FigCare Pay helps patients spread the cost of eligible regenerative medicine treatments and therapies into manageable monthly payments through financing options from multiple lending partners.
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.
Regenerative medicine financing gives your patients a comfortable way to pay for treatment plans and therapy packages, so cost is less likely to stand between them and the care they are considering.
Regenerative treatments are elective and almost always paid out of pocket. A patient can be a strong candidate for a PRP series or a cell-based therapy plan and still hesitate when the full cost is due upfront, and because the FDA notes that many regenerative and stem cell products are not FDA-approved, insurance rarely covers them. When cost is the only thing in the way, a qualified prospect who is genuinely interested can walk away.
A way to pay over time changes that. Financing helps patients evaluate a larger purchase or service package on their own terms, and when they know they have options, more of them enroll and complete the plan you recommend.
With regenerative 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 begin their treatment plan.
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 flexible way to pay without discounting your treatment plans or packages.
Key Takeaways
Regenerative medicine financing lets a patient pay for a treatment plan or therapy package in monthly installments, while your practice is paid in full once the loan funds.
The patient applies, reviews the options they qualify for, and moves ahead if approved. Your practice receives the full amount when the loan funds, and the patient repays the lender over a term that fits their budget.
FigCare Pay connects regenerative and orthobiologic practices with a network of lenders that help patients finance PRP, cell-based therapy, exosomes, bone marrow concentrate, peptide therapy, and bundled treatment plans. Because these treatments are paid without insurance, a clear way to pay is often what turns an interested prospect into an enrolled patient.
| 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 the Plan | The loan funds, your practice is paid in full, and the patient starts their treatment plan. |
Offer monthly payments through a lender, so patients pay over time while you keep your full fee and skip the billing and collections.
When a patient hesitates at the cost of a treatment plan, it is rarely because they doubt the potential benefit. More often, paying for a full series or package all at once feels out of reach. Discounting cuts into your pricing, and running your own payment plan asks your team to take on billing and collections. Financing keeps both off your plate: your patient pays over time, and the lender manages repayment.
Because regenerative care runs almost entirely on out-of-pocket revenue, that predictability helps you plan around biologic supply, staffing, and the multi-visit plans your model depends on.
Patients most often finance PRP, cell-based therapy, exosomes, bone marrow concentrate, peptide therapy, and regenerative wellness treatments, as single treatments or bundled therapy packages.
Financing fits regenerative care that patients pay for themselves, though eligibility for any specific treatment ultimately rests with the lender.
PRP Therapy
$500 – $2,500 per session
Platelet-rich plasma for joints, tendons, hair, and aesthetic uses, often in a series.
Cell-Based Therapy
$5,000 – $25,000+
Higher-cost cell-based treatment plans, one of the most common reasons patients seek financing.
Exosome Therapy
$2,000 – $6,000
Exosome-based treatments offered for orthopedic, aesthetic, and wellness goals.
Bone Marrow Concentrate (BMAC)
$5,000 – $8,000
Bone marrow aspirate concentrate procedures, often for joints and orthopedics.
Peptide Therapy
$300 – $1,500 per month
Ongoing peptide protocols for recovery, performance, and wellness.
Regenerative Wellness Treatments
$1,500 – $2,500
Regenerative sexual wellness and aesthetic treatments offered as packages.
Card ranges are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
Regenerative treatments range from a few hundred dollars for a PRP session to tens of thousands for a cell-based therapy plan, and they are rarely covered by insurance.
Pricing varies widely by treatment, provider, and the number of sessions in a plan, and no single national body publishes an average, so the figures below reflect common self-pay ranges. Because this care is paid out of pocket, financing is a natural fit for helping patients commit to a full treatment plan.
| Treatment | Typical Cost |
|---|---|
| PRP therapy (per session) | $500 – $2,500 |
| Cell-based therapy plan | $5,000 – $25,000+ |
| Exosome therapy | $2,000 – $6,000 |
| Bone marrow concentrate (BMAC) | $5,000 – $8,000 |
| Peptide therapy (per month) | $300 – $1,500 |
| Regenerative wellness package | $1,500 – $2,500 |
Figures are illustrative typical self-pay ranges; there is no single national average for regenerative medicine. Actual pricing varies by treatment, provider, and the number of sessions.
