Banking, built for the
way dentistry runs.
Checking, cards, patient payments, insurance reimbursement, working capital — and an AI that knows what a crown costs and which payer pays slow. All in one place.
Operating · Sterling Family Dental
$84,276.43
Insurance · Delta Dental
ApprovedCrown · D2740 · Hernandez, M.
$1,280.00
Submitted
Apr 22
Approved
Apr 30
Days
8
clin · rewards
•••• 789084,240 pts
CFO insight
Move $40K to Reserve. +$1,660/yr
Connects with the systems your practice already runs on
What changes when banking is built for dental
to get paid by insurance
down from the dental industry average of 27.
claims approved on the first try
the AI catches missing fields before you submit. Industry average is 89%.
rewards on dental spend
on supplies, lab work, and equipment. No caps, no tiers.
The system
The bank doesn't know what a crown costs.
Your money lives inside fee schedules, EOBs, and what each insurance actually pays. Clin reads all of it — so the bank account, the card, the credit line, and the books finally keep up with the practice.
The status quo
With Clin
Insurance claims sit 27+ days, with 11% kicked back for rework.
AI catches the mistakes before you send the claim. 14-day payouts, 97% pass rate.
A flat 1.5% on the business card — same as a pizza shop.
4× points on supplies, lab work, CE, and equipment. No caps.
Personal guarantee and an SBA-style packet for working capital.
Credit sized on what your practice actually collects. Not your house, not your credit score.
EOBs reconciled in a spreadsheet, claim by claim, by an office manager.
Every payer deposit auto-matched to the claims and patients it paid.
Working capital pulled from a personal HELOC or a 12% MCA.
A line of credit sized to next month's production. Drawn in seconds.
QuickBooks and Dentrix live in different universes.
Two-way sync with your PMS and books. Real-time, no exports.
Banking
The money in your checking should earn something.
Open Checking and Reserve in one application — no personal guarantee, no monthly fee. Park the float you don't need this week and keep earning while payroll, lab, and supply runs clear from the same place.
- Same-day deposits.
- A 4.15% Reserve that auto-fills from cash you aren't using
- Bill Pay, wires, and team cards from one place
Checking · Sterling Family Dental
$84,276.43
Reserve
4.15% APY$125,001
Earned this month +$432.18
Transfer · just now
Checking→Reserve
$40,000.00
Settles instantly · Free
Money in · last 30 days
+$32,600Live · ClinPay
Streaming- VISA
Patel, R.
8:42 AM · Card
+$1,250
- VISA
Hernandez, M.
8:31 AM · Card
+$845
- ACH
Wong, K.
8:14 AM · ACH
+$320
- VISA
Okafor, A.
Yesterday · Card
+$240
Gross vs net · 6 mo
Effective fee · MTD
2.50%
vs 2.94% on the prior processor — $260/mo saved
Gross MTD
$45,729
Net MTD
$44,586
Settled in
1 day
ClinPay
Patient payments that don't punish you.
Take card and ACH at the chair, the front desk, or by text — at flat dental-only rates that beat your processor by an average of 44 bps. Money lands in Clin Checking the next morning, already reconciled to the patient.
- 2.5% effective rate, no monthly minimums or PCI fees
- Next-day deposits, every day.
- Auto-matches to the patient ledger in your PMS
Insurance
The fastest 14 days in dental insurance.
Clin scrubs every claim with a model trained on 4M dental submissions, files it for you, and chases the carrier until it pays. The average Clin practice settles in 14 days — the dental industry average is 27.
- 97% first-pass approval — AI flags missing fields before submit
- One-click resubmit on denials, with the correction pre-filled
- Posted to the right patient. Automatically.
Delta Dental · C-2401
ApprovedCrown · D2740 · Hernandez, M.
$1,280.00
Submitted
Apr 22
Approved
Apr 30
Paid
May 5
Days
13
A/R aging · all carriers
64 open- 0–30$18,240
- 31–60$11,400
- 61–90$5,120
- 91–120$2,880
- 120+$1,208
AI flag · MetLife
C-2403Composite · D2391 · Okafor, A. — missing tooth surface code.
Fix pre-filled. 94% likely to clear on resubmit.
clin · rewards
Business · VisaDR. SARAH CHEN
4181 •••• •••• 7890
05 / 29
Points balance
84,240pts
Worth $842.40 in statement credit
Earn by category · MTD
No caps- 4×Dental supplies+7,390 pts
- 4×Lab work+8,602 pts
- 2×Marketing & education+824 pts
- 1.5×All other purchases+5,718 pts
Available credit
$16,713
Virtual cards
Unlimited
Personal guarantee
None
Cards
4× back on every box of supplies you buy.
A corporate card built around a dental P&L, not a generic SMB one. 4× points on supplies and lab work, 2× on marketing and CE, 1.5× on everything else — with virtual cards for every hygienist, every vendor, every recurring charge.
- No annual fee. No personal guarantee.
- Receipts auto-categorized the way your PMS already does it
- Redeem points as statement credit — no blackout, no expiry
Virtual CFO
An AI CFO that reads your practice.
Clin sees every claim, every payment, every supply order — and tells you the three moves that matter this week. Ask it “can I afford a new chair?” and it models the cash impact in seconds, not weeks of CPA back-and-forth.
- One score, every Monday.
- Plain-English insights with the dollar impact attached
- Growth simulator: hire, expand, refinance — model it instantly
Clin CFO · Monday brief
Opportunity
94% confidentMove $40,000 from Checking to Reserve. +$1,660/yr at 4.15% APY.
You're holding $40,000 above your 60-day operating buffer in Checking.
Save
88% confidentSwitch lab payments to ACH. −$1,440/yr in card fees, same rewards.
Your lab accepts ACH but you're paying with card.
Financial health pulse
78
/ 100
Growth sim
“Can I afford to add a hygienist in Q3?”
Yes — 4 mo
Payback at 78% chair fill
Why Clin
Generic finance was never going to work for dentistry.
A 2-chair practice in Columbus runs a real business — six figures a month in collections, payroll every other Friday, a supply order on Tuesdays, and a pile of claims still waiting on insurance to pay. Banks treat that practice like a consumer with a slightly higher balance.
Insurance is its own animal. Claims, write-offs, fee schedules, ERAs that arrive in PDFs — none of it shows up in your bank app, none of it reconciles cleanly to QuickBooks, and none of it tells you which payer is quietly paying you 18% less than they did last year.
Supplies, lab, payroll, rent — predictable to the dollar. Yet most practices manage them across five tabs and a spreadsheet. AI is finally good enough to do the boring parts: reading a P&L, flagging the Patterson invoice that drifted 9% this quarter, telling you your hygiene chair is at 78% utilization when it should be at 85%. Clin was built for dentistry from day one — not a generic small-business app with a dental skin on it.
Connectivity
Plays nicely with the software you already run.
We sync to your PMS, your books, your payroll, and your patient communications — so Clin is the one place the numbers actually add up.
Practice management
6 systems
Accounting
4 systems
Payments
2 systems
Patient financing
2 systems
Payroll
3 systems
Insurance
2 systems
Patient comms
3 systems
Marketing
2 systems
FAQ
The short list of honest answers.
Have another question? hello@joinclin.com. A real person on our team will write back.
Private beta · 2026
Everything but the
dentistry. One place.
Banking, cards, insurance reconciliation, and an AI that knows the difference between a crown and a CBCT. Built for dentistry.
We're letting practices in by region. Tell us where you are.