PRP Joint Injection
Single knee or shoulder, in-office
$1,200Protocol
Path0% APR card · 12 mo
Patient pays$100/mo
Stem Cell · PRP · Exosomes · Peptides · NAD+ · TRT · 2026
Patient financing
when no one will underwrite you.
DTC personal loans and 0% APR cards built for regenerative medicine — the vertical Cherry, Alphaeon and CareCredit decline. Patient-direct funding for stem cell, PRP, exosomes, peptides, IV and TRT. No merchant underwriting required.
Live in 24 hours
$0 setup · No monthly fees
No practice underwriting
STEM CELLEXOSOMESPRP / PRFIV / NAD+PEPTIDESTRT / HRTHBOTOZONEPROLOTHERAPYSHOCKWAVEREGEN ORTHOMEMBERSHIPS
The pain
"The protocol is right.
The financing isn't."
Regen practices write protocols every day that never become bookings — because the patient can't write a check, and the legacy patient-finance programs won't underwrite the practice in the first place.
Cherry, Alphaeon and CareCredit won't board you.
Stem cell, exosome, peptide and off-label IV protocols flag every traditional patient-finance underwriter. Even compliant regen clinics get declined or quietly off-boarded — leaving the practice with no installment option at the consult.
"Let me think about it" kills the protocol.
No one writes a $9,800 check for a stem cell knee package on a Tuesday. Without a real monthly payment in the plan, the patient says they'll "come back" — and the protocol never starts.
Cash and card-on-file caps your ticket.
When the only option is a credit card swipe or a check, average ticket collapses to a single PRP injection or one IV. The 6-injection series, the 12-month TRT + peptide stack, the full hormone optimization — they walk out the door.
"That's more than my mortgage."
A $9,800 stem cell package on 24 months is $475/mo of friction. Stretched to 60 months, it's $204/mo — and the patient signs at the consult. Term flex closes regen protocols.
Fits the protocols you already prescribe
Four protocols. Four paths. Zero merchant underwriting.
IV NAD+ Series
10-infusion NAD+ + glutathione protocol
$3,800Protocol
PathDTC · 24 mo · 8.99% APR
Patient pays$176/mo
Stem Cell + Exosome Package
Bilateral knee or shoulder regenerative protocol
$9,800Protocol
PathDTC · 60 mo · 8.49% APR
Patient pays$204/mo
TRT + Peptide Stack
12-mo hormone optimization + BPC-157 / CJC-Ipa
$4,500Protocol
PathDTC · 36 mo · 9.49% APR
Patient pays$143/mo
The Solution
Two patient-direct paths. No merchant underwriting.
Better Financing built for regen exactly the way Cherry and CareCredit can't: funds flow patient → lender → patient, never patient → lender → practice. That means no merchant agreement, no chargeback exposure, no off-board risk on your stem cell or peptide protocol — and full installment options at the consult.
Path A · $5K – $35K · Most popular
25+ Lender DTC Network
Stem cell & exosome packages, 12-mo TRT + peptide stacks, full hormone optimization, IV/NAD+ series, regenerative orthopedic protocols. DTC personal loans, 24–60 months, sub-9% APR for qualified patients — funds wire to the patient, who pays you direct.
- Zero practice underwriting — no merchant agreement
- Soft-pull pre-qual — no credit impact at the consult
- Multi-lender waterfall, one application, sub-60s offers
- Solutions down to 600 FICO with secondary tier
Path B · Under $5K · Instant
0% APR Cards
Single PRP injection, an IV NAD+ booster, monthly hormone refill, peptide starter month, regen-membership dues. Issued direct to the patient — settles as a standard credit-card transaction at your existing terminal. No dealer fee, no merchant onboarding.
- Approvals down to 600 FICO — instant at the front desk
- Settles on your existing card processor — no new merchant agreement
- Use for deposit, balance, or split — stack cards for series pricing
- Zero dealer fee — keep 100% of the protocol margin
DTM (Direct-to-Merchant) waterfall financing is also available for the limited subset of regen practices that pass traditional patient-finance underwriting. Most clients run DTC + Card and never need it.
Built for growing regen brands
From one clinic to a regional brand — one dashboard runs them all.
Real-time reporting at the location level. Know your pipeline, win more, and keep more — without exporting a single CSV.
