Smile Direct Club S1
Truly disruptive... 75% cheaper, and democratizes access to orthodontists outside of major urban areas.
Great example of taking a market, and making it much bigger by lowering cost & barriers to access. Growing 100% year over year, on a pretty big base.
Looks like 65% of purchases are financed with a $250 down payment and monthly payments of $85 at an APR of 17% with 10% delinquency rate (no credit checks).
Interesting risk factor.