Finishing residency or fellowship is a major milestone—but financially, it can also be one of the
most awkward moments in a physician’s career. You may already have:
● A signed employment contract
● A new city (or state) lined up
● A start date on the calendar
Yet your first paycheck, signing bonus, or benefits may still be weeks—or months—away.
This timing gap is common, and it’s exactly why physician-specific bridge loans exist.
Why the “Transition-to-Practice” Phase Is Financially Tricky Most physicians face at least one of these challenges when training ends:
● Relocation costs before income starts
● Delayed signing bonuses
● Insurance gaps while waiting for employer coverage
● Licensing, board exams, or credentialing fees
● Traditional personal loans aren’t designed for this phase. Physician bridge loans are.
What Is a Physician Transition-to-Practice Bridge Loan?
Through our partnership with Doc2Doc Lending, Physician Funding USA offers a loan designed
specifically for doctors finishing training and starting practice.
Program highlights include:
● Up to $50,000*
● Signed employment contract required
● First 6 months interest-only payments
● No prepayment penalties
● Built specifically for residents and fellows transitioning to attending roles
This structure gives physicians breathing room—without locking them into unnecessary
long-term debt.
What Can Physicians Use a Bridge Loan For?
Physicians commonly use these funds to cover:
● Moving and relocation expenses
● Temporary housing or deposits
● Insurance coverage (including COBRA)
● Exam, licensing, or credentialing costs
● Essential living expenses before income begins
Once your attending salary or signing bonus hits, you can pay down or fully repay the loan
without penalties.
Who Is This Best For?
This option is typically a good fit if you:
● Are finishing residency or fellowship
● Have a signed employment contract
● Are relocating or starting practice soon
● Need short-term flexibility before your first paycheck
If you’re also exploring a physician mortgage or relocation support, these solutions can work
together.
How Physician Funding USA Helps
At Physician Funding USA, we focus exclusively on financial solutions designed for
doctors—especially during career transitions.
We help physicians:
● Understand their short-term funding options
● Coordinate personal loans alongside physician mortgages
● Avoid unnecessary financial stress during major career moves
If you’re finishing training and want to understand whether a bridge loan makes sense for your
situation, we’re happy to walk through it with you.
Loans are subject to credit approval. Terms and eligibility may vary.