『Ep113: How Doctors Can Access Fair Loans and Build Successful Practices: Financial Freedom with Doc2Doc CEO Dr. Zwade Marshall』のカバーアート

Ep113: How Doctors Can Access Fair Loans and Build Successful Practices: Financial Freedom with Doc2Doc CEO Dr. Zwade Marshall

Ep113: How Doctors Can Access Fair Loans and Build Successful Practices: Financial Freedom with Doc2Doc CEO Dr. Zwade Marshall

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 In today's episode, Dr. Disha Spath sits down with Dr. Zwade Marshall—Emory- and Harvard-trained anesthesiologist, interventional pain specialist, CMO of Regenerative Spine and Pain Specialists, and co-founder/CEO of Doc2Doc Lending, a lending platform built by doctors for doctors. Dr. Marshall shares the real story behind why traditional banks misunderstand early-career physicians, how his own relocation struggle sparked Doc2Doc, and how their proprietary underwriting finally evaluates doctors based on potential, not current cash flow. Whether you're an early-career doctor trying to get approved for a loan, or an experienced physician thinking about launching your own practice, this episode is full of practical, real-world financial advice that medical training never covered. Key Topics Covered: 1. Why traditional banks undervalue physicians How big student loans and low early income distort our financial picture and why banks overlook our recession-proof earning potential. 2. How Doc2Doc Lending was born The moment Dr. Marshall realized the system was broken and how he built a lending model that evaluates physicians prospectively, not punitively. 3. What makes Doc2Doc underwriting different NPI verification, training stage, specialty, geography, cash-flow behaviors, and machine-learning insights that actually reflect physician realities. 4. When using leverage makes sense Why personal loans can be powerful tools for practice start-up costs, fix-and-flips, or bridging SBA delays and why they shouldn't be used for consumption. 5. Understanding loan types, rates, and flexibility How Doc2Doc's unsecured personal loans work, the monthly rate model, no-prepayment-penalty structure, and common use cases among physicians. 6. Credit scores, shame, and starting from scratch A discussion especially relevant for immigrants and young physicians with thin credit files plus why your early FICO score doesn't define your financial future. Listener Takeaways: How Doc2Doc evaluates doctors differently than banksWhy physicians are statistically low-risk borrowers (even with $300K+ in loans)What new attendings need to know about credit scores, debt, and loan approvalsAccessing fair and fast personal loans as a resident, fellow, or new attendingHow physicians can use lending to start a medical practiceThe most common mistakes new practice owners make and how to avoid themWhy private practice and cash-based care models are creating new physician freedom Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Dr. Zwade Marshall, CEO of Doc2Doc Lending This episode is brought to you by Doc2Doc Lending. Doc2Doc Lending offers personal loans up to $100,000 for doctors — designed to help you consolidate debt, invest in your goals, or get ahead financially. Founded by doctors for doctors, we make funding simple, transparent, and tailored to the medical community. Visit their website at: https://www.doc2doclending.com/personal-loans-for-physicians/?utm_source=FrugalPhysician&utm_medium=podcast&utm_campaign=FP This episode is brought to you by Black Swan Real Estate, led by physician-investor Dr. Elaine Stageberg. Dr. Stageberg, a Mayo Clinic–trained physician, together with her husband Nick, has spent years building Black Swan Real Estate into a diversified, large-scale portfolio now approaching half a billion dollars across 2,000 doors. Now, through their Secure Freedom Fund, a 10% fixed rate of return offering, you can invest alongside them. The Secure Freedom Fund offers institutional-quality real estate opportunities—designed to deliver strong cash flow, long-term growth, and remarkable tax advantages. This fund is uniquely structured so that each investor can tailor it to their own individual goals: a minimum investment of just $25,000, the ability to choose monthly cashflow distributions or to elect the compounding option for higher overall growth, the option to exit the fund on your timing, the flexibility to invest in your personal name, a trust, an LLC, or a retirement account, and so much more. If you're an accredited investor who's ready to diversify beyond Wall Street and invest with experienced, trust worthy operators who've been exactly where you are, visit SecureFreedomFund.com today to learn more. From there, you can review the slides, watch the webinar, and even a book a call directly 1:1 with Dr. Elaine Stageberg. That's SecureFreedomFund.com.
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