Practice Solutions

Banking and lending solutions to support your practice

We will be there with you every step of the way as you grow and manage the practice you’ve always wanted.

Practice Solutions

Banking and lending solutions to support your practice

We will be there with you every step of the way as you grow and manage the practice you’ve always wanted.

A history of leading

UMB has been on the forefront of banking for more than 100 years providing support, stability and integrity to every client, every day.

Specialized in your practice

Dental. Medical. Optometry/Ophthalmology. Veterinary. Whatever the practice, we have the specialized industry expertise you need to achieve your goals.

A tailored approach

Our financial approach is based around one thing – your unique needs. We take a holistic approach to help your practice today and well into the future.

Consider us a partner in your practice

The needs of your practice are always going to change. With UMB, you’ll always have an advisor you can turn to. Someone who knows your business and your practice. Someone who can offer the right solutions and connections to other industry leaders when you need them, with the success of your practice in mind.

Unlock your buy-in or acquisition opportunities

Looking to purchase, buy-into or acquire a practice? Ready to bring on a new partner, open additional locations or invest in new systems or technology? We’re here to help. Our practice finance specialists will help you determine the best opportunities and we’ll work with you to coordinate the process.

Take your practice to the next level

You’re ready for the next chapter for your practice. With an experienced practice finance specialist, you’ll know how to plan and provide for your growth. From debt restructure to customized solutions designed around your unique needs, we’ll help you position your business for success now and well into the future.

A business credit card built for your practice

We know your practice’s needs are different, which is why we’ve established a preferred pricing group for the healthcare practices we serve. The wellness preferred pricing group combines the annual purchase volume of all registered participants to maximize your annual rebate. Your rebate percentage grows as annual preferred pricing group purchase volume increases1.

  • No annual fees
  • Wellness preferred pricing group rebate
  • Individual or consolidated billing options
  • Flexible business reporting packages to track and monitor expenses
  • Individualized card limits and controls
  • Visa liability waiver2
Connect today

Video: Thinking expanding or relocating?

Our specialists discuss some top considerations.

Expanding or moving

Video: Ready to acquire or buy-in?

Here’s what you need to know.

Build your practice

Video: Expanding your team?

Top tips for adding an associate.

What to plan for

Here are just a few of the financial solutions your dedicated practice finance specialist can customize for you.

  • Practice acquisitions
  • Buy-ins and buy-outs
  • Commercial real estate
  • Flexible payment plans
  • Working capital financing
  • Equipment loans
  • Expansion and construction loans
  • Debt and credit restructuring
  • Payroll solutions
  • Merchant services
  • Online account management
  • Wealth management services

Business lending

We can help provide the financing and capital solutions you need to take your business to the next level.

Learn more

Treasury services

We deliver a suite of treasury solutions from receivables and payables management, to fraud mitigation tools and payroll services.

Learn more

Keith + Associates Dentistry: A family success story

Hands down, the best part of being a banker is helping a practice owner grow their operations and plan for a healthy financial future. What’s even better? When you get the chance to do this with an entire family.

Dentistry

credit card strategies

The benefits of a commercial credit card for your practice

Many professional practice owners use their personal credit card for business purchases. While this may seem like a beneficial option from a rewards and convenience perspective, having a commercial credit card that is specifically designed to meet the needs of businesses should not be overlooked.

  1. Rebate is subject to certain qualifications. Failure to promptly pay the account charges when due may affect the rebate earned. Account must remain in good standing. UMB reserves the right to update rebate compensation levels based on a periodic evaluation of the Card Association’s pricing. See your UMB Commercial Card Agreement for complete rebate qualification details.
  2. Unauthorized or fraudulent activity must be reported to the number on the back of the card.