Frequently Asked Questions

Even in this current economic environment we are still providing solutions for both scenarios. If the start-up project is under 750k and you are expanding by adding an additional location, we are still offering our Conventional, non-SBA loan program with minimal capital injection. If the project exceeds 750k, we will utilize our SBA 7a or 504 loan program. However, depending on the size of the Start-Up project, it’s still easier to qualify for a loan with an existing practice generating a positive cash flow.

Yes, we offer a 100% satisfaction guarantee. Please see our Smarter Guarantee and click on the tab located at the top of the page.

Even in this current economic environment, we are still providing solutions for both scenarios. If the start-up project is under 750k we are still offering our Conventional, non-SBA loan program with minimal capital injection. If the project exceeds 750k, we will utilize our SBA 7a program. However, depending on the size of the Start-Up, it’s still easier to qualify for a loan on an existing practice generating a positive cash flow.

In many situations, you will not have to contribute. Depending on the strength of the practice, the borrower’s creditworthiness, and the particular requirements, in many situations, USMF can still offer 100% financing. However, in some scenarios with real estate involved, you may need to contribute 5% – 10% of the total project amount.

Although no scenario is exactly the same, if all required documents are provided in a timely manner, a typical conventional practice loan can be easily closed in less than 15 business days. With real estate involved and a recently completed appraisal, you can expect to close within 30 days.

1. Complete the USMF one-page Confidential Finance Questionnaire (CFQ).
2. After you discuss your present situation and objectives with one of our personal financing consultants, you will receive our USMF application.
3. Upon receipt and qualifying review of the USMF application and initial document checklist, you will be presented with all of your financing options.
4. Select which option fits your specific needs best and then move forward to closing!

No. USMF never charges application or upfront fees. More than 9 times out of 10, USMF will provide better rates and terms for your specific requirement. USMF is the only financing source in the healthcare industry that guarantees smarter financing and business solutions. No other bank or lender offers this commitment. You will actually save valuable time and money with our streamlined approval and closing process.

No. We are a direct lending firm that partners with some of the most competitive banks in the nation. By partnering with the best lenders in the country, we have the flexibility to structure the most competitive programs for each client, no matter what type of project. We’re not a bank with our own agenda, we’re your personal financing firm that customizes programs that fit your agenda.

Unlike your local bank, we do not require all of your business banking accounts. We only specialize in Veterinary, Dental, Optometry, Ophthalmology, Physician, Pharmacy, Medical, and many different Healthcare Centers and Services. The experience we have in your specific healthcare specialty helps us understand the requirements of your transaction and results in the most competitive and customized loan for your specific needs.

USMF offers a full range of practice and healthcare financing nationwide in all 50 states. At USMF, we know the lending process can be stressful and frustrating, so we make it our goal to simplify and streamline every step for each client. By using our exclusive Proposal Evaluating Program, we’ll guide you through the lending maze and recommend programs that will advance your business objectives.

USMF provides a wide range of financing programs, technology, and claims revenue solutions specifically designed for the unique needs of Veterinarians, Dentists, Optometrists, Ophthalmologists, Physicians, Pharmacists, Medical Specialists, and many different Healthcare Centers and Services. Not only does USMF have the ability to structure unique SBA 7a & 504 programs, but we also have the most competitive Conventional financing in the industry.

Unlike others, USMF is truly your personal financing consultant and specializes in the unique financing needs of medical professionals, and understands the real value of practice goodwill. For your existing practice, USMF can structure a variety of different finance programs with practice equity, rather than using real estate, business, or personal property as collateral.