinics to offer monthly plans — with instant approvals and upfront clinic payouts — integrating seamlessly with your existing practice tools.

No hard credit checksUpfront payments to clinicsHigher approvals
Book Demo

How it works

A lightweight flow built for clinic teams. Private beta today — invite-only access.

  1. Step 1

    Free Clinic Sign Up

    Create your clinic profile and enable payment plans in minutes.

  2. Step 2

    Easy Patient Application

    Send a link or QR. Patients apply in seconds—at home or in-clinic.

  3. Step 3

    Instant Approval & Payout

    Approvals arrive instantly. Clinics receive funds up front.

Instant decisionsUpfront clinic payoutsNo hard credit checks

Luma for every side of care

Two tailored experiences—one unified platform.

Luma for Providers

Convert more consults and get paid the same day—without slowing down your front desk.

  • Built to scale with your practice. Add new locations, manage teams, and control access—no setup friction.
  • Track everything in real time. See approvals, payouts, and patient applications update instantly.
+8%
87%
Approval rate
+$6.3k
$32,740
Payouts today
+5
24
Apps approved
+3
12
New patients

Approvals (2w)

+18%
Mon → Today
Recent approvals
  • AN
    Ava Nguyen
    $9,000
    Approved
  • MC
    Marcus Cole
    $17,500
    Approved
  • PQ
    Priya Quinn
    $13,000
    Approved

Why Luma

Clinic-first financing that raises conversion, keeps cash flow upfront, and welcomes lender partners.

Soft-pull pre-qualUpfront clinic payoutLive in minutes

Instant Onboarding

Turn on plans and invite patients in minutes — value on day one.

Quick setupNo heavy ITSelf-serve invites

No Hard Credit Checks

Pre-qualification with no impact to patient credit scores — easier “yes.”

Soft pull onlyPatient-first

Higher Approvals

Flexible decisioning built to approve more of your qualified patients.

Multiple lendersSmart routing

Upfront Clinic Payouts

Clinics receive funds immediately — no chasing, no waiting weeks.

Same-day payoutReconciliation ready

Built Around the Journey

From application to approval, every step respects clinic workflows.

Front-desk friendlyFewer clicks

Multi-Lender Network

One interface, many options — fit more patients and ticket sizes.

Broader coverageBetter fit
Access by invitationAPI-first integrationsBuilt for clinic teams

Who we serve

Purpose-built financing for elective care — from dental to tattoo studios.

Dental

Implants, ortho, cosmetic — flexible plans that close treatment.

ImplantsAlignersCosmetic
Dental visual
Demo

Aesthetics

Medspa & injectables — improve conversion without promo gimmicks.

Botox / FillerLaserBody sculpt
Aesthetics visual
Demo

Plastic Surgery

Larger-ticket procedures with upfront clinic payouts.

RhinoplastyLipoTummy tuck
Plastic Surgery visual
Demo

Dermatology

Elective + cosmetic derm; simple plans patients actually use.

Acne careLaserScar revision
Dermatology visual
Demo

Tattoo Studios

Make bigger pieces more accessible with monthly plans.

SleevesBack piecesCover-ups
Tattoo Studios visual
Demo

Other Clinics

Ophthalmology, wellness, and more — ask about private beta access.

LASIKWeight mgmtWellness
Other Clinics visual
Demo

Ready to Get Started?

Join our early access list or schedule a demo — let's grow your practice together.

Prefer a quick demo?

No spam — just early access updates. Unsubscribe anytime.