Smart Finance Options provides various financing options for medical practices, including loans for commercial real estate, equipment, startups, projects, acquisitions, and debt consolidation. They also offer invoice factoring to provide cash advances for medical professionals. Their website and contact information are listed for inquiries about qualifying for their financing products and building a long-term business relationship.

1. Medical Practice Solutions
Smart Finance Options, Inc.
A Leader in Medical Practice Financing
www.medicalpracticefinancing.com

2. Specialty Focus
Internal Medicine
Veterinary Medicine
Family Practice
Ophthalmologist
Pediatrics
Orthopedic Surgeons
Dermatology
OB/GYN
Plastic Surgery
Neurology
All Dental

3. Commercial Real Estate
Products Real Estate - 1st mortgage/down payment
Description At least 51% Owner-Occupied made in conjunction with other Core (PSA, Start-up, Relo,
PERL, etc.) products
Professional Fields Physicians, Dentists, Vets (some exceptions Apply) -in most cases
Requirements 1st Lien on the commercial R/E
Cash Flow/LTV 1.20+ standard Cash Flow
requirements
1st mortgage - 85%LTV
2nd mortgage -15% LTV or (maximum of $150K)
Maturity Up to 25 years - 1st mortgage;
up to 10 years - 2nd mortgage
Loan Amounts $100K - $2MM
(2nd = 15% LTV or max $150K)
Rates Fixed & Variable
Payment Plans - Up to 12 months interest only
- No Balloons
- No Step
Fees/Pre-Payments Pre-Pay:
- N,3%,2%,1%,0% (Standard)
Industry Advantage 85% Loan To Value, Low or minimal down payments , Fully Amortized Fixed Loan for up to
25 years , Competitive Closing Costs , Conventional Loan - Streamlined Process , Interest
Only Loans up to 12 months , Access to SBA Loans ,Low Prepayment Penalty
Package Requirements 2 years business and Personal Tax returns, Current P&L, CV, Application and PFS

4. Start Up Financing
Products Start-up (First Location)
Description Finance start-up costs associated with healthcare practice for a licensed doctor; with or
without patient base
Professional Fields Physicians and Vets (some exceptions Apply)
Requirements - minimum 1 year license (without guarantor
- 1st lien position on the practice required
Cash Flow/LTV 1.20 Cash Flow based on Bank's 4-year projections
requirements
Maturity Up to 15 years
Loan Amounts typically up to $350M
Rates Fixed
Payment Plans Step Payments : Up to 36-month graduate payment plan to match cash flows:
a. 0% - 4 months
25% - 8 months,
50% - 2nd year (12 months)
75% - 3rd year (12 months)
100% - Remaining Term
b. Others exist
Fees/Pre-Payments Pre-Pay:
- N,3%,2%,1%,0% (Standard)
Industry Advantage In house practice management program free to Dr., Graduated payment programs, 15 year
fixed rates, No soft cost restrictions, project manager to coordinate all payments, interim
project note that holds off payment until project is complete reserving working capital
Package Requirements 2 years business and Personal Tax returns, Current P&L, CV, Application and PFS

5. Project Loan
Products Relocation/ 2nd Office/ Expansion/Remodeling
Description - Finance the costs associated for a licensed healthcare provider for the following requests: opening
of a 2nd office, relocation, expansion, remodeling or debt consolidation (PERL - Practice Equity
Reinvestment Loan)
Professional Fields Physicians, Dentists, Vets (some exceptions Apply)
Requirements - minimum 1 year license (more for PERL)
- 1st lien position on the practice required
Cash Flow/LTV 1.20+ historical Cash Flow for each year (based on last 3 years)
requirements
Maturity Up to 15 years
Loan Amounts $100K - $2MM
(min of $250K for 15-year term)
Rates Fixed & Variable
Payment Plans - Up to 12 months interest only - Graduated payment plans available
- Up to 4 months deferred (except PERL)
Fees/Pre-Payments Pre-Pay:
- N,3%,2%,1%,0% (Standard)
- Other exists as low as N,0% (except PERL)
Industry Advantage Graduated payment programs, 15 year fixed rates, No soft cost restrictions, project manager to
coordinate all payments, interim project note that holds off payment until project is complete reserving
working capital, Rate lock
Package Requirements 2 years business and Personal Tax returns, Current P&L, CV, Application and PFS

