Proceed Finance vs Sunbit: Dental Patient Loans 2027

Proceed Finance vs Sunbit: the short answer

Proceed Finance vs Sunbit is mostly a question of case size, and the published numbers split the choice along that line. Both companies are patient financing providers, meaning a dental office offers a loan or installment plan so a patient can pay for treatment over time while the practice is paid.

Proceed loan ceiling: $75,000 for dental cases according to Proceed Finance (2026). That is the widest published range of the two, and it is the only one that covers cases above $20,000.

Sunbit loan range: $50 to $20,000 according to Sunbit. Sunbit's loans are made by Transportation Alliance Bank Inc. dba TAB Bank, which decides qualification and terms, so the bank is the lender of record on a Sunbit plan.

One naming point comes first. Some third-party pages describe Proceed as a successor to LendingClub Patient Solutions. I could not confirm that from Proceed's pages or LendingClub's, so treat it as unverified. Proceed's own terms page does state that Proceed (Med-Den Funding, LLC) is a wholly owned subsidiary of Optum Bank and that its loans come from a variety of lenders. I found no rename, merger or discontinuation for Sunbit in the pages I opened.

TL;DR: Pick Proceed when cases routinely exceed $20,000 or when a longer fixed term matters more than the fee. Pick Sunbit when most cases sit under $7,500, when the lower listed fee matters most, and when you want public developer documentation for reconciliation. Get the signed fee and term sheet from either company before you commit, because neither publishes a complete fee schedule in plain text.

Key Takeaways

• Case size decides first. Proceed is the only one of the two whose published loan range goes above $20,000, so large implant and full-arch plans belong in its column.

• Sunbit's listed fee is lower than Proceed's listed provider fee, but Sunbit calls its figure "as low as," and the rate varies with credit tier and volume.

• Proceed's provider fee is published only for its smaller loan band. The fee chart for larger loans is an image, so those fees are not in text.

• Neither company publishes a late-fee amount. Sunbit says it charges no late, NSF or deferred-interest fees on its loans, and Proceed's terms should be checked on this point in writing.

• Sunbit publishes developer documentation and webhook events for voids and refunds. I did not find public API documentation for Proceed, which changes how much staff time reconciliation takes.

• The reputation signal is thin. Sunbit has a large Trustpilot listing, and I found no verified Trustpilot profile for Proceed.

What patient financing does in a dental office

Patient financing is a loan or installment plan that a dental office offers so a patient can pay for treatment over time, with the practice paid at or soon after the sale. The practice typically pays the provider a fee on each financed case, and the patient repays the lender. The fee is the number most owners compare first, but case size and funding timing decide whether a given fee is worth paying.

Demand is the reason this matters. Adults skipping needed care over cost: 28% according to KFF (2026). That figure covers health care in general rather than dentistry alone, but it shows how often cost decides whether treatment happens. Debt is the other side of the same pressure. Adults with medical or dental debt: 41% in 2022 according to KFF (2022), which is the earlier survey year that KFF's page reports.

How we evaluated these two lenders

This is an informed buyer's guide built from public pages, not a hands-on trial. We opened each company's own pricing and terms pages, then checked the reputation signal against an independent review platform. The weights below reflect what a dental owner or operations lead decides on. They are our judgment, not vendor data.

Trustpilot TrustScore: 4.7 from 4,046 reviews according to Trustpilot (2026). The listing shows 86% five-star reviews and an AI summary that describes occasional complaints about funds withdrawn earlier than expected. That listing is for Sunbit only, so the reputation criterion cannot compare the two companies directly.

The weights total 100%. Because the reputation signal carries only 5%, it cannot override a published term.

Published terms, side by side

The table follows the order a practice owner reads the decision in. Each row's source pages are linked in the last column.

Sunbit's documentation is the most reconciliation-ready item in the table. Its estimate endpoint takes a sunbit-key header and a location parameter, and it returns monthlyAmount, downPayment and apr. The docs state that an apr of -1 means the amount is not eligible for financing, which is a useful review trigger for a workflow. Its refund and void events arrive as TRANSACTION_REFUNDED and TRANSACTION_VOIDED. Proceed's pages show no equivalent, so reconciliation with Proceed would run on signed documents and statements.

