FigCare Pay connects you with multiple lending partners, giving qualified patients access to flexible monthly payment options for alternative medicine and holistic wellness treatments.
Your practice gets access to the tools, application links, and resources needed to start offering patient financing.
Introduce financing during consultations, treatment planning, estimates, checkout, or follow-up.
Once an approved patient's financing is funded, your practice receives payment and the lender handles repayment.
Alternative medicine financing gives your patients a comfortable way to pay for integrative and wellness programs, so cost is less likely to stand between them and the care that helps them feel their best.
Demand for complementary and integrative care keeps growing, yet most of it is paid out of pocket. A patient can believe in a functional medicine plan, a hormone therapy program, or a course of regenerative treatment and still hesitate when the full cost is due upfront. When that happens, many delay care or stop short of the program that would help them most.
A way to pay over time can change that. When patients know they have options, they are more likely to begin and complete the care you recommend, which supports better outcomes, stronger relationships, and a healthier practice.
With alternative medicine financing, patients can spread the cost into monthly payments while your practice is paid in full, upfront. You keep your fees, the lender handles repayment, and your patient can move ahead with their program.
Get Paid Upfront
Your practice receives the full amount once the loan funds, so you can focus on care instead of chasing balances.
Lender Handles Repayment
The lender takes on billing, reminders, and collections, giving your team back time for patients.
Keep Your Fees
Offer a caring way to pay without discounting the value of the programs your patients need.
Key Takeaways
Alternative medicine financing lets your patients pay for their care over time instead of all at once. A patient applies, reviews the options they qualify for, and moves ahead if approved. Your practice is paid in full when the loan funds, and the patient repays the balance as a standard installment loan, in set amounts over a fixed term.
FigCare Pay connects integrative and wellness practices with a network of lenders that help patients finance functional medicine, IV therapy, hormone therapy, regenerative treatments, and medical weight-loss programs. Because these services are rarely covered by insurance, a clear way to pay can be the difference between a patient starting care or putting it off.
| Stage | What Happens |
|---|---|
Step 1 Apply | The patient applies through your financing link and sees the monthly payment options they qualify for. |
Step 2 Choose an Offer | They compare the offers available to them and choose the term that fits their budget. |
Step 3 Begin Care | The loan funds, your practice is paid in full, and the patient starts the program you have planned. |
When a patient hesitates at the cost of a program, it is rarely because they doubt the value. More often, paying the full amount before care begins feels out of reach, especially when insurance covers none of it. Discounting your care chips away at what it is worth, and running an in-house payment plan asks your front desk to take on billing and follow-up. Financing offers a gentler path: your patient pays over time, and you keep your full fee while the lender manages repayment.
For practices that rely on out-of-pocket revenue, that predictability matters. Collecting in full upfront makes it easier to plan for staffing, supplies, and the equipment many integrative programs depend on.
Financing tends to help most with care that has a clear scope and price. Functional medicine, IV therapy, hormone therapy, regenerative treatments, medical weight loss, and structured acupuncture or naturopathic plans are all common candidates, though eligibility ultimately rests with the lender.
Functional & Integrative Medicine
$2,000 – $10,000
Comprehensive programs with testing, protocols, and follow-up visits over a defined course of care.
IV Therapy & Infusions
$1,000 – $4,000
Nutrient infusion packages and membership plans patients pay for as a bundle rather than per visit.
Hormone Therapy Programs
$1,500 – $6,000
Hormone optimization and pellet therapy plans delivered over several months of ongoing care.
Regenerative Therapies
$3,000 – $15,000+
PRP, peptide, and cell-based therapies where higher costs make paying over time especially helpful.
Medical Weight Loss
$1,500 – $6,000
Multi-month medical weight-loss and metabolic programs combining visits, labs, and coaching.
Acupuncture & Naturopathic Plans
$1,000 – $5,000
Structured treatment packages that span a full course of care rather than single sessions.
Figures are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
Patients appreciate hearing about payment options directly from the practice they trust, so it helps to make monthly payments a natural part of the care conversation rather than something you raise only after someone hesitates at the price.
The earlier patients know that paying over time is an option, the easier it is for them to say yes to the care you recommend. Make it visible from the first touchpoint, so financing feels like a normal choice rather than a last resort.
Before the Visit
During the Consultation
There is more than one way to collect payment, and each asks something different of your team. The real difference is how much time and follow-up lands on your front desk.
| Payment Method | When You Get Paid | Who Manages Repayment | Admin Overhead | Best For |
|---|---|---|---|---|
| FigCare Pay Financing | In full, once the loan funds | The lender | Low | Higher-cost wellness programs |
| Pay in Full | Right away | Not applicable | Low | Patients ready to pay upfront |
| Credit Card | After processing | Patient and card issuer | Low | Patients using available credit |
| Buy Now, Pay Later | Varies by provider | The provider | Low to moderate | Smaller balances, within provider limits |
| Your Own Payment Plan | Over time | You | High | Short-term arrangements you manage yourself |
In short: financing lets your practice collect in full upfront while the lender manages repayment, so your team can spend its energy on patients rather than payment tracking.
Picture a patient who begins a $4,800 hormone and wellness program and pays you $800 a month for six months. You are delivering care while waiting on the balance, and a late or failed payment becomes your team’s problem to chase.