6. Practice Sales and Acquisition
Products PSA - Practice Acquisition
Description - Core PSA - financing a purchase of a practice (1st or additional offices)
- Jump Start PSA - finance practice that is underperforming due to the seller retiring, seller illness or
a satellite office that did not meet seller's expectations
Professional Fields Physicians, Dentists, Vets (some exceptions Apply)
Requirements - minimum 1 year license (2 for Jump Start PSA)
- 1st lien position on the practice required
Cash Flow/LTV 1.20+ historical Cash Flow for each year (based on last 3 years)
requirements - Jump Start PSA -Cash Flow will be evaluated based on Bank's projections
Maturity Up to 15 years
Loan Amounts - $100K - $2MM (minimum of $250K for 15-year term)
- $100K - $350K for "Jump Start" PSA
Rates Fixed & Variable
Payment Plans - Up to 12 months interest only
Fees/Pre-Payments Pre-Pay:
-N,3%,2%,1%,0% (Standard)
- Other exists as low as N,0%
Industry Advantage In house practice management program free to Dr. for first time practice owners, 15 year fixed rates,
over 100% financing available including working capital
Package Requirements 2 years business and Personal Tax returns from buyer and seller, Current P&L, CV, Application and
PFS

7. Equipment Only
Products Equipment Only (non-Express)
Description Finance the acquisition of equipment for an existing healthcare provider such as Office Equipment,
Imaging & Diagnostic, Operatory Equipment
- Any equipment amount >$200K or <$200K if requires an opening of an interim loan (project)
Professional Fields Physicians, Dentists, Vets (some exceptions Apply)
Requirements - minimum 1 year license
- lien position on the equipment purchased
Cash Flow/LTV 1.20+ historical Cash Flow for each year (based on last 3 years)
requirements
Maturity Up to 10 years
Loan Amounts No Cap established
Rates Fixed & Variable
Payment Plans - Up to 4 months deferred
Fees/Pre-Payments Pre-Pay:
- N,3%,2%,1%,0% (Standard)
- if <200MM Express loan, No pre-payment penalty
Industry Advantage Application only up to $200m, easy document completion, ability to prepay after the 4th year with no
penalty

8. Express
Products Equipment Only - Express
Description App Only Process for financing of:
- Consulting/Education (up to $75K)
- Equipment (up to $200K)
Equipment non-project loans only
Professional Fields Physicians, Dentists, Vets (some exceptions Apply)
Requirements - minimum 1 year license
- lien position on the equipment purchased > $75K
Cash Flow/LTV Judgmental decision based personal credit
requirements
Maturity Up to 7 years
Loan Amounts $10K - minimum
- Unsecured up to $75K
- Secured $75-$200
Rates Fixed & Variable
Payment Plans - Up to 3 months deferred
- No Balloons
- No Step
Fees/Pre-Payments Pre-Pay:
No pre-payment penalty
Origination Fees: None
Industry Advantage No pre-payment penalty, payments to principle at anytime, no documentsneeded under $75m ,
Faxable documents over $75, no advance payments or ballons, same day approvals, pay consulting
and education up to $75m

9. Practice Debt Consolidation
Products Debt Consolidation (PERL - Practice Equity Reinvestment Loan)
Description Complete Practice debt refinancing
Professional Fields Physicians, Dentists, Vets (some exceptions Apply)
Requirements - minimum 2 year license
- 1st lien position on the practice required
Cash Flow/LTV 1.20+ historical Cash Flow (based on last 3 years)
requirements
Maturity Up to 15 years
Loan Amounts $100K - $2MM (min of $200K for max term)
Rates Fixed & Variable
Payment Plans - Up to 12 months interest only
Fees/Pre-Payments Pre-Pay:
- N,3%,2%,1%,0% (Standard)
Industry Advantage Extend short term liabilities, increase cashflow by obtaining lower rate and extended term, consolidate
multiple payments into one easy payment, term out all current revolving debt
Package Requirements 2 years business and Personal Tax returns, Current P&L, CV, Application and PFS

10. Smart Finance Options, Inc.
A Leader in Medical Practice Financing
www.medicalpracticefinancing.com
Invoice Factoring for Medical Professionals
GET CASH ADVANCED. We specialize in providing Medical Accounts
Receivable Financing to healthcare providers nationwide, including doctors,
medical practices, nursing homes, hospitals, home healthcare companies,
rehab clinics and temporary nurse staffing firms.
We enable Health Care Providers and Managers to:
•Levelize Cash Flow – Avoid Unexpected Shortfalls
•Receive Additional Capital With No New Debt
•Upgrade or Purchase Equipment & Systems
•Cover Your Working Capital Demands
•Gain Greater Control of Your Practice
•No Contract Term or Minimums
•No Setup or Origination Fees
Corporate Office
201 W. Stassney Ln. #104-B
#104-
Austin, Texas 78745
Phone: 512-807-8159 Fax 888-547-7993
512- 807- 888- 547-
Email: info@smartfinanceoptions.com

11. Smart Finance Options, Inc.
A Leader in Medical Practice Financing
www.medicalpracticefinancing.com
We look forward to building a profitable and long term business relationship with you! Your phone and email
inquiries are welcome. We want your business. May we have the opportunity to earn it?
Corporate Office
201 W. Stassney Ln. #104-B
#104-
Austin, Texas 78745
Phone: 512-807-8159 Fax 888-547-7993
512- 807- 888- 547-
Email: info@smartfinanceoptions.com