Overview

OrthoFi provides a technology-driven platform that helps orthodontic practices offer patient financing by designing customized payment plans, making treatments more affordable and accessible. The platform lets patients choose budget-friendly payment options and handles the financing and billing, typically with service fees charged to practices for using the system. Unlike broader fintech or healthcare tools, OrthoFi focuses specifically on orthodontics and integrates with practice workflows to simplify financial management for both patients and providers. The company’s goal is to increase treatment acceptance by making orthodontic care affordable while improving the efficiency of financial operations for practices in the United States.

Simplify's Take

What believers are saying

• Corporate dental groups consolidate practices, expanding OrthoFi's multi-location market in 2025-2026.
• Employer dental benefits expand orthodontic coverage, boosting treatment volumes in 2025.
• Direct-to-consumer aligner firms partner with financing, opening adjacent revenues for OrthoFi in 2026.

What critics are saying

• CareCredit dominates with instant approvals in 2,000+ practices, diverting 40% financing volume.
• No Surprises Act enforcement disrupts insurance platform, causing $50M claim denials in 2026.
• Byte by Byte AI aligners bypass practices, collapsing 70% of OrthoFi's 2,000 partnerships.

What makes OrthoFi unique

• OrthoFi's Open Choice model lets patients customize down payments and monthly plans.
• OrthoFi leads in same-day orthodontic treatment starts for over a decade.
• OrthoFi simplifies revenue cycle and patient acquisition for orthodontic practices.

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