Isaac Freckleton

Dentists deserve better approvals without the complexity.

One day after watching yet another treatment coordinator lose a $15k case to “I’m sorry, you’re declined,” I knew the entire system needed to change.

The Moment Everything Broke

Dentists offered life-changing care, patients wanted the treatment but financing companies kept killing the case with declines, complexity, and outdated systems.

“I was tired of watching dentists lose revenue because financing companies made everything harder than it should be. Treatment coordinators shouldn’t need to be financing experts, juggling 5 or more lenders and trying to guess what lenders would be best for both their office and the patients.”

The “Enough Is Enough” Moment

A dental owner said: “The solution isn’t more lenders. I already can’t keep straight the lenders I use today. I need a system that just works and tells me what lenders I need.”

That was the moment Eve Financial’s Smart Lending Waterfall was born — a unified model replacing a chaotic financing landscape.

Building the Fix

Eve created the industry’s first smart lender waterfall built for dentistry.

One application. Instant routing. Higher approvals. Less friction.

‘Approve Most’ lending capabilities expands approvals to underserved credit tiers.

Where We’re Headed Next

Eve is building a complete financial ecosystem: merchant processing, advanced fraud, remarketing, pay‑by‑bank, and next‑gen underwriting — all designed to make financing the easiest part of the patient experience.