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.
Leaking every year
$0
$0 of leakage for every hour you spend operating.
1 · No-close
2 · Single procedure
3 · Discounts
4 · Finance charges
1
The consult that doesn't book
You paid for the lead, the call, the room and the hour. 0 of the patients who walked out this year walked out over price and would have said yes to a real payment plan. You also burned $0 of lead spend on them.
Revenue — apply your margin
$0
2
The single procedure
They wanted three things and could afford one. You quoted to the budget instead of the outcome. 0 second procedures a year, never sold.
Revenue — apply your margin
$0
3
The discount
A slice off the top of your fee to the financing company ($0), plus the cash discount you give to avoid it ($0). You already did the case. This comes straight out of the bottom line.
Pure margin
$0
4
The finance charges
On the interest-bearing part of your book, patients pay 21% of principal in finance charges over the life of a 30-month plan. Somebody collects that. In every other industry it's the business that carries the paper. Once every plan is interest-bearing and leaks 1 and 2 are closed, the pool is $0.
Margin — before servicing and credit losses
$0
Margin leaks — 3 and 4
Recovered without a single extra patient or operating hour. Leak 4 is before servicing and credit losses.
$0
Additional revenue — leaks 1 and 2
Apply your own contribution margin. This is upside, not profit.
$0
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.
The first 100 practices join as charter members and share in what they build. Ask about it when you request access.
The fourth leak.You carry the patient, the clinical risk and the cost of finding them. Today somebody else collects the finance charges.
What is an hour of your time actually worth?What you charge for an hour in the operating room, against what quietly leaks out of it.
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 with financing that actually approves.
- 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 — 21.3% of principal. cutie.fi's band is 14–17% fixed, $2,500–$75,000.
- 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.
- 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.