Business Financing & Merchant Services
| Healthcare (SBA) | Merchant Service (IC+) | ||||
|---|---|---|---|---|---|
| Average Rate: 5.25% | Average Rate: 5.00% | Average Rate: 7.99% | Average Rate: 5.25% | Average Rate: 7.50% | Average Rate: 1.73% |
| APR Range 5.00-5.75% | APR Range 4.75-5.75% | APR Range 6.50-8.5% | APR Range 5.00-5.75% | APR Range 7.50-9.00% | Effective Rate Range: 1.50- 2.50% |
Lowest average rates offered by our partners, calculated based on the current prime rate of 6.75%. Updated Dec 2025.
Practice Purchase | Established Business Loan | Express Equipment | Commercial Real Estate
What does US Bank Practice Finance do:
Practice Loan: Up to $3.5 Million (No Cold Start)
- ✅ Acquisition Financing:
Goodwill | Accounts Receivable | Equipment | Patient Records | Working Capital - ✅ Practice Buy In or Buy Out:
Partner Buy Out | Becoming a Partner - ✅ Practice Finance of Projects:
Existing Practice | New Location | Business Expansion | Relocation - ✅ Refinance of Practice Debt:
Lower Interest Rate | Increase Cash Flow | Consolidate current practice debt
Features:
- ✅ Competitive fixed and adjustable rates that are lowest in the industry
- ✅ Practice loan terms available up to 15 years
- ✅ Up to 100% financing available
- ✅ Up to six-month interest-only programs
- ✅ Various prepayment options available
- ✅ Ability to address a full range of practitioner financial needs with U.S. Bank products offered through local branches and a dedicated Healthcare Relationship Manager assigned to you
- ✅ Loan amounts up to $3,500,000
- ✅ Commercial real estate (Conventional and SBA) with flexible terms of 5 – 25 years
Location Requirements: Eligible in all States
📧 Peymon Kalantar | Peymon.kalantar@usbank.com | CALL /TEXT 619-517-1975
Cold-Start | Practice Purchase | Established Business Loan | Express Equipment | Commercial Real Estate
When you need financing for your dental practice, you want to work with someone who understands your industry. For over twenty-five years, Bank of America Practice Solutions has helped dentists across the nation reach their goals through smart financial solutions1 and expert guidance. Whether you own a practice or are just getting started, we can provide customized financial help for your short-term needs and long-term aspirations.
Purchase and start-up:
- Practice sales and purchases
- New practice start-ups
- Owner-occupied commercial real estate products2
Growth and restructuring:
- Improvement and expansion financing
- Equipment financing
- Practice debt consolidation3
Expert guidance. Personal attention. Real solutions.
- Association members receive 50% reduction in loan administration fees.4
📧 Mike Smith | Michael.Smith-11@Bofa.com | CALL/TEXT (480)-486-8912
1 All programs are subject to credit approval and loan amounts are subject to credit worthiness. Some restrictions may apply. 2 For Owner-Occupied Commercial Real Estate loans (OOCRE), terms up to 25 years and 51% occupancy are required. Real Estate financing options are subject to approval and product availability is subject to change. For SBA loans, SBA eligibility and restrictions apply. 3 Bank of America may prohibit use of account to pay off or pay down another Bank of America account. 4 To be eligible for this reduction, applicants must provide association name and membership number at time of approval. Bank of America is a registered trademark of Bank of America Corporation. Bank of America Practice Solutions is a division of Bank of America, N.A. ©2019 Bank of America Corporation | MAP#6455169
Cold-Start | Practice Purchase | Established Business Loan | Project Loans | Express Equipment | Commercial Real Estate | Debt Refinance/consolidation
Solutions to Manage & Grow Your Optometry Practice. We’re specialists, just like you. While you keep your patients healthy, we are here to help keep the financial side of your optometry practice healthy. We offer fresh insights, intelligent advice, and innovative practice solutions to help optometrists start, run, and grow their practices.
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A single point of contact throughout the loan process.
Optometrist Loan: Up to 100% financing, Up to 10-year terms to help cash flow, Deferred and interest-only payments
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✅ Cold Start (non-SBA) with 30 months interest only
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✅ Practice Acquisition
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✅ Debt refinance & consolidation
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✅ Express Equipment financing
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✅ Real estate loans (No limit)
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✅ Practice management solutions (Banking/Credit Card, Merchant services, remote deposit capture, Payroll services, online & mobile banking)
Location Requirements: Eligible in all States
📧 Linda Childress | Linda.Childress@huntington.com | Call/Text 405-625-6088
Express Equipment | Cold Start & Established Practice
Partner with NewLane Finance — the trusted nationwide network for vendors, brokers, businesses, and practices seeking smarter equipment financing. Enables practices with tailored financing solutions that streamline equipment acquisition — quickly and reliably.
Optometrist Loan: Up to 100% financing, low monthly payment 1st year, Up to 12-84 months terms to help cash flow
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✅ Application Up to $150,000 | Requires only 2 year licensing*
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✅ 100% Prefunding Available | Terms from 12–84 months
- ✅ Credit Decisions under 2 hours | Electronic Docs within 1 hour
- ✅ Direct Lender backed by $24B bank
👉 Email or Text/Call to get a quote today! or Submit app online to get pre-approved Equipment Finance Application | NewLane Finance
Location Requirements: Eligible in all States
📧 Michael Stepa VP, Medical Equipment Finance | mstepa@newlanefinance.com | Call/Text 609.760.5939
Low-cost Interchange Plus | 0% Credit Processing Fees
Founded by Drs. Dat Bui & Aaron Neufeld ODs, a doctor team of financial professionals and technologists passionate about finance and technology, ODs on Finance Merchant Services was created to address the complexities and high costs associated with traditional payment processing. Recognizing the challenges faced by businesses of all sizes, we set out to create a merchant services platform that not only reduces fees but also enhances user experience through streamlined processes and advanced tools.
Why Partner With Us?
- ✅ LOWEST Industry-Leading Rates: Enjoy an average 1.73% + 8¢ for in-person swiped/chip transactions and an average 0.05% + 20¢ for PIN-Debit.
- ✅ Free 0% Credit Processing
- ✅ Transparent "Interchange Plus" Pricing: Our model ensures complete clarity with Interchange Plus pricing, providing full transparency, unlike competitors who often use flat 2.60% rates.
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✅ No Unexpected Costs: You'll find no application fees, no monthly fees, and no hidden charges.
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✅ Free Online Invoicing
- ✅ Wholesale Smart POS Price*: We offer a FREE Desk 3500 (via $200 Rebate) or access to discounted wholesale pricing for advanced POYNT Smart Terminals.
- ✅ Consistent 24/7 Support: Our dedicated team is available around the clock to ensure smooth operations + Dedicated FT account manager
HOW TO GET STARTED: Tell us about your business & upload a recent statement to get a rate quote within 24 hrs!
👉https://merchant.odsonfinance.com/get-started/
*If you are a new business (Cold Start/purchase) or don’t have access to previous credit card statements, no need to upload statements, just EMAIL us to get a customized new business quote.
📧 Ann Navarro, Account Manager | Merchant@ODsonFinance.com | Call/Text 650-405-3778
