The Future of Patient Financing - Built on AI

Where CareCredit Ends, DentiPay Begins - Intelligent, Instant, and Integrated .

DentiPay: The Revolution Begins

Changing How Patients Say ‘Yes’ to Treatment — Forever:

The Problem: Providers Shouldn't Be Bankers

The Trap: A System Built for Banks, Not Patients or Providers

Patients Rejected

Over 40% of Patients delay dental treatment due to financial barriers, with traditional financing approving less than half of applicants.

Providers Losing Revenue

Dental practices forfeit an estimated $265,000 annually in treatment opportunities due to financing limitations.

Banks Profit While Care Suffers

Financial institutions extract 12-38% in fees and interest while providing minimal value to the dental care ecosystem.

The Stakes: When Dentistry Loses Everyone Pays

When financing fails, lives change for the worse

1

No Underwriting Experience

Dentists aren’t trained to assess credit risk.

2

Blind financing = Lost Revenue:

Patients and providers gamble on treatment plans and land in predatory lending traps - losing 30-45% of revenue.

3

Strained Relationships

Payment discussions create uncomfortable patient interactions.

4

Internal Financing Risk

Practices bear full default liability without protection mechanisms, limited cash on hand for more than 12-months.

The Price Paid for Guesswork

Patients apply through the wrong platforms → unnecessary denials.

Providers lose 10–15% of revenue to CareCredit, Cherry, Alphaeon fees.

No way to know what patients actually qualify for — until it’s too late.

Nobody has the full financial picture when decisions matter most.

You’re losing them because you never had the full picture.

Guesswork Declines. SCOPE Approves

The Solution: Intelligence Revolution

One Brand.

One Portal.

One Intelligence.

One System.

DentiPay + Path +Scope

Three integrated solutions working as one transformative system

DentiPay (The Brand Layer)

The trusted face for dentistry finance

Market Leverage

A recognizable, unified financial brand increases patient trust and accelerates treatment acceptance.


Network Effect

Every provider on DentiPay strengthens brand equity, creating shared patient familiarity across practices.

Speed to Adoption

Brand credibility reduces patient hesitation and shortens decision cycles, converting more cases faster.

“DentiPay isn’t just another payment option—it’s the financial face of modern dental care.”

PATH (The Portal)

The Patient Acceptance Treatment Hub

Frictionless Intake

A 2-minute application that removes awkward financial conversations and empowers patients to say “yes” to treatment.

Smart, Instant Decisions

Real-time pre-approvals with clear terms—no uncertainty, no waiting, no embarrassment.

Higher Case Acceptance

Boost approval rates to 80% (vs. 45% industry average), unlocking larger treatment plans and increased revenue.

PATH eliminates the friction points that historically derail treatment acceptance, creating a direct route from diagnosis to treatment.

SCOPE (The Intelligence Engine)

The Signal Capable Outcome Predictive Engine

1

Clinical Triage Layer

  • AI-powered case support analyzes clinical inputs in real time
  • Optimizes treatment paths for emergency and complex cases within seconds
  • Provides specialist-level guidance for every chair, every location
2

Financial Engine Layer

  • Turns “Can’t Pay” Into “Can Start Today” Converts patients who would otherwise walk out.
  • Funds the Full Case – Delivers complete treatment financing upfront.
  • Drives Bigger Treatment Plans – Unlocks care previously considered out of reach.

Traditional Lending Asks One Question. SCOPE Answers With Thirty.

Traditional Approval Process

How would you like to pay for your treatment?

  • Soft Credit Pull
  • Stated Income

DentiPay’s SCOPE Engine

You're Approved!

  • 30+ Data Points. No Guesswork.
  • Approval Intelligence & Pre-Underwritten Clarity

SCOPE's Financial Engine: The 30-Data Points That Drive Every Decision

SCOPE's robust AI engine analyzes a comprehensive array of financial data points, ensuring precise, holistic patient funding assessments.

SCOPE™ Inside PATH

Unified Intake Form

Symptoms, financial data, consent

Symptom Pre‑Framing

Align treatment & capacity

Instant Underwriting

Income, assets, credit

Consent & Intent

Signed before presentation

Case Packaging

Pre‑aligned funding plan

Provider Options

Fast Pay / Full Pay

“This isn’t a financing app—it’s a clinical command system.”

Why SCOPE™ Changes Everything

Strategic Clinical & Outcome Prediction Engine

1

Because dentistry without intelligence is guesswork.

2

Because approvals without packaging are worthless.

3

Because dentists should not be bankers.

Healing a Broken Financial System

DentiPay forms. PATH moves. SCOPE thinks.

"Together, they transform dentistry forever."

DentiPay™ Wins Where Legacy Fails

What It Means for Providers

Care without financial fear. Revenue without risk.

80%

Approval Rate

Compared to industry average of 45%, dramatically expanding care access

57%+

Case Acceptance

Increase in treatment plan acceptance when using the Trinity system

$14.2B

Market Opportunity

Annually in previously unrealized dental treatment revenue now accessible

Founder's Circle: From Vision to Velocity:

Breaking Barriers in Innovation, Access, and Profitability

Dr. Emilio Arguello - Co-Founder

Dr. Emilio Argüello was born and raised in Mexico City. After graduating from dental school at the Universidad Autónoma Metropolitana, he moved to the U.S. in 1998 following time abroad as a competitive fencer. He earned his dental degree and specialty training in Periodontics at Tufts University and is now a Board-Certified Periodontist.