What each lender costs your practice

Proceed provider fee: 3.9% for $1,500–$7,500 loans according to Proceed Finance (2026). The same page says that for loans of $7,501 to $75,000 there are no changes to provider fees, but its fee chart is an image, so I could not read the figures for those loans.

Sunbit fee floor: as low as 1.9% according to Sunbit. That page describes one fee per financed transaction, says pricing improves with usage, and says the rate depends on the patient's credit tier. The same page lists no-interest plans up to 24 months in one section and up to 72 months in its FAQ, so get the term length in writing before you quote a patient.

Pricing checked November 10, 2026. Every figure in the table is a number published on the vendor pages linked in the previous section. Where a cell says Quote-based, neither company publishes that number, so the only way to know it is to ask for a written quote.

A month of ten financed cases

Take a practice that finances 10 cases a month at $3,000 each, or $30,000 of treatment. At Sunbit's 1.9% floor, the fee is $57 per case, or $570 a month. At the 3.9% that Proceed lists for loans of $1,500 to $7,500, the fee is $117 per case, or $1,170 a month. That is $600 more every month and $7,200 more over a year. These are illustrative numbers for the math, not quotes, because Sunbit's figure is an "as low as" floor and Proceed's fee is listed for one loan band only.

Now add a refund. One patient cancels $300 of a $3,000 plan, and the practice refunds that amount. Sunbit's event for a refund is TRANSACTION_REFUNDED, and its netPurchaseAmount field carries the adjusted amount, so the ledger entry should drop from $3,000 to $2,700. A reconciliation rule that compares the webhook amount to the ledger catches that mismatch before the monthly close. With Proceed, the same check would run against the uploaded signed loan documents instead of an event feed.

Proceed Finance: best fit and limits

Proceed fits practices whose financed cases regularly run above $7,500. Its published terms of 24 to 144 months and a $75,000 ceiling do work that Sunbit's published numbers cannot. The provider page says Proceed pays the practice in 1 to 2 business days and that loans are fully funded up front, with no repayment risk to providers (providers page). It also says its offers meet or exceed the requested amount most of the time, which is a company claim I could not verify.

The fee schedule is the main gap. The 3.9% figure is listed for the $1,500 to $7,500 band, and the chart for larger loans is an image I could not read in text. Minimums also rule out small cases. The offers page says the minimum dropped from $2,500 to $1,500 in February 2026, and the providers page sets higher minimums of $3,000 in Colorado and Georgia and $6,000 in Massachusetts. Proceed's FAQ says its loans may be reported to credit agencies "depending on the originating bank," so ask which bank originates the loan you are offered.

Implementation starts with a consultation. The providers page asks practices to schedule one with the Proceed team. Funds settle after Proceed reviews and approves the signed loan documents you upload, so the practice needs a staff member who handles that upload. I found no public API documentation or integration list for Proceed on the pages I opened.

Sunbit: best fit and limits

Sunbit fits practices with smaller and mid-size cases that want developer-ready tooling. Its published range starts at $50 and tops out at $20,000 (rates page). Its integration partners page lists platforms tagged dental, such as Zuub and Weave, but it does not name a dental practice management system, so confirm integration with your own system before you assume one exists (integration partners).

The $20,000 ceiling rules out the largest plans. The fee is a floor that rises with credit tier, and its dental page gives two different no-interest term lengths. Sunbit's dental page also says the product is not available in VT, WV or US territories. Trustpilot's summary of recent reviews describes occasional complaints about funds withdrawn earlier than expected and accounts restricted unexpectedly (Trustpilot listing).

On implementation, Sunbit has the more documented surface. The API overview lists pre-qualification, estimate, text-to-pay and an embedded portal, along with transaction lookup, voids and refunds. A workflow would call the estimate endpoint with the sunbit-key header and a location value, then treat an apr of -1 as a not-eligible result for staff review.

Who this is for

• Proceed Finance fits practices with large, planned treatment that need terms up to 144 months. Red flags: most cases fall under $1,500, the full fee chart is not in writing, or you need automated reconciliation on day one.

• Sunbit fits practices with mid-size or smaller cases that want documented events for refunds and voids. Red flags: your typical case is above $20,000, you treat patients in VT or WV, or you cannot get the no-interest term length in writing.

