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A convenient credit line for managing your expenses.

The costs of building a successful medical practice can be a major financial strain for physicians. SunTrust's Physician Line of Credit is designed to help both new and established physicians cover a wide range of personal expenses. You'll have quick and easy access to your funds through online banking, convenience checks and in your local branch or by phone.

  • Access funds as you need them
  • Minimum advance amount as low as $300
  • Interest-only payments1
  • No prepayment penalties
  • What can you use this Line of Credit for?
  • Line of Credit Amount
  • Interest Rate
  • Line Term
  • How to Apply
  • Access to Funds
  • Fees
  • This line of credit can be used by physicians and dentists in practice to cover a wide range of personal expenses.
  • $25,000 to $100,000
  • Prime + 3.25% to Prime + 5.25% (Currently 7.50% APR to 9.50% APR)2
  • One to four-year repayment terms
  • Apply online by phone
  • Through online banking, convenience checks and in your local branch or by phone
  • No prepayment penalties

Apply in 4 easy steps.

  • Step 1

    Apply Online or by Phone

    Apply in less than 15 minutes.

  • Step 2

    Preliminary Loan Decision

    If approved, a SunTrust representative will contact you within 24 hours to discuss the details and documents required.

  • Step 3

    Loan Processing

    SunTrust reviews your submitted documents, and will contact you with any additional questions.

  • Step 4

    Final Decision & Loan Closing

    Review the final approved terms and schedule a convenient time and day to send the loan documents for signing.

Important Information About These Products

1 Full principal amount as well as any unpaid, accrued interest is due at maturity date stated in credit agreement.

2 Prime Rate is The Wall Street Journal Prime Rate, which was 4.25% Annual Percentage Rate (APR) as of 6/15/17. The APR is variable, indexed to The Wall Street Journal Prime Rate plus a margin, and is subject to increase or decrease as the index increases or decreases.

SunTrust will never send unsolicited emails asking you to provide, update or verify personal or account information, such as passwords, Social Security numbers, PINS, credit or Debit Card numbers, or other confidential information.

Subject to standard credit approval. If you are self-employed, on commission, or a substantial portion of your income is from a source other than salary, you may need to provide us a copy of your last two years' Federal tax returns. Exclusions and limitations apply. Rates and/or program subject to change without notice. Physician Line of Credit is only available in AL, AR, FL, GA, MD, MS, NC, SC, TN, VA, DC, and WV.

Relationship pricing and ACH discounts are not available on lines of credit offered through SunTrust’s Physician Lending group.

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