Offer financing when a qualified prospect is interested but needs another way to handle the cost, as a normal part of enrollment rather than a last-minute option.
A simple, consistent sequence keeps the conversation comfortable for patients and staff alike.
Make financing visible before and during the consultation, on your website, discovery calls, intake forms, and at the treatment proposal.
The earlier a prospective patient knows that paying over time is an option, the more likely they are to enroll, so financing should read as a normal choice rather than a last resort.
Before the Consultation
During Enrollment
Financing pays your practice in full upfront and hands repayment to the lender; an in-house plan leaves you waiting on the balance and chasing missed payments.
Practices collect payment in several ways, and the real difference is how much time and risk each one puts on your team.
| 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 | Treatment plans and therapy packages |
| 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 |
Consider a patient who enrolls in a $6,000 regenerative treatment plan. With your own plan at $1,000 a month over six months, you deliver the sessions 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 plan, the loan funds, and you are paid in full while the lender handles repayment and 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 flexible way to pay monthly while you keep your fees and hand the billing to the lender.
The patient applies directly, the lender sets the rate and term, and once the loan funds your practice is paid according to your agreement.
During the application, the patient may be asked for details about their identity, income, and credit, and 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 per your arrangement.
The loan is between the patient and the lender, so repayment issues follow the lender’s policies, while your own cancellation and refund terms cover the care side.
If a Patient Misses a Payment
Missed payments fall under the lender’s policies. Keep clear records of your agreement and the care you have delivered.
If a Patient Pauses a Plan
Spell out in your agreement how you handle pauses, missed sessions, and changes to a treatment plan. 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, especially for a multi-session plan already underway. Any refund or adjustment follows your agreement and the lender’s terms.
Describe treatments accurately, do not imply a therapy is FDA-approved when it is not, present financing as one option among several, and send every question about rates and terms to the lender.
Regenerative claims are closely scrutinized, so keep your descriptions of benefit within your evidence and scope, put your plan and financial agreement in writing, and frame financing as a way to pay, never as a promise of a specific result. When you market outcomes and testimonials for regenerative therapies, keep them truthful, representative, and well substantiated.
| Do This | Avoid This |
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If you offer treatment plans or therapy packages and regularly hear cost objections from interested prospects, financing is likely a strong fit.
When a qualified patient says some version of “I want to do this, but I cannot pay for all of it right now,” a flexible way to pay keeps cost from ending the conversation and helps more of them enroll in the plan you recommend.
Add monthly payment options to the enrollment process you already run, keep your fees, and get paid in full once the loan funds.
FigCare Pay helps regenerative and orthobiologic practices build financing into their existing process, so cost is one less reason a qualified prospect delays or declines a treatment plan.
Ready to Add Financing to Your Regenerative 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. Cost figures are illustrative typical ranges and do not reflect any specific practice’s pricing. Regenerative and stem cell products vary in FDA status; providers are responsible for accurate, compliant descriptions of the care they offer. 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.
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 fee and the lender manages repayment, so the patient can begin their treatment plan.
Insurance rarely covers regenerative treatments like PRP and stem cell therapy for orthopedic or wellness use, because many are considered investigational and are not FDA-approved for those uses. A few FDA-approved cell-based therapies for specific medical conditions may be covered, but most regenerative care is paid out of pocket, which is why financing is common.
Patients commonly finance PRP, cell-based therapy, exosome therapy, bone marrow concentrate, peptide therapy, and regenerative wellness treatments, as single treatments or bundled therapy packages. Eligibility for any specific treatment is set by the lender.
In many cases 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.
Connect with FigCare Pay to discover how flexible financing options can help your patients and support your healthcare business growth.