“Can a vertical EMR platform become the complete financial operating system for the medical aesthetics industry by embedding payments, lending, insurance, and patient financing natively into clinical workflows?”
Founded in 2017 by a practicing physician frustrated with disconnected tools for running a multi-location medspa, Aesthetic Record started as a clinical EMR and practice management platform for the medical aesthetics industry. The company has progressively embedded financial services into its core SaaS, launching AR Pay (Stripe Connect-powered payments), AR Capital (Stripe Capital lending), and integrated patient financing (Affirm, Klarna, Sunbit, Cherry, PatientFi) — transforming from a documentation tool into a full financial OS for aesthetic practices. The insurance product ARassurance, offered with Trucordia, represents further vertical expansion into practice risk management.
Aesthetic Record processes payments through Stripe Connect and stripe.
Aesthetic Record's lending and capital products are provided by Stripe Capital.
Aesthetic Record's embedded insurance is provided by Trucordia.
Aesthetic Record integrates with QuickBooks Online.
The Embedded Finance Index 2026 maps 4 layers in Aesthetic Record's stack: Payments / PSP (Stripe Connect and stripe); Lending (Stripe Capital, AR Capital (working capital loans for practices), Affirm (patient BNPL), Klarna (patient BNPL) and 3 others); Insurance (Trucordia); Accounting (QuickBooks Online).
Aesthetic Record was founded by Dr. Justin Harper and is founded in 2017, headquartered in United States.
Get a read on where your own stack stands against Aesthetic Record and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.