I don't hate running a dental practice.
I hate the chaos around paying for it.
I never went into dentistry thinking, "Wow, I cannot wait to manage expenses." I went into it because I like building something meaningful—taking care of patients, building a team, creating a place that runs well and feels good to be in.
And yet, somehow, one of the most persistent sources of friction in my day has nothing to do with dentistry at all. It is money quietly leaking out of the practice in a hundred different directions. Not because it is wrong, but because it is constant.
Every single day, money leaves the practice.
Some days it is obvious: supplies, sundries, nitrous, oxygen. Other days it is background noise—sterilization services, mat services, office supplies, maintenance, repairs. And then there are the random days when something breaks, something runs out, or something urgent shows up that cannot wait.
None of this is optional. None of this is dramatic. It is just reality.
The part no one warns you about.
What no one really prepares you for is the mental load. Not paying the bill—that part is easy. It is everything that comes after. Did someone already pay this? Did it go on the right card? Was there a receipt? Did it get emailed? Did I download it? Did I forget to save it?
I tell myself I will clean it up later. Later always comes.
Later is when it hurts.
Later is the end of the month. Later is when the numbers matter. I sit down, open statements, and start reconstructing the past. I scroll through emails, search keywords, open attachments, check my phone for receipt photos I took weeks ago.
And without fail, I hit the same feeling. Something is missing. It always is.
The real problem is not spending money.
The real problem is remembering it.
The work already happened. The payment already happened. But the organization is delayed—delayed until I am busy, delayed until I am tired, delayed until my brain has already moved on. That is the part that drains me.
At some point, I catch myself thinking:
Why does this still feel so manual? Why does this still depend on memory? Why does this still feel like punishment? We have software for everything else—scheduling, charting, imaging, communication. And yet expenses feel stuck in another era.
What if this part just disappeared?
Not disappeared like magic, but disappeared because it stopped requiring effort. What if expenses organized themselves as they happened? No chasing, no guessing, no end-of-month cleanup. What if the boring stuff just worked quietly in the background?
That question is what led to Apex.
Apex is not another business card. It is not a generic product repackaged for dentists. It is a charge card designed around how dental practices actually operate—messy, busy, high-volume, constant. Apex assumes you are human.
Receipts should not be a scavenger hunt.
With Apex, expenses are captured automatically whenever possible. Supplier emails are parsed. Receipts are pulled in without you touching them. If something does not sync automatically, you take a photo, or forward it by email, or text it. That is it. No folders, no reminders, no mental tabs left open.
The result is not flashy. It is calm.
You open your books and everything is already there. Every charge accounted for, every receipt attached, every category clean. Nothing missed, nothing guessed. It feels… quiet. And that quiet is powerful.
You can easily view your spend summary on your dashboard in real-time, so you always have your finger on the pulse of your practice. Lastly, all the information perfectly exports to QuickBooks and Xero when you need to prepare for your accountant.
But as the practice grows, another problem shows up.
I cannot be the one ordering everything anymore. My team needs to order supplies. My office manager needs to pay vendors. My lab needs a card on file. And suddenly I am stuck.
Either I slow everything down. Or I give access and hope for the best. Neither feels good.
Apex fixes that too. With Apex, I can give my team cards without giving up control. Virtual cards for specific jobs. Cards that only work with certain vendors. Cards with spending limits built in.
I can set simple rules. Anything over a certain amount needs approval. Certain companies are allowed. Others are not.
My team can move fast. I still know exactly what is happening. That is what scaling without stress feels like.
But expense management is only half the story.
Let's talk about rewards. Most business cards reward things that do not help me run a better practice—flights, hotels, generic points. Nice in theory, mostly irrelevant in practice.
Apex Points are simple: earn 1-1.6x points for every $1 you spend on practice and business expenses. Redeem your points for flights, hotels, or anything else as a statement credit against your expenses. No restrictions. No blackout dates.
| Feature | APEX Card | Aeroplan Cards | Cashback Cards |
|---|---|---|---|
| Earning Rate | 1-1.6 points per $1 | 1-1.5 points per $1 | 1% cashback |
| Redemption Flexibility | Any expense | Travel only | Statement credit |
| Blackout Dates | None | Yes, common | N/A |
| Redemption Restrictions | None | Limited availability | Min. redemption amounts |
| Statement Credit | ✓ Yes | Limited/indirect | ✓ Yes |
| Practice-Specific Benefits | ✓ Yes | — | — |
Save on admin costs
Apex eliminates the need for separate receipt management and bookkeeping tools.
Earn Apex Points on every purchase
Earn 1-1.6x points for every $1 you spend. Use your points for flights, hotels, or any expense as statement credit.
Get Apex for $299/yr $0 for the first year by joining the waitlist.
This only works if it stays exclusive.
Apex is not open to everyone. It is only for dental professionals, only for incorporated practices, only after verification. This is not about gatekeeping. It is about leverage. Small, focused groups get better perks. That is how the economics work.
There is also a quieter benefit. Access.
There are relationships, resources, and opportunities dentists rarely see. Not because they are secret, but because no one bundles them together. Apex does.
This is not really about a card.
It is about removing friction. Less cleanup, less stress, less mental clutter. More focus on patients, more focus on team, more focus on growth.
If you could remove one recurring headache from your practice…
Why would you not?
Apex is launching slowly.
We are opening access in limited waves. Verification is required. Spots are capped on purpose. If this resonates, join the waitlist. No pressure, no obligation. Just a chance to be early.
Get Apex for $299/yr $0 for the first year by joining the waitlist.
PS
You are already doing the hardest part. Running a dental practice is demanding enough. Your expenses should not be the thing draining your energy.