Patients finance surgery through Prosper. Your ads only see the consult form.
A patient clicks your ad, books a LASIK or tummy tuck consult, then checks their rate on Prosper's site. Prosper's help center says loan money goes to the borrower's own bank account, usually within one to three business days, so the deposit at your front desk looks like any other payment and your ads never learn which campaign produced the case. We tie the paid procedure in your records back to the original click, so bidding learns from patients who actually go ahead.
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Prosper Healthcare Lending · what breaks
What goes wrong when patients pay with a Prosper loan
- 01
"We send patients to Prosper and never hear back"
The old prosperhealthcare.com address now forwards to Prosper's healthcare-financing page, so the whole application happens on prosper.com. Your tags stop at the outbound click, and GA4 records a visitor who left instead of a patient funded for a breast augmentation or IVF cycle. The campaigns sending your biggest cases end up looking like they lose money.
- 02
"The money just shows up as a normal payment"
Prosper funds the patient, and the patient pays you. Unless someone asks, nothing in your billing says a loan was involved, so you can't tell which campaigns bring the bariatric or dental implant patients who need financing to say yes, or cut the ones that only bring cash-pay browsers.
- 03
"Google keeps optimizing for consult requests"
A hair restoration patient who financed the full procedure and a tire-kicker who never returned your call count as the same conversion. Smart Bidding keeps buying cheap inquiries because the paid case never comes back.
- 04
"We were counting rate checks as wins"
Checking a rate with Prosper doesn't touch the patient's credit, and its pre-approval isn't final. The hard inquiry only comes after the patient accepts the Truth in Lending Disclosure, and Prosper verifies the application before funding, which it says usually takes up to five business days. Counting a rate check pays campaigns for curiosity before anyone is on the surgery schedule.
Prosper Healthcare Lending · the fix
What changes — Prosper Healthcare Lending
Financed cases credited to the ad that started them
The paid procedure in your practice software is matched to the click ID saved at first contact and uploaded to Google Ads and Meta, whether the money came from a Prosper loan, a card or savings.
Bidding trained on procedures, not rate checks
Outbound Prosper clicks and patient-reported approvals stay as observation signals. Only the surgical deposit or paid-in-full procedure counts as the primary conversion.
A financing mix you can finally see
A "paying with Prosper" flag on the patient record shows which campaigns bring financed patients and how their case values compare, without any procedure name or loan detail reaching an ad platform.
Prosper Healthcare Lending · architecture
What Prosper actually gives you to hook into
Prosper's public documentation is written for borrowers, not practices. This is what we could confirm, and what gets checked on your account.
- 1
The patient applies on prosper.com
Prosperhealthcare.com forwards to Prosper's healthcare-financing loan page, and the help center points medical borrowers to the standard personal-loan application. Your tags don't run there.
- 2
Funds go to the patient, not the practice
Prosper's help center says loans are originated by WebBank and that the bank transfers funds to the borrower's own account, usually arriving in one to three business days. The patient then pays you.
- 3
No documented practice-side integrations
We found no Prosper documentation for Google Ads, GA4, the Meta Pixel, webhooks or Zapier for providers, so none of it is assumed.
- 4
Check for a legacy provider link or portal
If you enrolled in Prosper Healthcare Lending years ago, confirm whether your provider link, portal login or referral reporting still works, and where it lands now.
Prosper Healthcare Lending · diagnose
Where Prosper-financed tracking breaks, in the order we check
Start on your own site, because the last moment you can see a financing patient is the click that sends them to Prosper.
- 01
Click every Prosper link on the site
Note where each lands after the prosperhealthcare.com redirect and whether your outbound click event fires before the patient leaves.
- 02
Send a test consult request from an ad-tagged URL
Then open the patient record and look for the click ID. It has to be saved there before anyone mentions Prosper, because nothing on prosper.com will hand it back.
- 03
Check how the front desk records financing
If "paid with a Prosper loan" isn't captured anywhere, your financing mix is invisible.
- 04
Compare paid procedures with reported conversions
Case by case over a closed window, with Prosper-financed patients pulled out separately so you can see whether the largest tickets are the ones going missing.
