Intrepid Lending presents a patient financing solution for medical practices that is more effective than conventional options. It offers simple interest loans from 12-60 months for dental procedures with fixed, non-escalating interest rates between 8.99-19.99% depending on credit profile and loan term. The program aims to approve more patients than other alternatives by accommodating a wide range of credit levels. Practices pay a discount on the loan amount based on the patient's credit that is deducted from their payment, allowing reasonable interest rates.

1. Intrepid Lending
name with logo
 Effective, Patient Friendly Financing has
been unavailable to Medical
Practitioners and their Practices for
many years.
 Presently, less than a third of all
consumers can qualify for
current, conventional financing
programs making them less than
effective solutions in today’s
marketplace.
 Intrepid Lending presents a
fair, better, smarter and more effective
solution.
Let’s explore the possibilities…

2. Introduction
 Simple Interest term loans to pay for most Dental
procedures
 Patient can request repayment terms of 12 to 60
Months
 Low, fixed, non-escalating interest rates of 8.99%
to 19.99% based upon loan term, patient credit
profile and amount with no additional fees and no
pre-payment penalties. Monthly payment
amounts are also fixed for the term of the loan
 Accommodates Patients with both prime and
sub-prime credit
 Patient pays no interest if the loan is paid in full
within 90 days
 Twelve months no interest plans also available
 No recourse liability to the Practice and no
Minimum Fees
 Easy Online Application takes just minutes with
no Application Fee
 Loans funded electronically to the Practice’s
bank account
 within 3 business days of treatment
 Credit Account program for long term treatment
plans
 Most approvals in just seconds

3. Economics
The cost to the Practice is a function of the Patient’s Credit Profile. The
stronger the Patient Credit, the less the cost to the Practice.
The Practice is cooperating by sharing in the cost of the financing
which is a direct function of the statistical loan loss rate as correlated to
the Patient Credit Profile. The poorer the borrower’s Credit Profile, the
greater the loan loss expense and the higher the cost of the credit.
This cost of the credit is shared by the Practice in the form of a
Discount thereby allowing the interest rate to the Patient to be
attractive, reasonable and manageable. The Discount is a percent of
the loan amount which is deducted from the settlement of the loan
proceeds paid to the practice.
Credit Profile (Credit Scores above 670) 12% Discount
Credit Profile (Credit Scores 650 to 670) 20% Discount
Credit Profile (Credit Scores 630 to 650) 25% Discount
Credit Profile (Credit Scores 600 to 630) 30% Discount
Estimated Discount costs can be added into the calculation of
published or advertised prices or treatment cost estimates

4. Flexible and Easy
 Log into your Loan Processing Account online
 Complete the simple Electronic Application on behalf of your
Patient or have the Patient access the application privately from
your website. Apply for the maximum amount you estimate will be
needed to pay for the planned procedure or treatment
 You or your Patient can use the Payment Calculator in the
application to determine the loan term required to achieve the
desired monthly payment
 Get an Approval Notification from the system
 Click on the Approval Notification to see the details to include the
discount cost, interest rate and payment amount
 Complete your evaluation and determine the final cost of services
 Enter the final amount to be financed and print out the Credit
 Agreement for the Patient to sign
 Mail the original, signed agreement to us and complete the
procedure as scheduled
 Receive the settlement of the loan proceeds in your bank account
within three days from the scheduled completion date of the
treatment

5. Cost and Benefits
Key Benefits over currently available
Financing Alternatives:
 Two to Three times better approval rates mean
many more Patients, more profitable
procedures and much higher revenues
 Longer, simple interest terms allow for lower
and more affordable payments on more costly
procedures
 Fair and simple credit terms along with low
interest, fixed rates and no hidden fees make
for happy Patients and drive accelerated
referrals
 Absolutely no recourse liability to you
 No waiting until the end of the month for loan
funding. Receive funding within days of
treatment
 No Minimum Fees
 No Long Term Contract
 No Cancellation Fees

6. Advertising Payments
Example:
A Dental Clinic wants to promote their Porcelain on gold crown for 2 teeth in
order to build the Practice and increase revenues
They wish to net $2,160 for the procedure. They want to advertise an affordable
payment and reasonable repayment term of 36 Months or less
Here is how they approached the opportunity:
Desired Net Proceeds: $2,160
Estimated Average Financing Discount: 20%
Gross Cost Calculation: $2,160 / 0.80 = $2,700
Payment Calculation: $2,700 x 0.037 Maximum Payment Factor = $99.95
Result:
They successfully advertised the procedure for 36 Affordable Monthly Payments
of $99.95 or less thereby making the treatment accessible to more people and
creating a powerful and effective message

7. Program Costs Cost
 The applicable Loan Discount per Credit
 Application
 $79.99 Monthly Service Fee
You can cancel at any time without cost or
penalty. There is no need use the Intrepid
Lending program as your exclusive financing
source and there are no minimum use
requirement or minimum fees
 All Accounts include Unlimited Live
Customer
 Support and recurring Staff Training.