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FAQs

Physicians

 

1. What is the main benefit to using WMBC Medical Bancorp?

Patient financing will increase your volume an average of 20-30%. Top

2. What advantage does WMBC Medical Capital have over other finance companies?
We have relationships with all the major medical finance companies, as well as a full-service mortgage company for homeowners wishing to use their home's equity to finance more costly procedures. This enables us the widest variety of options for your patients and highest possibility of approval. In other words, WMBC Medical Capital is the only finance company that can offer patients both Secured and Unsecured financing.

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3. What happens if the patient does not pay?
Our financing is Non-recourse, meaning we bare all risk. In other words, if we have a debt collection later on, we do not come back to your practice for payment

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4. How much extra work will it be for my office staff?
Almost none. After handing your patient our brochure or directing them to our website, we handle all the loan documents and processing. Your staff will simply need to sign a couple of forms right before each funding to verify payments amounts and how you would like the payments disbursed, etc.

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5. When will we get paid?
We generally require approximately two weeks from start to finish. Once approved, the patient then must decide which term option they want and we will generate their loan documents accordingly and FedEx them to the patient (including prepaid return). Once the patient returns their loan docs to us, we must verify employment, income, etc. and Doctor will be funded in about 3-5 business days.

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6. How soon will we know if a patient is approved or declined?
Generally, you will know the status of each application via fax within 24 hours, depending on the time of day they apply, how many applications we are processing that day, which lender we submit them to, etc. The approval rate varies greatly depending on demographics, but keep in mind the patient must be currently employed with a minimum gross income of $2000 per month; have at least two years of credit history established; show no open derogatory accounts on their credit report; and bankruptcies must be discharged for three years. If they do not meet one or more of these requirements; they may apply with a co-applicant who does, but the patient has to remain on the loan.

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7. How do my patients apply?
For your patients' security, we no longer take applications over the phone. They may apply on this website, or fax the credit application that is on the back of the brochures in your office. (Please make sure they have fully completed the credit app. and it is clearly written before faxing it to us.)

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8. What fees are involved for our practice to use your service?
Competitive! We pay Doctor 100% of the approved loan amount. All associated lender/processing fees are absorbed by the provider.

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9. How do I enroll the practice?
You may apply on this website, or request a Registration Form be faxed or emailed to your office.

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