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🔎 Deal in Focus: Doc2Doc Lending

Where Fintech Meets the White Coat: A Physician-Led Startup Reinventing Medical Lending

👋 The Big Picture

Every so often, a startup emerges with a customer so sharply defined that the product almost builds itself.
Doc2Doc Lending is one of those rare cases.

Built at the intersection of fintech and healthcare, Doc2Doc delivers personal loan solutions tailor-made for physicians, combining data-driven underwriting with a human understanding of what it means to wear the white coat.

Since launching, the company has originated over $136 million in loans to more than 3,500 medical professionals across the U.S. And now, Doc2Doc is inviting everyday investors to participate in its next growth phase through an SEC-qualified Regulation Crowdfunding (Reg CF) campaign hosted on StartEngine.

Let’s take a closer look at how this physician-founded platform addresses one of healthcare’s most overlooked financial challenges.

🧩 The Problem: Physicians in a Financial Paradox

Doctors are widely viewed as high earners — and they are, eventually. But their financial path is nonlinear.

Early-career physicians, particularly residents and fellows, often carry:

• $200,000+ in student debt

• Limited income during training

• Minimal traditional credit history

This creates what Doc2Doc calls a “financial paradox” — where individuals with statistically strong long-term creditworthiness are penalized by traditional lending models.

The result?
Physicians face excessive interest rates, limited refinancing options, and financial stress that can contribute to burnout. According to a JAMA study, nearly 50% of physicians report symptoms of burnout, many of which are tied to economic uncertainty.

Doc2Doc’s founders lived this disconnect firsthand and decided not to wait for banks to evolve.

💡 The Doc2Doc Solution

Doc2Doc is a direct lending platform purpose-built for physicians, offering personal loans with a tech-enabled, human-informed approach.

1. Physician-Centric Underwriting

Rather than rely solely on FICO scores or traditional debt-to-income ratios, Doc2Doc uses proprietary models that account for:

• Specialty

• Career stage (med school, residency, attending)

• Historical performance of similar borrower cohorts

2. Vertical Focus

By serving only medical professionals, Doc2Doc has developed:

• Partnerships with over 50+ medical associations

• Precision-targeted customer acquisition funnels

• A high-retention, high-LTV user base

3. Scalable Infrastructure

The company controls both loan origination and servicing, enabling:

• Seamless borrower experience

• Multiple revenue streams (e.g. interest, servicing fees)

• Product adaptability as needs evolve

📊 Performance Snapshot (Factual – not predictive)

Note: These figures reflect publicly disclosed information and are not guarantees of future performance. Please review the offering documents on the StartEngine page for full details and risk disclosures.

🌍 Market Context

While the U.S. healthcare industry is a $4.5 trillion enterprise, individual doctors are often financially underserved.

Doc2Doc estimates a $16 billion+ addressable market in personal lending across:

• Physicians

• Dentists

• Optometrists

• Pharmacists

• Veterinarians

This market is expected to grow as Doc2Doc expands into adjacent professional categories, supported by strong demographic trends and persistent credit frictions.

Their thesis echoes the early days of SoFi: build long-term financial relationships with high-earning, low-default populations.

🔁 Strategic Distribution Advantage

Doc2Doc isn’t chasing doctors with generic Facebook ads. Instead, it partners with trusted communities, including:

• The White Coat Investor

• Passive Income MD

• State and specialty medical societies

By embedding into the professional networks where doctors already congregate, Doc2Doc enhances credibility and reduces customer acquisition costs.

🧬 The Founding Team

The Doc2Doc founding team brings clinical credibility and fintech fluency:

• Dr. Zwade Marshall, Co-Founder & CEO: A Harvard- and Emory-trained anesthesiologist and interventional pain specialist, Dr. Marshall splits his time between clinical practice and leadership at the startup.

• Dr. Kenton Allen, Co-Founder & Board Member: An active anesthesiologist and physician advocate who helped shape Doc2Doc’s early roadmap.

• Dr. Darin Vercillo, Board Member: A veteran of multiple physician-led ventures, Vercillo has served as both CEO and CMO in healthcare startups and lends operational expertise.

🗺 Product Development Roadmap

Doc2Doc has outlined several forward-looking initiatives, including:

• Expansion into new verticals: dentistry, pharmacy, optometry, veterinary

• Enhanced automation for approvals and servicing

• New product concepts: financial planning tools, insurance, practice loans

💬 What Doctors Are Saying

Disclaimer: This testimonial reflects one user’s experience and may not be representative of all customers. It is not a guarantee of future performance.

🧠 Key Considerations for Investors

⚠ Risks

• Lending depends on consistent access to capital

• Interest rate shifts may impact profitability

• Competition in personal lending remains high

• Changes in physician employment trends (e.g., shift to salaried models)

✅ Strengths

• Strong niche positioning with low customer churn

• Founder-market fit: doctor-built for doctors

• Institutional-grade infrastructure and capital support

• $100M forward flow facility indicates third-party confidence (not a guarantee)

🌐 Why This Campaign Matters

Doc2Doc represents a growing class of post-traction, revenue-generating startups turning to Reg CF — not because they have to, but because they want to.

With an operating history, measurable traction, and strategic backing, this isn’t a seed-stage “idea.” It’s a scaling company using equity crowdfunding to deepen engagement with its target users: doctors.

📎 Explore Further

For full details, investor disclosures, and offering documents:
👉 View the Doc2Doc Reg CF campaign on StartEngine

📬 Disclaimer (Required Under Reg CF):

This communication is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities. All investments must be made through Doc2Doc’s official Regulation Crowdfunding offering page on StartEngine, a registered funding portal. Investing in startups involves risk, including the loss of your entire investment. Please review all offering materials and risk factors before investing.

If you have questions about the raise or wish to learn more, please participate in the discussion board on StartEngine. Doc2Doc representatives respond there publicly in compliance with SEC regulations.

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The Signals. The Stories. The Startup Intel You Won’t Find Elsewhere.:

• • 1 just-launched Reg CF, Reg A, or Reg D campaign
• • 1 closing-soon raise — with momentum, context, and caveats
• • Clear breakdowns, red flags, standout metrics
• • No hype. Just the info serious investors want