- 05
Look for rate checks or outbound clicks set as primary conversions
If they are, bidding is chasing curiosity instead of booked surgery.
Prosper Healthcare Lending · prove
The QA evidence — Prosper Healthcare Lending
Run on a real patient journey through your live site, from an ad-tagged visit to a posted payment.
Source of truth
Your practice billing records, since Prosper funds the patient rather than the practice: deposits and paid procedures by date and amount, flagged when the patient financed through Prosper
- One test lead from an ad-tagged URL, with the click ID confirmed on the patient record.
- Every Prosper link firing one outbound click event before the patient leaves.
- A paid procedure uploaded once to Google Ads and once to Meta, deduplicated on a shared event ID.
- Values matching the amount collected, with no procedure names or loan details in the payload.
- A canceled surgery and a refund retracted at each platform.
- Paid cases reconciled patient by patient across a closed window.
- Repeated 30 days later and after any change to your financing page.
Prosper Healthcare Lending · free audit
What we check in the free audit
- Click every Prosper link on the site
- Send a test consult request from an ad-tagged URL
- Check how the front desk records financing
- Compare paid procedures with reported conversions
- Look for rate checks or outbound clicks set as primary conversions
Checked against
Your practice billing records, since Prosper funds the patient rather than the practice: deposits and paid procedures by date and amount, flagged when the patient financed through Prosper
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Prosper Healthcare Lending · when not to buy
When you don't need this for Prosper
Plenty of practices that mention Prosper on their financing page don't need tracking work built around it.
- If only a handful of patients a year finance through Prosper, track the paid procedure and skip the financing flag.
- If you don't run Google or Meta ads, there's nothing for this data to train.
- If most financed patients use a lender that pays your practice directly, set up that flow first. Prosper patients show up as ordinary payments either way.
- If your Google Ads account already imports paid procedures with click IDs from your practice software, adding a Prosper flag is a small job your coordinator can handle.
Prosper Healthcare Lending · what we deliver
The event map for Prosper-financed patients
Ad lead captured
Call, consult form or chat, with gclid, gbraid, wbraid, fbclid and UTMs written to the patient record before financing ever comes up.
Prosper link clicked
Outbound click from your financing or cost page to prosper.com, logged by page. A sign of interest, never a bidding signal.
Consult attended
Taken from your schedule, so no-shows drop out before anyone talks about payment plans.
Prosper funding confirmed
Your coordinator marks the patient as paying with a Prosper loan once they say they were funded. Secondary, and never counted as revenue.
Deposit or procedure paid
The primary conversion, valued at what you actually collected, matched to the original click and sent once per case.
Excluded or reversed
Rate checks that went nowhere, declined applications, canceled surgeries and refunds, which are retracted at each platform.
Written guarantee
95%+ tracking accuracy
Measured against Your practice billing records, since Prosper funds the patient rather than the practice: deposits and paid procedures by date and amount, flagged when the patient financed through Prosper. Miss it and we keep working at no cost.
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FAQ
Prosper Healthcare Lending questions, answered
Not directly. The application and approval happen on Prosper's site and Prosper documents no ad-platform connection, so the signal comes from your own records: the patient tells your coordinator, and that flag travels with the paid procedure.
Under Prosper's personal-loan process, funds go to the patient's bank account, usually within one to three business days, and the patient pays you. That's why the payment in your records is the conversion we track, not anything from Prosper.
It now forwards to Prosper's healthcare-financing loan page on prosper.com. If your site or consult packets still use old Prosper Healthcare Lending links, check where they land and confirm your outbound click tracking still fires.
No. Prosper says checking your rate doesn't hurt your credit and that pre-approval isn't final, so a rate check tells you nothing about whether surgery happens. Treat financing clicks as interest and count the deposit or paid procedure.
Prosper's help center lists fixed-rate unsecured loans from $2,000 to $50,000 with terms of two to six years. Financed cases are often your largest tickets, so they belong in bidding.
We send only a click ID, an event ID and a value, plus hashed contact details where your policies allow it. Procedure names, diagnoses and loan details stay out of every payload.
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