For nearly 20 years, Dr. Argüello has served as core faculty and researcher at Harvard University, co-authoring textbooks and numerous peer-reviewed publications. Over the last 15 years, he has built and transitioned multiple dental companies, advised leading organizations, and served on academic and industry boards.

Most recently, he co-founded Mexico Dental Implants, delivering advanced oral rehabilitation services to international patients across certified clinics in Mexico. He also maintains a private practice at Altura Periodontics in Denver, while his wife, Dr. Caitlin White, practices at Foundations Orthodontics.

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▶️ Echo AI on Dr. Emilio Argüello (Click to Listen)

Dr. Carmy Michael - Co-Founder

Dr. Carmy Michael began his dental career in 1993 at Cairo University, completing a one-year residency before relocating to Canada. He later earned his Doctor of Dental Surgery (DDS) from the University of Western Ontario – Schulich School of Medicine & Dentistry, followed by a six-month clinical residency focused on oral rehabilitation and sedation dentistry.

With over 20 years of advanced training in implantology, digital workflow, and full-arch restoration, Dr. Michael is certified in oral and IV conscious sedation. He holds a Fellowship with the Global Dental Implant Academy (GDIA) and is an active member of the Academy of Osseointegration (AO), ICOI, and other leading implantology and surgical societies.

In addition to co-founding the OC Surgical Institute, Dr. Michael leads a high-volume private practice in Southern California focused on full-arch procedures, complex grafting, and advanced oral rehabilitation. He now works closely with DentiPay’s SCOPE AI platform, integrating surgical intelligence, real-time patient approvals, and precision case planning to transform how care is delivered.

An AI Doctor’s Take on DentiPay

From Intelligence to Impact

Intelligence Fixes Dentistry

From Practice to Profit

Ready, Set, Launch

See how DentiPay, PATH, and SCOPE are revolutionizing dental finance and patient care.

Contact us at 1-800-DENTIPAY or visit www.mydentinpay.com to schedule your personalized demonstration and see how our end-to-end financing solution can drive practice growth.

Leadership That Builds Revolutions

Where innovation meets execution — and disruption becomes inevitable.

Leadership

The Operators Behind the Platform

Adam Zuckerman — FOUNDING PARTNER | ARCHITECT OF SCOPE CASCADE

35+ years across capital markets, real estate, structured finance, and venture. Founder of Adaptive Market Intelligence and RapidFire VC. Architect of SCOPE Cascade, the signal-capable behavioral underwriting engine that powers $120M+ in annual deployed paper today. Built the patient-first thesis from lived experience, not theory. Owns the Super PSO playbook, the vertical expansion roadmap across DentiPay, CosmetiPay, TrustLock, and DentiPay Labs, and the capital deployment infrastructure that scales every vertical. Operator with no patience for slow money.

Dr. Emilio Arguello — Dental Strategy & Manufacturer Relationships

20+ years of dental industry C-suite access at the manufacturer, distributor, and KOL level. Former senior leadership across implant and restorative manufacturers. Direct relationships across Envista/Nobel Biocare, Straumann Group, and the global dental innovation network. Leads DentiPay's manufacturer strategy and runs point on every Tier 1 partnership conversation. Face-to-face meetings already confirmed in the current cycle. The patient access ceiling problem is the framework on the table. Emilio is the one who walks it through the door.

Neil Sahota — Chief AI Officer

United Nations AI Advisor and one of the original architects of IBM Watson. Author of Own the AI Revolution (McGraw-Hill). Keynote across 30+ countries, advisor to Fortune 500 boards and sovereign AI programs. Brings institutional gravity, AI validation, and strategic capital reach to DentiPay 3.0. The credibility anchor that opens doors most platforms never see. Strategic Advisory Agreement signed April 17, 2026.

The Full Leadership Team

Jay Oku

CHIEF BUSINESS OFFICER | RAPIDFIRE VC
Strategic operator on DentiPay 3.0 architecture. Originator of the coordinator integration framework and the pre-qualification model that drives concierge-to-financed-case conversion. Runs investor qualification, partnership coordination, and pipeline cultivation across the Tier 1 capital track. The structural mind behind how the platform's two-sided capital flows interconnect.

Colin Matthew

CHIEF FUNDING OFFICER
CFO of the Adaptive Market Intelligence platform. Owns fee structure, capital allocation, and financial infrastructure across DentiPay, CosmetiPay, TrustLock, and DentiPay Labs. Runs the recurring revenue engine that funds platform expansion. Architect of the 7% blended platform margin model and the Year 5 economics that map to $537.5M annual platform revenue.

NUTTALYA Reussi

Co-Founder, Chief Operating Officer
COO of Adaptive Market Intelligence. Owns platform operations, brand architecture, and the coordinator layer that translates SCOPE Cascade routing into patient experience. Runs the DentiPay 3.0 operational stack across all verticals. The operational backbone that turns the patient-first thesis into a working concierge engine, end to end.

Peter Clayton

Principal Systems Architect
Owns the technical architecture for SCOPE Cascade deployment. Bridges the signal-capable behavioral underwriting engine to the DentiPay Patient First portal and the Provider Telehealth Layer. Designs the integration logic that makes the multi-bank waterfall, real-time qualification, and concierge-handoff layer all run as a single seamless system. The engineering spine of the platform.

Invest Today. ROI Without Limits

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Contact us at 1-800-DENTIPAY or visit www.mydentinpay.com to schedule your personalized demonstration and see how our end-to-end financing solution can drive practice growth.

Let’s Connect

Adam Zuckerman

Founder & CEO, DentiPay



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www.mydentipay.com