You should begin a dialogue about the financing you'll need to launch your career in medicine no later than the beginning of your final year of residency.  It is typically at this point when most residents start making decisions about starting their practices.

However, start early to build your relationship with a banker, ideally before you begin making decisions about your future practice.  Having this relationship with your banker established before you need to begin signing leases and financing equipment can expedite the financing process.

The loan approval process varies some with the amount of money borrowed and the lending bank.  Because SNB understands the business plan, income potential and cash flow of a physician just starting a practice, it is able to respond quickly to financing requests.