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U.S. Bank Practice Finance FAQs

General FAQs

  • We specialize in providing customized financing solutions to dental, veterinary, optometric and ophthalmologic practitioners throughout their careers. Solutions include financing for acquiring an existing practice, starting a new practice, relocating or expanding a practice, adding a new office location, or refinancing existing practice debt.
  • While some lenders are only able to offer fixed financing solutions, we have the flexibility and resources to offer every practitioner tailored or custom financing – a loan solution designed to meet a practice's specific monthly budget requirements and preferred payment terms at a competitive interest rate.
  • We offer competitive fixed rates on our loans. Interest rates may vary depending on final credit approval, length of loan term desired, timing of the loan closing, fees and market conditions.
  • We offer loan terms of up to 10 years, with up to 100% financing and no money down. Exact terms are based on specific loan needs and final loan requests. We offer competitive fixed rates, up to six-month interest-only programs (contingent upon credit approval), the ability for a no prepayment penalty option and a full range of financial solutions through our local branches.
  • Yes.  We offer up to a 6-month interest-only (9-month for start-ups) payment option (contingent upon credit approval) or a 12-month step-up program.
  • Yes. This option allows you to pay off any practice finance loan early without a prepayment penalty. This option also allows you to make principal only reduction payments on any practice finance at anytime without a penalty.
    • Our knowledgeable program representatives provide superior, individualized service and expert guidance throughout the financing process.
    • We offer financing based on the practice’s income, enabling practitioners with fewer assets to more easily obtain a loan to acquire, expand, remodel and grow their business.
    • On building and remodeling projects, we work closely with practitioners to establish reasonable project schedules and completion dates. Also, our financing assures you of the flexibility and control you need to manage your expansion or relocation. You choose the vendors and contractors for your project, and we’ll release payments to them on your behalf, freeing you from paperwork.
    • Our local bank branches ensure practitioners of the ability to meet with a representative in person.
  • We serve the entire United States through four sales regions. You can find your regional representative online or by calling 800-313-8820.
  • To start the application process, download the application for your specific financing need. Or call 800-313-8820 to speak with a regional representative and obtain a customized application package.
  • Your regional representative will work with you to complete the credit review for your specific practice finance loan as quickly as possible.
  • Requirements are based on type of loan and typically include an application, personal financial statement, updated resume, two to three years of federal tax returns, and the most recent profit and loss statement and balance sheet for your practice. For more information, call 800-313-8820 to speak with a program representative, who will be happy to send you a customized application package that provides detailed requirements for specific types of loans.

Acquire or Buy-In FAQs

Refinance a Practice FAQs

Expand or Relocate FAQs

Start a Practice FAQs

  • We offer up to a nine-month interest only payment option or a 12-month step-up payment program.
  • We finance leasehold improvements, equipment and working capital. Typically, we like to see a 40/60 split of hard to soft costs. Examples of soft costs include tenant improvements, working capital and supplies. Examples of hard costs include major equipment, furniture and computers.
  • Yes. We usually want a business plan that summarizes why you want to do a start-up, the location you have selected and your marketing plans to grow the practice. In addition, we require two years of revenue and expense projections, and want to know what your plans are to earn income during the construction and start-up phases of the business.

Equipment Financing FAQs

  • Yes, we offer financing for the purchase of major practice-related equipment, such as diagnostic equipment and computer systems. It is available as an equipment only financing loan or it can be structured as part of any practice financing term loan (start up, acquisition, expansion or relocation).
  • Equipment financing is financed as part of a practice acquisition, relocation, expansion or start-up financing solution, all of which offer terms of up to 10 years.

Customer Service FAQs

 Equal Housing Lender

Credit products offered by U.S Bank National Association and are subject to normal credit approval and program guidelines. Deposit products offered by U.S. Bank National Association. Member FDIC.

Applications subject to credit approval. Other conditions and fees may apply. Deposit products offered by U.S. Bank National Association. Member FDIC.

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