FDIC-Insured – Backed by the full faith and credit of the U.S. Government
The Financial Platform
Built for Doctors
Loans, banking, payments and contract review – built by doctors for every stage of your career.
Simplify Your Finances
Get up to $50K when you need it most.
Personal loans built for you
Get up to $50K when you need it most.
- Fixed rates
- No cosigner required9
- No prepayment penalties
- Reduced payments while in training4,5,6
Reach your savings goals fast.
Fee-free checking and savings
Reach your savings goals fast.
- Earn 3.15% APY on every dollar
- No minimum balance required
- Unlimited, free ATM use nationwide1,2
Simplify Your Student Loan.
Student loan refinancing
Simplify your Student Loan.
- Lower your monthly payments
- Simplify your loans
- Save thousands over time
One App To Manage It All
One App To
Manage It All
Access all your accounts, make transfers, deposit checks, pay bills, set up alerts, and track spending—anytime, anywhere, all in one place.
Grow Your Career & Practice
Bring your practice plans to life.
Customized practice loans
Bring your practice plans to life.
- Specialized credit structures
- Competitive pricing
- Experienced advice
Simplify your practice’s finances.
Fee-free checking and savings
Simplify your practice’s finances.
- Next-day remote deposits
- Merchant services
- Unlimited domestic wires
- Robust fraud protection1,2
No Surprise Fees.
Ever.
Your focus should be on caring for your patients, not navigating complicated fine print. That’s why our services are designed without hidden fees, unnecessary charges, or surprises.1,2,4
Your focus should be on caring for your patients, not navigating complicated fine print. That’s why our services are designed without hidden fees, unnecessary charges, or surprises.1,2,4
Maximize Your income.
Maximize your income.
- Standard Contract Review
- Compensation Review
- Contract Review + Negotiation on your behalf10
As seen on
About Us
We built Panacea because doctors deserve a financial platform that fits the arc of our careers: the training years, the first contract, the practice acquisition, the path to retirement. One platform, built around how doctors live and work.
Resources
The End of the SAVE Repayment Plan: What You Need to Know About Student Loans in 2026
Since 2019, the landscape for student loan borrowing and repayment has been a moving target. The termination of the federal Saving on a Valuable Education...
THE AMERICAN ASSOCIATION OF ORTHODONTISTS ENDORSES PANACEA FINANCIAL FOR MEMBER LENDING
Orthodontists gain exclusive .25% rate discount and zero origination fees on practice loans through the AAO’s first endorsed practice finance program June 3, 2026 –...
