Doc2Doc Lending
Doc2Doc Lending is a private Atlanta-based fintech that originates personal loans exclusively for U.S. healthcare professionals — physicians, dentists, nurses, CRNAs, PAs, and allied providers — using a healthcare-specific underwriting model and a DR Bank partnership, with loans from $5,000 to $100,000.
- Company typePrivate
- Founded2017
- HeadquartersAtlanta, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Doc2Doc Lending does
Doc2Doc Lending, Inc. is a private fintech lending platform headquartered in Atlanta, Georgia, founded in 2017 by physicians Dr. Zwade J. Marshall and Dr. G. Kenton Allen. The company originates personal loans exclusively to U.S. healthcare professionals — physicians, dentists, nurse practitioners, physician assistants, CRNAs, anesthesiologist assistants, registered nurses, optometrists, podiatrists, pharmacists, and veterinarians — with loan sizes from $5,000 to $100,000 and APRs ranging from 9.99% to 30.72%. Loans are made available through a banking partnership with DR Bank (member FDIC), and the company uses a proprietary healthcare-specific underwriting model that weighs career stage, specialty, training debt, and income trajectory rather than relying solely on traditional FICO scores.
The platform's core product is a suite of profession-specific personal loan products differentiated by career stage (residents, fellows, transition-to-practice, and practicing providers), each with tailored repayment structures such as interest-only periods during training or Bridge Loan terms for the income-gap between training and practice. Underlying technology includes a soft-pull rate check, a hard-pull underwriting engine, an autopay discount mechanism, and a digital self-serve application completing in under five minutes with funding in approximately seven business days. Supporting products include a Doc2Doc-branded Visa Signature credit card, business lines of credit, practice buy-in loans, SBA loan referrals, and a member benefits and financial-education ecosystem (Learn platform, Doc2Doc Scholars, referral program).
Doc2Doc monetizes through loan origination fees of 0.00%-4.00% plus the net interest spread between its DR Bank-sourced funding and borrower APRs. Go-to-market is direct-to-consumer and community-led: the company partners with more than 16 healthcare associations, medical-school alumni networks, and provider communities (e.g., AMWA, AOCA, Dental Nachos, White Coat Investor, KevinMD, John Muir Health) to drive organic acquisition, supported by a referral program that has paid out over $500,000. The company has raised over $35 million in debt and equity (August 2023) plus a $100 million Rivonia Road Capital debt facility (April 2024), and serves a long-tail customer base of individual healthcare providers across the United States (excluding Maine, West Virginia, and Connecticut).
Doc2Doc Lending firmographics
Firmographics- Name
- Doc2Doc Lending
- Legal name
- Doc2Doc Lending, Inc.
- Website
- https://doc2doclending.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Doc2Doc Lending is a private Atlanta-based fintech that originates personal loans exclusively for U.S. healthcare professionals — physicians, dentists, nurses, CRNAs, PAs, and allied providers — using a healthcare-specific underwriting model and a DR Bank partnership, with loans from $5,000 to $100,000.
- Ownership category
- akta.pro rank
Doc2Doc Lending industry classification
Industry- Product category
- Healthcare Professional Personal Lending
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Medical & Healthcare Personal Loans (Unsecured Installment) (FSAKAAAF)
Keywords
Where Doc2Doc Lending is headquartered
LocationHeadquarters
- HQ city
- Atlanta
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Doc2Doc Lending business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Personal Loan Origination Fees: Doc2Doc charges origination fees of 0.00% to 4.00% of the loan amount, deducted from loan proceeds at disbursement. The fee varies based on creditworthiness of the borrower.
- Interest Income: Annual Percentage Rates (APRs) range from 9.99% to 30.72%, with fixed interest rates over the life of the loan. Interest accrues daily on the principal balance only (simple interest). Revenue is generated through the spread between cost of funds and interest charged to borrowers.
