1. Save up to $17,000 a year with NO COST* financing
More than a loan. A relationship.
LendingUSA helps you keep
more of the money you earn.
Our NO COST* portal is the smart alternative to industry-
leading programs that can cost your practice as much as
15% for promotional patient financing.
Patients get budget-friendly installment loans.
Providers can save $400 to $475 on every transaction.
NO FEES for prime loans
NO FEES for 0% interest rate financing†
NO SET-UP FEES, annual fees, monthly fees,
membership fees, or subscription fees
If you close just four or five loans a month, NO COST*
patient financing from LendingUSA could save your
practice more than $17,000 a year.
0% interest rate financing† costs you $0 more.
The promotional financing patients want is a costly extra
with most of our competitors. But not with LendingUSA.
Our NO COST* program includes a 0% interest rate offer
for every approved patient, at NO EXTRA COST to you.
There’s never a “promotion fee.”
Up to 30% more approvals help you increase production.
We regularly approve patients with FICO scores as low as
620—including many turned down by the industry leader.
Powered by technology. Founded on relationships.
At LendingUSA, providers like you aren’t our customers,
middlemen, or surrogate salesmen. You’re valued part-
ners, and you’ll have an advocate to help you achieve your
goals. Your Relationship Manager will be an on-demand
financing expert, with the support you need always just a
click or call away.
LendingUSA
ADVANTAGE
Your Relationship Manager: Juan Romero 1-800-994-6177 ext 504 juan@lendingusa.com

2. 1 0% interest rate financing†
• The promotional financing your patients want is
built into every loan, at NO EXTRA COST to you
• 0% interest rate† if fully repaid in 6 months‡
• No rate jump if payment is late
• No penalty interest rate
• No pre-payment penalties
2 Funds transfer in 1 to 3 business days
• Direct deposit to your merchant account
• Transfer begins when documentation is complete
• Payment up-front and in-full*
• No billing or collection headaches
• No cost to you if patients default (no recourse)
3 Fixed-term installment loans
• 36 or 60 months
• Loan amounts from $1,000 to $35,000
• Rate payment fixed for the life of the loan
• No collateral required (unsecured)
• Safer for patients than credit card programs
4 Up to 30% more approvals
• FICO scores as low as 620
• Convert more patients and grow revenue
5 Loan decisions in seconds
• Checking rate payment won’t affect credit score
• Loans can be completed in as little as 7 minutes
• Treatment can start the same day patients apply
6 100% paperless process
• Works with any computer, tablet or smartphone
• Easily integrated with your website
• FREE personalized dashboard
• No special hardware or software required
• Digital identity verification
• E-signed loan documents
7 Free marketing support
• Printed brochures and web banners
• Expert guidance to help you get started
0% interest rate financing†
is included with every loan, FREE OF CHARGE
*Certain subprime loans will result in a lower payout percentage. †Zero Interest Rate on Principal Option
Promotion includes a non-refundable origination fee of 8%, resulting in an APR up to 29.99%. The non-
refundable origination fee will be included in the principal loan amount and withheld from loan proceeds.
For important legal information and terms, please see www.lendingusa.com/ziploan. ‡ Applies to loans
paid in full in six months. All loans are made by Cross River Bank, a New Jersey State Chartered Bank.
Member FDIC. No loans are offered in Connecticut, New York, Vermont, or West Virginia.
Relationship
Manager
Approval Rate
Total
Fees
0% Interest Rate
Financing†
Your Potential
Savings
LendingUSA ALWAYS $0.00*
for prime loans
ALWAYS
INCLUDED
at no extra charge
Up to
$17,000
a year
Industry
Leader
Select
Accounts
3% to 15%
depending on promotional
financing option chosen
Always a
Costly Option
$0.00
Up to
30% more approvals
than the industry leader
Compare LendingUSA’s NO COST* financing for yourself
More than a loan. A relationship.
REASONS to ENROLL in LendingUSA’S
NO COST* PATIENT FINANCING PORTAL7

3. NO COST Patient Financing Program*
FREE Promotional Financing ▪ EVERY Loan includes a 0% Interest Rate† Option at NO EXTRA CHARGE
▪ For Providers: • No Promotion Fee EVER
▪ For Patients: • 0% Interest Rate† If Fully Repaid in 6 Months‡ • No Rate Jumps
• No Penalty Interest Rate EVER • No Pre-Payment Penalties
Up to 30% More Approvals ▪ Loan Decisions in Seconds ▪ Loans Completed in as little as 7 Minutes
than the leading program ▪ Live Customer Service from 7:00 am to 6:00 pm PT Monday to Friday
Provider-Centric Funding ▪ Direct Deposit to Provider’s Account via ACH in 1 to 3 Business Days
▪ Transfer Begins as Soon as Agreements are Signed Documentation is Complete
Fast Convenient ▪ Fixed Rate Payment Installment Loans ▪ E-Signature Digital Identity Verification
▪ No Special Hardware or Software Needed ▪ FREE Merchant Dashboard
Eligible Products Services ▪ Cosmetic Surgery ▪ Dentistry ▪ Dermatology ▪ Fertility ▪ Bariatrics ▪ Medspas
▪ Hair Restoration ▪ Laser Eye Surgery ▪ Veterinary ▪ Audiology ▪ And Much More
Loan Amounts ▪ $1,000 to $35,000
Program Highlights
TIERS 1 2 ARE FREE OF ALL COSTS FOR PROVIDERS LICENSED MEDICAL
PRICE LIST
EVERY loan in EVERY tier includes 0% INTEREST RATE FINANCING† at no extra charge
36-Month Loans Tier 1 Tier 2 Tier 3
Maximum Loan Amount $35,000 $35,000 $15,000
Minimum Loan Amount $1,000 $1,000 $1,000
Interest Rate 10.98% 18.92% 24.13%
APR 16.39% 24.59% 29.99%
60-Month Loans Tier 1 Tier 2 Tier 3
Maximum Loan Amount $35,000 $35,000 $15,000
Minimum Loan Amount $1,000 $1,000 $1,000
Interest Rate 15.74% 23.55% 26.02%
APR 19.32% 27.42% 29.99%
PAYOUT PERCENTAGE 100% 100% 93%
*Certain subprime loans will result in a lower payout percentage. †Zero Interest Rate on Principal Option
Promotion includes a non-refundable origination fee of 8%, resulting in an APR up to 29.99%. This non-
refundable origination fee will be included in the principal loan amount and withheld from loan proceeds.
For important legal information and terms, please see www.lendingusa.com/ziploan. ‡ Applies to loans
paid in full in six months. All loans are made by Cross River Bank, a New Jersey State Chartered Bank.
Member FDIC. Loan amounts range from $1,000 to $35,000. No loans are offered in Connecticut, New
York, Vermont, or West Virginia.
More than a loan. A relationship.
Your Relationship Manager: Juan Romero 1-800-994-6177 ext 504 juan@lendingusa.com