United Health Care Lending
作者：Joel Smith
1. Where does credit line come from? (immediate needs to finance 100M for 2013 eventual needs to finance 1B for 2018)
2. 200 dentists /doctors by 2013 year end
2.1. 200 per month
2.1.1. = dentists x patients monthly x applicable discount rate and amount financed
2.2. 30K patients per year
3. 10/23/12 Conversation
3.1. patient qualified
3.1.1. 3-5 days to get card
3.1.1.1. Dentist/Doctor processes through existing Merchant Account
3.1.1.1.1. Track Card Activity
3.1.1.1.2. Trigger ACH to UHL
4. Products
4.1. Wellness Program
4.1.1. Patient Portal Digital Wallet
4.1.1.1. 60% Cascading Payments (consumer payments)
4.1.1.2. 30% InHouse Finance
4.1.1.3. 10% Outside Financing
4.1.2. $300 initial payment
4.1.2.1. 10 payments of $95 each
4.1.2.1.1. monthly meds $20
4.1.3. Patient Portal POS
4.2. Procedure Financing
4.2.1. Credit Scores $1000 12mo.
4.2.1.1. > 680
4.2.1.1.1. Prime Decision / Rebrand
4.2.1.2. > 560 < 680
4.2.1.2.1. Lending Consultant / Rebrand
4.2.1.3. > 560 - Check Pay / Rebrand
4.2.1.3.1. 70%
4.2.1.3.2. 20% down
4.2.1.3.3. $800 Financed