Offering instalment payments to Italian patients is a structured project, not a switch to flip. This page explains the four steps that take your clinic from the first conversation to a fully operational payment-plan channel — and exactly who does what at each stage.
The principle never changes: we handle the B2B consultancy, the authorised financial partner handles the credit. Your clinic stays outside the credit perimeter at all times.
Step 1 — Free analysis of your clinic
Everything starts with a free, no-obligation analysis. We look at your case mix, your average treatment values, the flow of Italian patients you already serve and how your front office handles quotes today.
If the numbers do not justify the investment, we tell you. The service makes sense for clinics with an established flow of Italian patients and treatment plans indicatively above €1,500–2,000 — we will not sell you a channel your case mix cannot sustain.
Step 2 — Agreement with the authorised financial partner
We prepare and support the direct agreement between your clinic and the authorised financial partner — a credit mediator registered in the OAM registers. The agreement makes your clinic a contracted supplier: under Article 12(1)(a) of Legislative Decree 141/2010, a supplier may promote financing exclusively for its own services.
We handle the preparation, the documentation and the negotiation support. The credit relationship — assessment, approval, disbursement — belongs to the partner alone.
Steps 3 and 4 — Training and ongoing assistance
A payment option only converts if the front office presents it well. We train your team on how to introduce the payment plan during the quote phase: what can be said, what must never be promised, and which materials to use.
After activation, the monthly fee covers ongoing assistance: updates, materials, procedural support and periodic reviews of how the channel is performing in your clinic.
Documents and indicative timelines
To prepare the agreement, the clinic provides its corporate documentation: Albanian registration, company details and the information the partner requires for its due diligence on the contracted supplier. We organise the file so that nothing is missing.
Timelines depend on document readiness and on the partner's internal processes. We give you an indicative estimate during the free analysis — never a guaranteed date.
Our role, clearly defined
Credit assessment and disbursement of the financing are the exclusive responsibility of the authorised financial partner. The service is reserved for clinics, not for patients.
No outcome is guaranteed. We do not promise approvals, interest rates or disbursement times: those decisions belong exclusively to the partner, application by application.
FAQ
The patient, resident in Italy, applies directly to the authorised financial partner for a personal loan. The contract is concluded exclusively between the patient and the partner. Your clinic and our consultancy stay outside that relationship.
No, and your staff training covers exactly this point. Approval is the exclusive decision of the financial partner and can never be promised — not by the clinic, not by us, not by anyone else.
Your Albanian company registration and corporate details, plus the information required for the partner's due diligence on the clinic as contracted supplier. During the free analysis we give you the complete checklist for your case.
There is no guaranteed timeline: it depends on your documentation and on the partner's processes. What we provide is a realistic, indicative estimate after the free analysis — and organised preparation that avoids wasted time.
The decision and its communication belong to the financial partner. Your clinic simply continues to offer its standard payment methods to that patient. A declined application has no consequence on your agreement or your fees.