Sunbit- what is their business model?

Overview

I work in dental for a very large company. They recently partnered with “Sunbit” as an option for patients to finance dental treatment. The pitch is that they offer interest free loans. They say it is “not a credit card”. They say that their AI looks at credit and a bunch of other factors to determine how much money can be loaned. I asked what the specific factors are and they dodged the question. If someone qualifies they can pick a zero percent interest period, say a year, or longer periods wi

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