Common mistakes when comparing these two

1. Treating Sunbit's "as low as 1.9%" as a fixed fee. It is a floor that moves with credit tier and volume.

2. Setting Proceed's 3.9% against Sunbit's floor without noting that Proceed lists that figure for one loan band, not for every case.

3. Assuming a page's patient APR range is the rate your patient will get. Sunbit's range runs from 0% to 35.99%, and the rate depends on the buyer's credit.

4. Forgetting refunds. A partial refund changes the net amount, so the ledger needs the adjusted figure.

5. Skipping the lender check. Proceed's loans come from a variety of lenders, and Sunbit's come from TAB Bank, so the bank is part of the decision.

Where a spreadsheet or no-code build fits

Before you build anything, decide whether you need a workflow at all. Zapier, Make and n8n can call the same Sunbit endpoints, route a webhook into a ledger, and keep run histories, retries, error branches and audit evidence when they are configured that way. The difference is ownership. Your team would have to design and maintain idempotency, so a retried call does not create a second estimate. It would also need escalation paths for failed calls, access controls on the Sunbit credential, and the audit trail an accountant would ask for.

For Proceed, a US Tech Automations workflow would be shorter, and it would be a proposed configuration, not a live deployment. The trigger would be a signed loan document uploaded to the patient's file. The action would be a staff check that the signed amount matches the approved treatment amount, followed by a reconciliation note. The output would be a ledger entry tied to the funding date Proceed describes. The human review point is a staff member who signs off on every upload, because I found no public API that lets a workflow read Proceed's loan status.

For Sunbit, a proposed US Tech Automations design would start with an accepted treatment plan above an amount your office sets. It would request an estimate through the documented sunbit-key header and location parameter, and draft the monthly figures for the front desk. The output would be a draft estimate and a text-to-pay link, held for staff review before anything reaches the patient. The prerequisites are a Sunbit developer credential, a location identifier, a webhook receiver your IT team can host, and PMS write access for the chart note. A US Tech Automations design would configure these steps in one place, but the prerequisites and the staff approvals still sit with the practice.

US Tech Automations is the wrong choice in three cases. If you finance a handful of cases a month, a printed checklist with a monthly tie-out is cheaper to run than any workflow. If the vendor's own portal already produces the report your accountant needs, a second system adds nothing. If your practice management software already has a native Sunbit integration that writes the audit trail you require, use that first, because a custom build adds a maintenance obligation you may not need.

Frequently asked questions

Which is cheaper, Proceed Finance or Sunbit?

Neither is cheaper for every case. On published figures, Sunbit's 1.9% floor is lower than Proceed's listed 3.9%, but Sunbit's figure is "as low as," so get both fee schedules in writing before you compare.

Can Sunbit finance a $25,000 treatment plan?

Not on the terms its rates page publishes, because the top of its stated loan range is $20,000. For a plan of that size, Proceed's published range is the one that applies.

Who is the lender on a Sunbit plan?

Transportation Alliance Bank Inc. dba TAB Bank makes Sunbit loans and decides qualification and terms, as its rates page states.

Does Proceed Finance charge the practice a fee?

Yes. Proceed lists a 3.9% provider fee for loans from $1,500 to $7,500, and the fee chart for larger loans is an image that I could not read in text.

Do either of these lenders charge patients late fees?

Sunbit says it does not charge late, NSF or deferred-interest fees on its loans. I did not find a late-fee amount published by Proceed on the pages I opened, so ask Proceed for its late-fee terms in writing.

Is Proceed Finance the same company as LendingClub Patient Solutions?

I could not confirm that. Proceed's terms page names Optum Bank as its parent, and the LendingClub link appears only on third-party pages I could not verify.

Can a no-code tool replace a custom build?

For simple routing, yes. For audit-ready reconciliation, the buyer still has to design and own retries, idempotency, access controls and logs, whichever tool is used.

Making the call

Start with the case you finance most often, then decide based on the signed fee. If that case is above $20,000, Proceed is the only one of the two with a published range that high. If most of your cases fall between $50 and $7,500 and the listed fee matters most, Sunbit's floor is the lower starting point, but confirm the rate for your credit mix in writing. Whichever you pick, reconciliation is where errors show up, so plan that step before you sign. See how US Tech Automations configures this for a practice's own ledger and approval steps.