About DentaFund

Who runs DentaFund

DentaFund is written by Gian Capannesi, former Group Head of Consumer Lending at FMBCapital Holdings, a banking group spanning five banks across five countries.

His job was the other side of the desk from the person reading this. He designed and built credit approval systems — the decisioning logic sitting behind a lender’s application form that decides, in seconds, whether someone gets the money. Those systems processed hundreds of thousands of loan decisions across five markets.

So when this site explains why an application was declined, it isn’t guesswork or recycled marketing copy. It’s someone describing a machine he built.

Why this site exists

Most dental financing content online is written by one of two groups: the lenders themselves, or affiliates who have never assessed a credit application in their lives. Neither will tell you the uncomfortable parts.

Neither will explain that a deferred-interest promotion charges you every penny of backdated interest if a dollar remains at the end. Neither will tell you that the reason you were declined may have nothing to do with your credit score and everything to do with your debt-to-income ratio — or that applying to four more lenders this week makes it worse, not better.

DentaFund exists to say those things plainly. Sometimes that means telling someone not to borrow. We would rather do that than sell them something that hurts them.

How we make money

Some of the links on this site are paid partnerships. If you use one, we may earn a commission — at no cost to you.

Two things worth being clear about. We are paid the same whether or not you are approved, so we have no reason to talk you into an application you will lose. And a partnership never buys a recommendation: if a product has a trap in it, we describe the trap. Our comparison of CareCredit’s deferred interest is on this site alongside a link to a lending partner, because both of those things are true at once.

How we check what we publish

Every page carries the date it was last updated, and we mean it — we don’t refresh a date without changing the content.

Costs, rates and terms are sourced to lenders’ own published disclosures and to current published fee data, and we say where each figure comes from. Any illustrative payment figures are labelled as illustrations, calculated at stated market rates, and are never presented as an offer we can obtain for you.

What we are not

DentaFund is not a lender, a broker, or a dental practice. We do not take applications, we do not see your credit file, and we cannot approve or decline anything. We publish information and, where it helps, point you to companies that can.

Contact

Cosmic Phoenix LLC
Cheyenne, Wyoming, USA
hello@dentafund.com

See the DentaFund FAQ for common questions about dental financing, denied applications, privacy, and how submitted information is handled.