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Financial Solutions for Dental Practices

Focus your attention on overbites, not overdrafts

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Challenge: You Need to Ensure Timely Payment for Treatments

With 50% or more of patients paying with credit cards, and with a majority of payments due at time of service, it’s important to have an efficient and streamlined process to handle a variety of payments at the point of sale. And, moving those payments into your operating accounts quickly is key to maintaining reliable cash flow.

Ask yourself these questions:

  • What delays do you experience from receipt of credit card from your customers to available funds in your bank account?
  • What is the time elapsed between check payments by patients and availability of funds?

How we can help you:

  • Merchant Services to allow you to accept debit and credit card payments from patients, reducing the processing times for payments.
  • Remote Deposit Capture to let you quickly and easily deposit checks into your account from anywhere, so your funds are deposited into your account faster, and you have more time to see patients.
  • Business Online and Mobile Banking, so you can monitor and track balances and activities between patient appointments or during your time in your office.
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Challenge: Managing Delays in Reimbursements from Insurance Companies.

Filing claims with insurance companies for reimbursement can be fraught with complexity.  Claims denials, claims processing delays and requests for additional information extend the time it takes for you to get paid by insurance plans. These delays can severely impact your cash flow.

Ask yourself these questions:

  • How much of your treatment fees are paid by insurance companies?
  • Do you receive electronic payments from insurance companies?
  • Do you experience cash shortfalls due to delays in insurance payments?

How we can help you:

  • Lines of Credit to manage the gaps in cash flow while you’re waiting on payments.
  • ACH Blocks and Filters, so you can electronically collect funds or make payments, only to and from accounts that are authorized.
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Challenge: Efficiently Paying Vendors for Dental Supplies and Lab Fees

With collection periods averaging over 40 days, your cash flow can be severely impacted. You need ways to improve how you collect and manage receivables, and be able to track paid invoices and quickly assess who is past due.

Ask yourself these questions:

  • How do you pay suppliers as late as possible to take advantage of discounts and conserve cash?
  • How well are you able to track payments for supplies and lab fees?

How we can help you:

  • ACH Blocks and Filters, so you can electronically collect funds or make payments, but only to and from accounts that are authorized.
  • Online Bill Payment lets you set up one-time or recurring electronic payments to suppliers, credit card companies, and more.
  • Commercial Credit Card so you can quickly pay suppliers online or in person and maintain accurate reporting.
Let’s Chat

Schedule an Appointment

See our team’s availability below and choose the date/time that works for you to meet our advisors.

Bank of Tennessee employee, Rhonda Trivette

Schedule an appointment with Rhonda Trivette at our Med Tech office in Johnson City, TN


Schedule an appointment with Pete Roller at our Jonesborough, TN office


Schedule an appointment with Michael Simpson at our Med Tech office in Johnson City, TN


Schedule an appointment with Stephen Dixon at our Med Tech office in Johnson City, TN


Bank of Tennessee employee Lynn James

Schedule an appointment with Lynn James at our E. Center Street office in Kingsport, TN


Bank of Tennessee Employee Wes Argabrite

Schedule an appointment with Wes Argabrite at our E. Center Street office in Kingsport, TN


Bank of Tennessee employee Jenny Dugger

Schedule an appointment with Jenny Dugger at our E. Center Street office in Kingsport, TN


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