Live · Last 30 days
Regen Pipeline
All clinics
Submitted
248
+18%
Approved
176
71% rate
Funded
$614K
+24%
Stem Cell Knee · 60mo
$9,800Funded
TRT + Peptide · 36mo
$4,500Approved
PRP Series · 0% Card
$1,800Funded
IV NAD+ · 24mo
$3,800Submitted
Real-time pipeline
Live application status, approvals, and funded events — refreshed the moment a lender responds.
Location-level reporting
Roll up across the brand or drill into a single clinic. Compare submitted, approved, and funded by site.
Protocol-level tracking
See which protocols (stem cell, peptides, TRT) close at the consult — and which need a longer term to convert.
Win more, keep more
Approval rate, blended APR, average ticket, and revenue captured — the numbers that move the practice.
Built for regen practices
Patient-direct funding so your protocol never dies at the consult.
Why Better Financing
Built for regen — because no one else will board you.
One stack of lenders, one application, one patient experience. No merchant underwriting. No subscription. No surprise dealer fee. Just more bookings.
0
Merchant underwriting
DTC + Card paths run patient-direct. No practice underwriting, no merchant agreement, no off-board risk on your stem cell or peptide protocol.
25+
Lender network
Prime, near-prime and second-look DTC lenders competing for every regen patient — not one Cherry program with one answer.
$0
Setup + monthly
No platform fee. No volume minimum. You only pay when a protocol funds — and on the card and DTC paths, you don't pay at all.
24h
To go live
Onboard Monday, run your first patient application Tuesday. Front-desk and provider training included.
<9%
Blended APR
For qualified patients on combined card + DTC offers — a number CareCredit's 26.99% deferred-interest promos can't touch.
60mo
Max term
Amortize a stem cell package or 12-mo TRT + peptide stack across 5 years. Drop monthly under $200. Close the protocol at the consult.
The competitive set
Why the legacy players say "no" to regen.
Cherry, Alphaeon and CareCredit each underwrite the practice and put the loan on their own balance sheet. That model can't carry the chargeback risk of off-label peptides, the FDA gray-zone of stem cell injectables, or the cash-pay variability of regen orthopedic protocols. Better Financing's model is patient-direct: the lender contracts with the patient, not the practice. That's why we can fund what they decline.
| Feature | Better FinancingYou're here | Cherry | Alphaeon | CareCredit |
|---|---|---|---|---|
| Boards regenerative medicine practices | ||||
| Funds stem cell / exosome / peptide protocols | ||||
| Patient-direct (no merchant underwriting) | ||||
| Lenders in waterfall | 25+ | 1 (issuer) | 1 (issuer) | 1 (issuer) |
| 0% APR card path on existing terminal | ||||
| Approves down to 600 FICO | ||||
| Annual platform / subscription fee | $0 | $0 | $0 | $0 |
| Soft-pull pre-qual |
Sources: Cherry merchant program disclosures (withcherry.com, 2025); Alphaeon Credit merchant materials (alphaeoncredit.com); CareCredit Provider Center (carecredit.com/providers). Each platform's regenerative-medicine boarding policy is confirmed by direct conversation with merchant onboarding teams, 2025-Q4. Practices in regenerative medicine should verify current policies directly before contracting.
How it works
From consult to funded — in a single visit.
01
Build the protocol
Your provider builds the regen protocol — stem cell + exosome series, TRT + peptide stack, full IV/NAD+ course — and presents both total price and an estimated monthly. Financing is offered up-front, not as a save.
02
Soft-pull pre-qual
Front desk texts the patient the BFS link. Soft pull, zero credit impact. Real offers from the 25+ DTC lender waterfall in under 60 seconds — at the consult.
03
Pick the path
0% card for the $1,200 PRP injection. 36-mo DTC for the $4,500 TRT + peptide year. 60-mo for the $9,800 stem cell package. Patient e-signs from their phone.
04
You get paid — direct.
0% cards run as standard credit-card transactions on your existing terminal. DTC loan funds wire to the patient, who pays you direct. No merchant agreement, no chargeback exposure, no off-board risk.
Live in 24 hours · $0 setup · No merchant underwriting
Ready to start
Fund the protocol.
Skip the underwriting.
Live in 24 hours. $0 setup. No merchant agreement. Take your first patient application this week.