Mashreq, a leading financial institution in the MENA region, has partnered with Toothpick, a prominent healthcare platform with a network of more than 1,000 dental and aesthetic clinics, to launch Mashreq NEO Credit Loans, a new embedded financing solution that enables customers using Toothpick network clinics across the UAE to access flexible, high-value financing directly at the point of care.
The new partnership means for the first time in the UAE healthcare sector, patients can finance dental and aesthetic treatments of up to AED 150,000 through a fully digital, integrated, and seamless journey. The solution removes traditional payment barriers for higher-ticket procedures, allowing customers to proceed with treatments with greater confidence and affordability.
The agreement marks an important milestone in Mashreqโs Banking-as-a-Service strategy, reinforcing its leadership in embedded finance and digital lending. By integrating Mashreq NEO Credit Loans into Toothpickโs platform, Mashreq expands its reach into the healthcare ecosystem while delivering a customer-focused experience that aligns with the UAEโs accelerating shift toward digital banking solutions.
Commenting on the partnership,ย Ghazal Al Sakaal, Global Head of Ecosystems and Platform Banking at Mashreqsaid: โOur collaboration with Toothpick reflects Mashreqโs commitment to delivering innovative and accessible financial solutions that meet real customer needs. By embedding high-value financing solutions directly into the healthcare journey, we are enabling patients to make important treatment decisions with greater ease while supporting clinics with a seamless, trusted payment experience.โ
Through the integrated process, clinics initiate the financing request via Toothpickโs platform, after which Mashreq authenticates the customer and shares a secure link to complete the application. Once approved, funds are disbursed directly to the clinic, creating a streamlined and efficient experience for both customers and healthcare providers.
Sary Azakir, Co-founder and Chief Growth Officer at Toothpick,said:ย โOur partnership with Mashreq introduces a new standard for healthcare financing in the UAE. We thank Mashreq for their trust in the Toothpick ecosystem, and we look forward to innovating together by combining Toothpickโs strong clinic network with Mashreqโs digital lending capabilities. Using innovation and technology to expand access to care and help bridge financial challenges will remain our focus and commitment.โ
This partnership addresses the growing demand for financing beyond traditional BNPL limits expanding access to both essential and premium healthcare services by offering higher-value, flexible financing solutions. The partnership will initially focus on dental and aesthetic clinics across the UAE, with plans to explore expansion into additional healthcare verticals in the coming months.
