Conventional Term Loan

Our Conventional working capital loan is our most common and popular type of small business loan products we offer. They provide short-term, intermediate and long-term working capital for dentists, veterinarians, physicians, medical specialists, optometrists, ophthalmologists, pharmacists and many other healthcare centers and services.

Rates and terms differ between each request and depending on the overall credit risk of each practitioner applying for the loan. Our Conventional working capital loans can carry floating or fixed interest rates, which are determined upon approval and are typically assessed by the overall risk.

Our advantages include: some of the lowest interest rates and longest terms in the industry, flexible underwriting standards, and lending amounts up to $500,000. This working capital program is an ideal solution for many of the following scenarios:

  • Expand your practice
  • Add an associate
  • Increase your inventory
  • Open a new location
  • Advertise, renovate or remodel
  • Consolidate high-interest debt
  • Purchase equipment
  • Pay taxes
  • Or however you choose

Benefits and Program Highlights:

  • Available nationwide in all 50 states
  • Minimum credit scores starting at 650
  • 24-hour preapproval
  • Up to 10 year fixed terms
  • Low fixed and variable interest rates starting at prime
  • No prepayment penalties with selected plans
  • No upfront fees or points with selected plans
  • Minimal financial information required

With our extensive experience and resources, USMF is the only financial resource in the healthcare industry that guarantees smarter financing and business solutions. No other bank or lending institution offers this commitment. Consider USMF your trusted personal financing consultant.

Contact our practice financing team today.


Our lending advisors are ready to assist you


Our Testimonials

  • USMF put together for me the most unique and competitive debt restructuring program I found. The resulting 30% monthly cash flow increase has given me greater revenues and allowed me to expand my practice and gain more control of my business. I highly recommend USMF.
    Joseph Seneczko

  • US Medical Funding was the most professional and knowledgeable company I spoke with. They were concerned with my needs and very willing to help and answer all my questions. My calls were always returned promptly. Their programs are flexible. They worked diligently to customize a program tailored to my specific financial needs. All deadlines were met. They went above and beyond my expectations. I highly recommend their services.
    Sonya Clover

  • Marc Cornella has been a trusted advisor since my transition from employee to employer. I had very little prior business experience when I started the process of buying my current practice. Marc not only guided me into a great mortgage but also advised me through my building acquisition two years later even though he did not directly broker the deal. I appreciate Marc’s skills so much that I have recommended Marc to my associate as she starts the process of buying into my practice.
    George Runnels

  • As a result of the customized financing program USMF tailored for our new, state-of-the-art facility, our revenues have grown, our profits are strong, and we have experienced greater control and satisfaction in our new business. Many thanks to Marc Cornella and the entire USMF staff!
    Sybil Davis

  • I want to sincerely thank US Medical Funding for all their hard work and dedication. They were able to help me secure a great loan with no money down, awesome interest rate and even helped me negotiate the right price with the seller. Very straight forward from day one. I am looking forward to work with you all on my second acquisition. Thanks again.
    Mike A.

  • I highly recommend US Medical Funding. Marc Cornella helped me with equipment purchase and working capital loans for my veterinary hospital. He was timely, creative at looking into several options and he really gave me a personal approach that set him apart from other companies. Because of his many years of experience in the industry, he was familiar with the companies we work with as a veterinary hospital which made it easy to communicate our needs to him. US Medical Funding really helped me out in a time of need and I would use them again in the future and I will recommend their services to my colleagues.
    Stephanie Lantry

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