- Referral Program: Members and partners earn $500 per successful referral when a colleague funds a loan. While this represents a cost, it drives customer acquisition. Maximum referral earnings of $10,000 per member.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Monthly | In-Training Residents and Matched 4th-Year Medical Students: Up to $25,000 |
| One time/ perpetual license | Monthly | Fellows: Up to $50,000 |
| One time/ perpetual license | Monthly | Finishing Training (Transition to Practice): Up to $50,000 |
| One time/ perpetual license | Monthly | Practicing Physicians, CRNAs, Anesthesiologist Assistants, Podiatrists: Up to $100,000 |
| One time/ perpetual license | Monthly | Optometrists, Veterinarians, Pharmacists, Physician Assistants, Nurses: Up to $50,000 |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels9 records
Doc2Doc Lending product offering
Product offeringCore offering
Doc2Doc Lending originates personal loans ranging from $5,000 to $100,000 exclusively to US-licensed healthcare professionals including physicians, dentists, nurses, CRNAs, PAs, anesthesiologist assistants, podiatrists, optometrists, pharmacists, and veterinarians. Loans are underwritten using a proprietary healthcare-specific model that weighs career stage, specialty, and income trajectory rather than relying solely on FICO, with no co-signer requirement, fixed APRs from 9.99% to 30.72%, terms of 60–84 months, and funding typically within seven business days. Loans are made available by DR Bank, member FDIC.
Product overview
Doc2Doc Lending is a financial services platform offering personal loans exclusively for healthcare providers. The core product is a suite of personal loans tailored for different medical specialties including physicians, dentists, nurses, CRNAs, anesthesiologist assistants, physician assistants, podiatrists, optometrists, pharmacists, and veterinarians. Loans range from $5,000 to $100,000 with healthcare-specific underwriting that considers career stage, income trajectory, and professional credentials rather than traditional credit metrics. The platform also offers commercial solutions including a business line of credit, practice buy-in loans, SBA loans, and a branded credit card for practice owners. Supporting services include a member benefits program with partner discounts, referral incentives, financial education through the Learn platform, scholarship programs, and borrower loan management tools. All loans are made available by DR Bank, member FDIC.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loans for Physicians Personal loans from $5,000 to $100,000 for physicians (MD/DO/DPM/MBBS) including residents, fellows, matched 4th-year medical students, and practicing doctors. Healthcare-specific underwriting with no co-signer required, fixed rates, and flexible repayment (Hybrid interest-only or Standard plans).
- Personal Loans for Dentists Personal loans up to $100,000 for dentists in training and in practice, with healthcare-specific underwriting that considers future earning potential rather than relying solely on traditional credit history.
- Personal Loans for Nurses Personal loans up to $50,000 for practicing nurses including RNs, NPs, and other nursing professionals, addressing debt consolidation and personal expenses during career transitions.
- Personal Loans for CRNAs Personal loans up to $100,000 for Certified Registered Nurse Anesthetists addressing relocation, debt consolidation, housing deposits, and licensing costs during career transitions.
- Personal Loans for Anesthesiologist Assistants Personal loans up to $100,000 for practicing anesthesiologist assistants, supporting relocation, credentialing, housing deposits, and professional costs.
- Personal Loans for Physician Assistants Personal loans up to $50,000 for practicing physician assistants, designed for debt consolidation and personal financial needs during career transitions.
- Personal Loans for Podiatrists Personal loans up to $100,000 for practicing podiatrists supporting debt consolidation, relocation costs, and personal financial needs during career transitions.
- Personal Loans for Optometrists Personal loans up to $50,000 for optometrists with career-specific underwriting and flexible use cases.
- Personal Loans for Pharmacists Personal loans up to $50,000 for practicing pharmacists with no prepayment penalties and healthcare-specific financing.
- Personal Loans for Veterinarians Personal loans up to $50,000 for practicing veterinarians with career-specific underwriting, flexible use cases, and predictable repayment terms.
- Bridge Loan Transition loan for doctors finishing training and starting careers, offering up to $50,000 with 6 months of interest-only payments followed by 54 months of principal and interest.
- Doc2Doc Credit Card Visa Signature credit card with Doc2Doc branding for physicians and dentists, distributed through Doc2Doc's commercial solutions platform.
- Business Line of Credit Flexible revolving financing for medical practices, providing access to predetermined funds for cash flow management, equipment purchases, expansion, inventory, marketing, emergencies, professional development, and technology upgrades.
- Practice Buy-In Loan Commercial loan product for physicians buying into an Ambulatory Surgery Center (ASC), structured as a 5-year term with 20 quarterly payments of principal plus accrued interest, with no requirement for spouse signature unless borrowing as a legal entity.
