For aesthetic practices
Four places your money leaks between the ad spend and the bank.
Put in your own numbers. The arithmetic is yours, not ours. Most practices are surprised by leak four.
Four questions to ask any financing partner
Here's how cutie.fi answers them.
What a plan looks like
An illustrative example using sample terms.
Payment is rounded to the nearest dollar. Actual terms depend on the program and underwriting decision.
Margin you're giving away every year
Before a single extra patient or operating hour. Separately, $0 a year in additional revenue is available if you also close leaks 1 and 2 — that is gross revenue, so apply your own contribution margin to it.
$0 of margin leakage for every hour you spend operating.
Over a career
Margin leaks every day you practice.
This illustrative model extends the annual calculator across a working career. It carries the margin leaks only, the same ones behind the headline figure above: the fee off the top, the cash discount and the finance charges. Leak 4 is before servicing and credit losses. Leaks 1 and 2 are additional revenue on cases you are not doing yet, so they are not projected here.
Your fee is your fee.
With cutie.fi the practice extends the credit and owns the receivable. No merchant discount. No fee off the top of your fee. No upfront cost. cutie.fi is paid a servicing fee contingent on payments actually collected. The finance charges are yours, net of servicing.
How this is calculated, and what it assumes
- Of the consults that don't close, 50% are assumed to be affordability-driven, and 20% of those recoverable when an affordable payment plan is available.
- 30% of booked patients are assumed to want an additional procedure, 40% of whom convert when the headroom is visible at the consult. Add-on valued at 40% of the primary fee.
- Finance charges modelled on a level-payment amortising plan at 15.5% APR over 30 months, about 21.3% of the amount financed. Actual APR, repayment term and down payment vary by applicant and available program terms.
- Leak 4 applies only to the interest-bearing share of your financed book. Deferred-interest promotional plans generate no finance charges for anyone, so leaks 3 and 4 are never charged against the same case.
- Leak 4 is the finance charge over the full 30-month life of one year's plans. It reaches this level as annual cash roughly two and a half years after you start.
- Blended acquisition cost per consult assumed at 3% of the average fee.
- The career graph projects the margin leaks only (3a, 3b and 4), so one peak year of it equals the margin headline above. It does not project leaks 1 and 2, or referrals from the patients they recover: those are gross revenue, and projecting them here would overstate what a career of this is worth.
- The career graph runs from age 35 to 65 and scales volume through a career: a ramp over the first twelve years, a plateau from the late forties through the fifties, and a 20% ease by 65. The sliders set the peak year; every other year is a share of it. Discounts (leak 3) are shown as already deducted from what you collect today.
- Leaks 1 and 2 are gross revenue and consume additional operating time. Leaks 3 and 4 are margin on cases you are already doing; leak 4 is shown before servicing and credit losses.
- Illustrative model, not a projection or a guarantee of results. Your outcome depends on volume, case mix, credit performance and the terms you set.