United Medical Credit

What United Medical Credit does

United Medical Credit, operating today as United Credit, is a privately held fintech company founded in 2011 by Matthew Libman in Irvine, California. The company operates a multi-lender financing marketplace that connects consumers seeking personal loans with a network of third-party lenders, and simultaneously enrolls merchant partners (healthcare practices and retailers) who offer the company's financing at the point of sale. United Credit originated in elective medical financing, where it remains strongest, and rebranded to United Credit in 2022 to extend into consumer retail categories.

The platform's technology is an online lending marketplace comprising two main interfaces: a 24/7 self-serve consumer application portal (unitedcredit.com/start-an-application) and a dedicated merchant portal (portal.unitedcredit.com) for partner enrollment and application management. Products are organized into two vertical categories. Medical Loans cover cosmetic and plastic surgery, bariatric weight loss, fertility and IVF, dental, men's wellness, and miscellaneous medical procedures. Retail Loans cover veterinary and pet care, tutoring, tax relief, home improvement, fitness and outdoor equipment, and other retail purchases. No mobile app, public API, or proprietary underwriting/AI model is disclosed; loan decisioning sits with partner lenders.

United Credit monetizes primarily through transaction fees and interest spreads on loans originated via its platform, with terms varying by lender, credit profile, and loan amount. Go-to-market is dual-sided and direct: consumers apply online or by phone, while healthcare providers and retailers enroll as merchants through a dedicated portal and offer financing in-store or at checkout. The company operates only in the United States, targets SMB and consumer end-customers, and provides no publicly disclosed pricing tiers, revenue figures, or external funding history.

Name

United Medical Credit

Legal name

United Medical Credit

Website

https://unitedmedicalcredit.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

United Credit (formerly United Medical Credit) is a US multi-lender financing marketplace founded in 2011 that connects consumers seeking personal loans with a network of third-party lenders, and enrolls healthcare practices and retailers as merchant partners across medical and retail verticals.

Ownership category

akta.pro rank

Product category

Healthcare Consumer Lending

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Healthcare & Medical POS Financing (FSAKAFAI)

Keywords

• Consumer lending platform
• Medical financing
• Patient financing
• Lender marketplace
• Retail loans

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Loan origination and financing services: United Credit acts as a lending marketplace/connector, facilitating loans between consumers and lenders. The company earns revenue through transaction fees and interest spreads on loans originated through its platform. They work with multiple lenders to offer consumers a variety of financing options based on credit profiles.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

United Medical Credit (operating as United Credit) is a fintech lending marketplace that connects consumers seeking financing for medical and retail purchases with a network of multiple lender partners. The company offers medical loan categories (cosmetic surgery, bariatric, fertility/IVF, dental, men's wellness) and retail loan categories (veterinary, tutoring, tax relief, home improvement, fitness), and earns transaction fees on originated loans. It also enrolls healthcare providers and retailers as merchant partners who offer financing to their customers at point of sale.

Product overview

United Credit (formerly United Medical Credit) operates as a multi-lender financing marketplace platform that connects consumers seeking loans with a network of lenders offering various financing options. The company provides two main product categories: Medical Loans (covering cosmetic surgery, bariatric surgery, fertility/IVF, dental, men's wellness, and other medical procedures) and Retail Loans (including veterinary/pet care, tutoring services, tax relief, home improvement, fitness equipment, and other retail financing). The platform serves both consumers (through 24/7 online applications) and merchants (through enrollment and a dedicated merchant portal), functioning as a gateway that aggregates multiple lending options to improve approval rates and provide diverse financing choices for various credit profiles.

Differentiator

Problem solved

Functional benefit

Products and services

• Cosmetic & Plastic Surgery Loans

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Upstart: AI-driven lending marketplace partnering with banks and credit unions to originate personal loans. Comparable marketplace/aggregator model and multiple-lender strategy, though larger scale and broader use cases.
• SoFi: Direct-to-consumer personal loan provider with a marketplace-style offering across multiple consumer needs. Comparable personal-loan product but at significantly larger scale and balance-sheet funded rather than connector-only.
• Prosper: Established peer-to-peer/marketplace personal loan platform. Comparable multi-lender marketplace model serving consumer financing needs, but without United Credit's medical specialization.
• LendingClub: Large online personal-loans marketplace connecting consumers with multiple lending partners. Comparable marketplace model and consumer loan categories (debt consolidation, major purchases), though much broader than United Credit's medical-led focus.

Direct peers

• CareCredit: Synchrony Financial's patient financing division and the dominant direct competitor in healthcare/elective-procedure POS lending. Directly comparable product, customer base, and merchant channel to United Credit's medical loan business.
• PatientFi: Patient financing platform purpose-built for elective medical procedures, offered directly to practices as a POS solution. Directly competes with United Credit's medical merchant offering.
• LightStream: Truist-owned online lender offering unsecured personal loans for a wide range of uses including medical, dental, and home improvement. Closely comparable product breadth and direct-to-consumer online model.
• GreenSky: Point-of-sale lending platform historically focused on home improvement and healthcare, originated through bank partners. Comparable POS merchant-enrollment model and multi-lender origination structure.
• Alphaeon Credit: Specialty healthcare lender focused on aesthetic, dental, vision, and wellness procedures. Closely comparable to United Credit's elective medical focus with a multi-lender network approach.
• MedLoanFinancing: Specialty medical loan marketplace connecting patients with lenders for elective and cosmetic procedures. Directly comparable niche focus and connector business model to United Credit's medical vertical.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/medicalcredit
• Facebookfacebook.com/238264326198
• LinkedInlinkedin.com/company/united-medical-credit-inc-
• Instagraminstagram.com/united_credit1

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Medical Credit