- SBA Loan Referral Referral product through which Doc2Doc connects medical-practice borrowers to SBA Preferred Lenders for practice acquisition, expansion, and other business purposes, with loan sizes from $25,000 to $5 million.
Quantifiable outcome
- Loans up to $100,000 for physicians and CRNAs, significantly higher than competitors (Upstart $75K, Lending Club $60K, Laurel Road $50K, Best Egg $50K)
- +2 more outcomes
Companies that use Doc2Doc Lending
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles2 records
Doc2Doc Lending technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability1 record
Feature4 records
Doc2Doc Lending partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core.
- American Medical Women's Association (AMWA)coreFounded in 1915, AMWA is the oldest national association for women in medicine. Doc2Doc partners to provide AMWA members with access to personal loans built for the financial realities of a medical career.
- American Osteopathic College of Anesthesiologists (AOCA)coreThe professional organization for osteopathic anesthesiologists, dedicated to quality education, community, and career success. Doc2Doc partners to bring financial literacy resources and lending solutions to AOCA physician members.
- Association of Black Family Medicine Physicians (ABFMP)coreFounded in 2020 to foster community and support for Black medical students and residents pursuing Family Medicine. Doc2Doc partners to deliver financial education and personal loans to providers building careers at the intersection of underrepresented medicine and community health.
- Atlanta Medical AssociationcoreHistoric physician organization and leading voice for Black doctors in Atlanta, affiliated with the Georgia State Medical Association and National Medical Association. Doc2Doc partners to bring financial literacy resources and lending solutions to AMA physician members.
- Dental NachoscoreCommunity built by dentists, for dentists, covering financial topics from practice ownership to debt management to wealth building. Doc2Doc's partnership extends lending support to dentists navigating financial pressures similar to physicians.
- Florida Podiatric Medical Association (FPMA)coreHas served Florida's podiatric physicians since 1927, representing over 1,000 DPMs. Doc2Doc partners to connect podiatric physicians to personal loans designed for healthcare career financial realities.
- John Muir HealthcoreLeading integrated health system serving the greater San Francisco Bay Area. Through partnership, John Muir Health providers have access to Doc2Doc's tailored financial products as a trusted benefit of their professional community.
- Student Doctor NetworkcoreStudent Doctor Network provides resources and community for medical students and residents. Doc2Doc partnership provides SDN community members with access to purpose-built healthcare provider loans.
- White Coat InvestorcoreLeading financial education platform for physicians and high-income professionals. Doc2Doc partnership extends financial products to White Coat Investor community members seeking healthcare-specific lending.
- KevinMD (Featured Media Partner)coreSocial media's leading physician voice platform. Dr. Zwade Marshall and Dr. Kenton Allen appeared on KevinMD podcast discussing how loans for doctors work and why purpose-built lending programs benefit the physician community.
- The Whole PhysiciancoreHealthcare provider community focused on physician wellness and professional development. Partnership provides The Whole Physician community members access to Doc2Doc financial products.
- PA PlatformcorePlatform providing resources and community for physician assistants. Doc2Doc partnership extends financial literacy resources and personal loans to PA community members.
- Passive Income MDcoreFinancial education platform for physicians focused on passive income and wealth building. Partnership provides Passive Income MD community access to Doc2Doc healthcare provider loans.
- St. George's University Alumni AssociationcoreAlumni network for St. George's University medical graduates. Doc2Doc partnership provides SGU alumni with access to financial products designed for healthcare professionals.
- Physician Side GigscorePlatform for physicians exploring additional income opportunities and career development. Partnership provides Physician Side Gigs community members access to Doc2Doc financial solutions.
- AOiA Emerging DO PlatformcorePlatform supporting emerging osteopathic physicians. Doc2Doc partnership provides AOiA community members access to purpose-built financial products for healthcare professionals.
Scale indicators5 records
Recent moves9 records
Expansion highlights3 records
Doc2Doc Lending competitors and assessment
Company assessmentDirect peers
- Panacea Financial: Direct competitor offering personal loans, student loan refinancing, and practice financing exclusively to physicians, dentists, and other healthcare professionals. Closely comparable business model: physician-led, career-stage underwriting, similar APR ranges, and overlapping target customers.
