Manage Your Money
Services • Lending
Tailored Lending Options
Lending & Financing For Physicians
Physicians Thrive offers lending services customized to address the financial challenges and opportunities physicians encounter.
From managing student debt to financing a new practice or home, our solutions are designed to help you achieve your financial goals with ease.
With access to physician-friendly programs, expert advice, and flexible terms, we simplify the lending process so you can focus on your career and personal aspirations.
We specialize in…
How It Works
Navigating loans as a physician can be complex, but with Physicians Thrive, you gain a trusted partner.
Our lending services cover a broad spectrum, including student loan refinancing, business loans, and physician mortgage loans.
We collaborate with physician-specific lenders to provide competitive terms, tailored solutions, and end-to-end guidance, ensuring a seamless experience.
Whether you’re launching a practice, upgrading your home, or seeking short-term funding, we’re here to empower your financial success.
Physician-Specific Mortgages
Access mortgage loans with 0% down, no PMI, and flexible debt-to-income ratios, designed to accommodate doctors’ financial situations.
Student Loan Refinancing
Reduce interest rates and simplify payments with physician-focused refinancing solutions, helping you save money and achieve financial independence faster.
Practice Expansion Loans
Secure funding for practice growth, including new locations, equipment purchases, and partner buy-ins, with competitive rates and terms.
Frequently Asked Questions
What makes physician mortgage loans different?
Physician mortgage loans offer unique benefits like low or no down payment options, no PMI requirements, and flexible debt-to-income calculations, accommodating physicians’ high student debt and earning potential.
Can I refinance federal student loans with private lenders?
Yes, refinancing federal loans can lower your interest rate, but it eliminates access to federal benefits like income-driven repayment and Public Service Loan Forgiveness (PSLF).
What types of loans are available for starting a private practice?
Physicians Thrive offers startup financing, equipment loans, and working capital loans to cover costs like leasing office space, purchasing medical tools, and managing payroll during your practice’s early stages.
Related Services
110,500 Physicians
…and Counting
We’ve educated and served thousands of physicians.
Our team has helped physicians in all 50 states better understand their unique financial situations.
7,000+ satisfied physicians
– Jigar Panchal
I worked with Dave Swan recently for disability insurance. Dave and his team were very professional and courteous. He was always available for questions and was overall a pleasure to work with.
– Saurabh Singhal
I couldn’t recommend Dave & Steve Stratman for contract review services more. I also further have a meeting set with Dave to discuss disability insurance and continue our discussion about financial education and planning in the upcoming weeks.
– Nick Peacock
Great company to work with, helped me set up own occupation disability insurance and were very helpful and great at explaining things along the way.
– Ealena Callender
I have been very pleased with Physician’s Thrive. Their representatives are always responsive and helpful. Michaela is pleasant and eager to help. It is great to have one reliable place to go for a wide range of services. I highly recommend them to anyone who asks.
– Doug Zaruta
Top notch all-inclusive financial planning, contract review, accounting, tax planning, and more. Dave Swan is a true professional with strong values and integrity. He and the entire team at Physician’s Thrive are trustworthy, reliable, and accessible.
– Jake Luther
Michaela provided excellent advice regarding student loan repayment, investments, and home buying when I was entering residency. I highly recommend her and this company for any physicians that are in search of financial advising.
– Colton Roessner
Michaela gave a great presentation on medical student financial literacy and making the transition from student to resident to attending physician. I would highly recommend her for anyone with financial questions about medical student loans and financial planning!
