Delinquency risk

The delinquency risk doesn't have to be your clinic's

When your clinic finances installments directly with the patient, the risk of default is yours. Getting paid upfront through Sou CredOdonto shifts that risk to the credit operation, not your clinic.

The real problem

Whoever finances installments directly carries the default risk

When your clinic finances treatment directly with the patient, on its own bank slip or payment book, any delay or non-payment becomes your problem: you're the one who has to collect, renegotiate or simply not get paid.

The mechanism

Getting paid upfront means transferring the risk

By using Sou CredOdonto, your clinic receives the treatment amount upfront as soon as the operation is formalized. From then on, the risk of the patient defaulting on installments belongs to the credit operation, not your clinic.

Day to day

What changes in your clinic's finances

In practice, your clinic no longer needs to:

Chase late installments
You don't need to call, message or negotiate a late installment with the patient.
Manage your own payment book or bank slip
You no longer need to issue and manage your own installment collection.
Wait for the installments to finish
The treatment amount already hit your cash flow, regardless of when the patient finishes paying.

Frequently asked questions

Answers about delinquency risk

Does my clinic stop carrying delinquency risk by using CredOdonto?

The risk of the patient defaulting on installments belongs to the credit operation from the moment your clinic is paid upfront, according to the terms of the formalized operation.

What happens if the patient doesn't pay an installment?

Collecting overdue installments is handled by the partner financial institution directly with the patient. Your clinic has already received the amount upfront and doesn't take part in that collection.

Does my clinic need to collect from a delinquent patient?

No. Collecting overdue installments is done by the partner financial institution, not by your clinic.

Is this different from financing installments on the clinic's own card machine?

Yes. With direct installments or the clinic's own card machine, the risk of delay is yours. Through Sou CredOdonto, your clinic gets paid upfront and the patient's installments are collected separately, via bank slip or PIX.

Is there any contractual guarantee about this payout?

The contractual terms applicable to each operation are presented during the partnership and formalization process, according to current terms.

Does my clinic carry any risk in any scenario?

The terms of each operation, including any exception scenarios, are presented during the partnership and contract formalization process, always subject to individual analysis.