With financing, the patient borrows for the program, the loan funds, and you are paid in full while the lender handles repayment. The lender sets the rate, term, and approval.
Figures are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
Give patients a comfortable way to pay monthly while you keep your fees and hand the billing to the lender.
The patient applies directly and may be asked for details about their identity, income, and credit. The lender decides the offer, including the rate, any fees, and the term.
The process varies from one lender to the next, and some let patients preview their options before a full application. Once everything is finalized and the loan funds, your practice is paid according to your agreement.
If a Patient Misses a Payment
The loan is between the patient and the lender, so missed payments fall under the lender’s policies. Keep clear records of your care agreement and the services you have delivered.
If a Patient Pauses Care
Spell out in your care agreement how you handle pauses, missed visits, and changes to a program. A pause in care does not automatically change the patient’s loan.
If a Patient Cancels
Set your cancellation and refund terms before care begins. Any refund or adjustment follows your agreement and the lender’s terms.
Keep your care and pricing clear, present financing as one option among several, and send every question about rates and terms to the lender.
Describe your services accurately within your scope of practice, put your care plan and financial agreement in writing, and frame financing as a way to pay, never as a promise of a specific health outcome. When you market programs, results, or testimonials, make sure you keep health and wellness claims truthful and well substantiated, which matters even more in integrative care where expectations run high.
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If you offer functional medicine, IV therapy, hormone programs, regenerative treatments, or medical weight loss and often hear some version of “I want to do this, but I cannot pay for all of it right now,” financing may be a natural fit. Giving patients a comfortable way to pay keeps cost from ending the conversation and lets more of them commit to the care that supports their long-term health.
FigCare Pay helps integrative and wellness practices weave monthly payment options into the care conversations they already have. Your patients get a comfortable way to pay over time, you keep your fees, and your practice is paid in full once the loan funds, so cost is one less thing standing between patients and their wellness goals.
Ready to Add Financing to Your Practice?
Request information to see how quickly you can start offering monthly payment options.
Important: FigCare Pay is not a lender and does not make credit decisions. Financing is provided by participating third-party lenders and is subject to eligibility, underwriting, approval, applicable terms, and provider requirements. This page is for general informational purposes only and is not legal, tax, credit, medical, or financial advice.
Healthcare providers often face the challenge of balancing patient affordability with business growth. FigCare Pay helps solve this challenge by creating flexible financing opportunities for both patients and practices.
Receive full payment within 1–2 business days of approval, no matter the patient's repayment term.
Practices consistently see more treatment plans accepted once monthly payment options are on the table.
Financing is non-recourse, so your practice isn’t responsible for patient repayment or defaults.
A real onboarding and support team helps your front desk get comfortable offering FigCarePay from day one.
Give patients more options to afford treatments without delaying necessary care.
Help more patients say yes to recommended procedures by reducing financial barriers.
Create opportunities for growth with financing solutions designed for healthcare businesses.
Work with a streamlined approach that makes exploring financing options easier.
Patient cost objections are the leading cause of abandoned consultations. Adjust the sliders below to see how offering flexible, point-of-sale financing lifts your case acceptance rate and accelerates annual cash flow.
Projected Annual Practice Growth
Based on a conservative +20% case acceptance lift when offering multi-lender patient payment plans at the point of care.
Projections illustrate potential revenue gains based on benchmark conversion improvements across medical and aesthetic practices. Actual acceptance rates, volume, and collections depend on patient demographics and individual credit tier underwriting.
Alternative medicine financing is a way for patients to pay for integrative and wellness care in monthly installments through a third-party lender instead of paying the full cost upfront. The practice is paid in full once the loan funds, and the patient repays the lender over a set term.
The patient applies through the practice’s financing link, reviews the monthly payment offers they qualify for, and proceeds if approved. Once the loan funds, the practice receives the full program cost upfront and the lender handles all repayment, billing, and collections.
Patients commonly finance functional and integrative medicine programs, IV therapy, hormone therapy, regenerative treatments such as PRP, medical weight-loss programs, and structured acupuncture or naturopathic care. Eligibility for any specific service is determined by the lender.
Most alternative and integrative care is paid out of pocket, because insurance often does not cover services like IV therapy, hormone optimization, PRP, and many naturopathic or wellness programs. That coverage gap is a big reason patients look for a way to pay over time.
Some alternative medicine services may be HSA or FSA eligible when they qualify as medical care, sometimes with a letter of medical necessity, but eligibility depends on the plan and IRS rules. Financing is a separate option that can cover costs a patient cannot or does not want to pay from those accounts, and patients should confirm eligibility with their plan or tax advisor.
No, patients can check their options with a soft credit inquiry that does not affect their credit score. A hard inquiry, which may affect the score, generally happens only if the patient moves forward with a specific offer. The exact process varies by lender.
The practice is typically paid in full once the loan funds and any funding requirements are completed. Exact timing depends on the lender and the financing product, so follow the funding steps your financing provider outlines.
Many installment loans can be paid off early, and whether there is a prepayment penalty depends on the lender. Patients should review their loan agreement or ask the lender before assuming they can pay ahead without a fee.
Connect with FigCare Pay to discover how flexible financing options can help your patients and support your healthcare business growth.