The Next-Generation
Healthcare Credit Platform
Technology. Precision Analytics. Disciplined Structuring
About our Company
The Market and Risk Intelligence engine redefining healthcare and physician lending
LendMD
Flexible Healthcare Lending Infrastructure for Financial Institutions
LendMD partners with banks and lending institutions as a full-service healthcare lending operator.
We deliver end-to-end solutions across sourcing, underwriting, origination, servicing, and portfolio management. With deep sector expertise and operational precision, we enable our partners to confidently scale and manage healthcare credit across business, commercial, and real estate loans.
We offer flexible, data-driven integration that enhances credit structuring while preserving our partner’s underwriting discretion. Whether providing risk scoring or full-service lending support, our platform adapts to each partner’s operational and strategic needs.
Partnership Models
Healthcare Lending Solutions
Full-Service Healthcare Lending Division
Your healthcare & physician lending arm, including product development, originations, scoring, processing, borrower interaction, credit support & loan packaging for sale.
Co-Originated Lending
Licensed originators work alongside your team (white-labeled or co-branded) to intake and structure loans you fund.
Loan Packaging & Underwriting Assistance
LendMD prepares full credit files and score-backed recommendations; your team retains final authority.
Credit Advisory Support
LendMD risk scores integrated into your internal credit process and memos, including strategic guidance on pricing and loan policy.
Risk Scoring-as-a-Service
Independent loan or Portfolio-level; LendMD risk assessments supplement underwriting and structure/pricing decisions.
Portfolio Monitoring & Score Drift Tracking
Ongoing risk analysis and scoring post-close to identify emerging borrower risk before they appear in financials.
Customized and Flexible Financing for Healthcare Providers
4FiMD is a physician-first private credit platform designed to originate, structure, and service high-integrity loans within the healthcare sector.
Leveraging FinMD’s proprietary risk systems, 4FiMD integrates real-time risk scoring and ongoing portfolio intelligence into every credit decision. This model exemplifies how private lenders can apply institutional-grade discipline, providing investors with a smarter, more transparent entry into healthcare private credit, while giving physicians access to loan products tailored specifically to their needs.
4FiMD delivers flexible, data-informed capital solutions to healthcare professionals—originating loans through private capital vehicles and institutional lending alliances.
4fiMd Products
Financing Solutions Designed for Physicians
Practice Start-Up Loans
For new practice formation, including buildout, marketing, staffing, and working capital.
Partner Buy-In / Buy-Out Financing
Structured to match income ramp, equity terms, and shareholder dynamics.
Equipment Financing
Custom loans for imaging, surgical, or diagnostic assets—matched to depreciation schedules.
Practice Acquisition Loans
Built to fund transitions between owners or expand into new specialties and locations.
Refinance & Restructure Loans
Improve cash flow or consolidate obligations into smarter terms aligned with practice income.
Fintech
Evidence-Based Lending
& Decision Support Tools
We have terabytes of data from 140 public, private, and proprietary databases in 10 domain-specific data sources. We analyze vast amounts of historical data to understand past trends and patterns in the healthcare sector.
Leveraging business intelligence platforms and machine learning algorithms, we use the data to develop predictive lending decision support tools (LDST) that analyze market trends, generate Insights, enabling rapid, data-driven scoring and lending decisions.
Who We Are
Our team brings extensive experience across healthcare lending, capital markets, private equity, real estate finance, public health, and technology.
We have originated, structured, and managed billions of dollars in credit across various market cycles. We understand both sides of the healthcare capital equation because we experience it, from the perspective of lenders, investors, operators, and risk managers. This hands-on experience shapes how we build, partner, and allocate, with a commitment to precision and operational excellence.
Data and analytical rigor are central to our process. Our team includes data scientists and statisticians who design, test, and refine proprietary models, enabling earlier risk identification, more precise underwriting, and the discovery of overlooked opportunities. By integrating capital markets knowledge with advanced analytics, we serve healthcare providers and institutional partners with a modern, data-driven approach.
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