- Laurel Road: KeyBank-owned brand offering student loan refinancing, personal loans, and credit cards targeted at healthcare professionals (physicians, dentists, nurses). Same vertical-specialty lending model with healthcare-specific underwriting and overlapping customer base.
- Bankers Healthcare Group: Specialty lender focused on healthcare professionals with personal loans, business credit, and practice financing. Comparable in vertical focus on healthcare providers and in offering a hybrid personal/commercial credit product set.
Broad incumbents
- SoFi: Large direct-to-consumer lender offering personal loans, student loan refinancing, and credit cards, with a dedicated healthcare-professional vertical. Broader portfolio than Doc2Doc but overlapping borrower pool and product set.
- Upstart: AI-driven consumer lending marketplace offering personal loans up to $75K with non-FICO underwriting. Competes on underwriting sophistication and digital UX but does not specialize in healthcare-provider verticals.
- Best Egg: Personal-loan platform offering fixed-rate loans up to $50K to consumers. Competes for general personal-loan demand with similar APR ranges, but without healthcare-specific underwriting or community partnerships.
- LendingClub: Personal-loan marketplace lender offering installment loans to consumers. Competes in the same personal-loan TAM as Doc2Doc with similar APR ranges but generalist underwriting and no healthcare-vertical specialization.
- LightStream: Online personal-loan division of Truist offering installment loans to prime borrowers. Competes for high-credit healthcare-provider demand with lower APRs but lacks healthcare-specific underwriting and community channels.
Emerging players
- Splash Financial: Student-loan refinancing marketplace focused on healthcare professionals and high-income earners. Adjacent product (student loan refi) with overlapping target customers; emerging player with partial overlap to Doc2Doc's healthcare community ecosystem.
- Earnest: Online lender offering student loan refinancing and personal loans with sophisticated underwriting. Strong overlap with healthcare borrowers (especially those refinancing student debt) but no healthcare-specific vertical strategy.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Doc2Doc Lending social profiles
Digital presenceDoc2Doc Lending compliance and trust
Trust signalCompliance3 records
Doc2Doc Lending financial estimates
Financial estimateRevenue estimate
Valuation estimate
Doc2Doc Lending leadership team
Management profileNumber of profiles
Profiles10 records
Doc2Doc Lending funding detail
Funding detailFunding overview
Funding rounds9 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Doc2Doc Lending M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Doc2Doc Lending
What does Doc2Doc Lending do?
Doc2Doc Lending originates personal loans ranging from $5,000 to $100,000 exclusively to US-licensed healthcare professionals including physicians, dentists, nurses, CRNAs, PAs, anesthesiologist assistants, podiatrists, optometrists, pharmacists, and veterinarians. Loans are underwritten using a proprietary healthcare-specific model that weighs career stage, specialty, and income trajectory rather than relying solely on FICO, with no co-signer requirement, fixed APRs from 9.99% to 30.72%, terms of 60–84 months, and funding typically within seven business days. Loans are made available by DR Bank, member FDIC.
Is Doc2Doc Lending a public or private company?
Doc2Doc Lending is a private company. It is classified as venture growth investor backed and is currently operating.
When was Doc2Doc Lending founded?
Doc2Doc Lending was founded in 2017. It employs 11 to 50 people.
Where is Doc2Doc Lending based?
Doc2Doc Lending is headquartered in Atlanta, United States, in the North America region.
How does Doc2Doc Lending make money?
Three revenue lines are on record. Personal Loan Origination Fees are the primary driver. The others are interest Income and referral Program.
Who are Doc2Doc Lending's main competitors?
Direct peers on record are Panacea Financial, Laurel Road and Bankers Healthcare Group. Broad incumbents are SoFi, Upstart, Best Egg, LendingClub and LightStream. Emerging players are Splash Financial and Earnest.
Does Doc2Doc Lending have an API?
No public API is recorded for Doc2Doc Lending.
What industry is Doc2Doc Lending in?
Doc2Doc Lending's product category is Healthcare Professional Personal Lending. Its primary akta.pro industry code is FSAKAAAF, Medical & Healthcare Personal Loans (Unsecured Installment). Its NAICS code is 5222 and its SIC code is 6141.