LM PAY S.A. specializes in financing private medical and aesthetic services through its MediRaty and MediPay systems. The company offers instalment payments, enabling clients to access services without immediate financial strain. With over 15,000 partner clinics, LM PAY targets individuals seeking flexible payment options for health services. Their unique selling proposition is providing "care now pay later" (CNPL) solutions, allowing patients to receive treatment immediately while paying in instalments. This approach removes financial barriers to healthcare access, making it accessible when needed most.