How It Works
Free Clinic Sign Up
Complete a quick onboarding to get started.
Easy Patient Application
Patients can apply within seconds at home or in person.
Instant Approval
Instant approval and funds available immediately.
Why Choose Luma?
Instant Onboarding
Get set up and start inviting patients within minutes.
No Hard Credit Checks
Patients can apply with no impact to their credit score.
Higher Approvals
Designed for more flexible financing decisions.
Upfront Payments to Clinics
Clinics get paid instantly — no chasing payments or waiting weeks.
Built Around the Patient Journey
From application to approval, we’ve streamlined every step with patients and providers in mind.
Wide Lending Network
Access to multiple lenders — better options for every patient and loan size.
Designed for Growing Practices
DentalAestheticsPlastic SurgeryDermatologyOthers
Ready to Get Started?
Join our early access list or schedule a demo — let's grow your practice together.