Dental Unfiltered Episode 172- End of Payment Plans
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Mar 3, 2026 They talk about ending practice-funded Invisalign payment plans and the reasons behind that shift. Cash flow strains from payroll and big monthly card bills get highlighted. Rising default rates and administrative burdens from in-house plans are examined. Alternative payment options and incentives like prepay perks and third-party financing are discussed.
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Audit Payment Plans Quarterly And Act On Defaults
- Do regularly audit payment-plan accounts and track default rates instead of assuming past performance will continue.
- Andrew Vallo audited Invisalign accounts, found defaults rose from ~5% to ~15%, and used that data to end in-house plans.
Scale Makes Cashflow A Strategic Constraint
- Cash flow importance grows with scale because larger organizations have big, concentrated outflows that require front-loaded revenue.
- Vallo's group faces $500k monthly card bills and staggered $300–$400k payrolls, so spreading revenue over 10 months harms liquidity.
CEO Decision To End In-House Invisalign Plans
- Andrew decided to eliminate in-house Invisalign payment plans immediately after auditing accounts and finding rising bad AR.
- He texted his COO, made a CEO-level decision, and announced the change to the executive team on January 2nd.