Institutional private credit dedicated to business-purpose loans for U.S. physicians — a high-income, underserved borrower segment where specialized underwriting creates durable yield and disciplined capital deployment.
Healthcare is one of the largest and most resilient sectors of the U.S. economy — yet physician credit remains chronically underserved, creating an asymmetric opportunity for specialized private credit platforms with the right data and domain expertise.
The U.S. physician workforce comprises approximately 1.1 million physicians, with more than 35,000 new entrants annually — creating a large and continuously renewing base of high-income professionals with recurring lifetime borrowing needs spanning practice launch, expansion, acquisition, and consolidation.
Despite this demand, physician lending remains dramatically underpenetrated. Current private credit origination of $47B represents barely 12% of the estimated $400B market — a structural gap FinMD is uniquely positioned to address.
Loan origination, underwriting, and servicing are conducted through 4FiMD — FinMD’s direct lending subsidiary and the Fund’s Manager — powered by three integrated platform modules covering the full credit lifecycle.
Structured to deliver a fixed-income return profile with institutional credit discipline — Class A investors receive priority distributions before any residual economics flow to the Manager.
| Issuer | FinMD Income Credit Fund I LLC (Delaware) |
| Manager / Originator | 4FiMD LLC (Wyoming) |
| Target Raise | $50,000,000 |
| Minimum Investment | $250,000 per investor |
| Class A Preferred Return | 9.00% per annum |
| Return Type | Cumulative, non-compounded |
| Distributions | Quarterly, subject to available cash |
| Management Fee | 1.00% p.a. on Class A contributions |
| Investor Eligibility | Accredited Investors (Regulation D) |
| Transfer Restriction | 2-year lock-up period |
| Redemption (post lock-up) | 90-day notice · Quarterly installments |
| Fund Term | Perpetual |
| Tax Reporting | Partnership · Annual Schedule K-1s |
Our team combines decades of healthcare-specific lending, institutional capital markets, data science, and enterprise technology — including as co-founders of BankMD, the first digital bank dedicated to physicians in the United States.
The investor presentation is available immediately. The legal offering documents are accessible after a brief NDA. Once signed, the FinMD team will be notified and will follow up to coordinate access and answer any questions.
Our partners are available to walk you through the fund, answer questions, and assess fit for your portfolio. We welcome direct outreach from qualified investors and their advisors.
This Confidentiality Agreement (this “Agreement”) is entered into as of the date signed below (the “Effective Date”), by and between FinMD Income Credit Fund I LLC, a Delaware Limited Liability Company, together with its manager 4FiMD LLC, FinMD LLC, and their respective affiliates, subsidiaries, and assigns (collectively, the “FinMD Group” or “Disclosing Party”), and the undersigned individual or entity (“Recipient” or “Receiving Party”).
The Recipient wishes to receive and evaluate certain non-public, proprietary, and confidential information relating to FinMD Income Credit Fund I LLC (the “Fund”), including its offering documents, financial projections, investment strategy, platform methodology, and related materials, for the sole purpose of evaluating a potential investment in the Fund. This Agreement establishes the terms for the protection and limited use of such information and prevents unauthorized use, disclosure, or circumvention.
2.1 Confidential Information. “Confidential Information” means any and all non-public, proprietary, or confidential information disclosed by the FinMD Group to the Recipient, whether oral, written, visual, electronic, or in any other form, including without limitation: (a) the Confidential Offering Summary, LLC Operating Agreement, and Subscription Agreement for the Fund; (b) business plans, financial data, forecasts, projections, and capitalization information; (c) investment strategy, underwriting methodology, credit models, risk scoring systems, and portfolio management processes; (d) technical data, software, algorithms, systems, or processes, including the SCOPE™, PRISM™, and RADAR™ platform modules; (e) information concerning investors, borrowers, employees, contractors, customers, suppliers, or partners; and (f) any analyses, compilations, summaries, notes, or materials prepared by the Recipient that contain, reflect, or are derived from any of the foregoing.
Confidential Information includes all information disclosed by or on behalf of the FinMD Group, whether or not specifically identified as confidential at the time of disclosure.
Confidential Information does not include information the Recipient can demonstrate by competent written evidence: (a) was publicly available without breach of this Agreement; (b) was lawfully known to the Recipient before disclosure; (c) was independently developed without use of or reference to the Disclosing Party’s Confidential Information; or (d) was rightfully obtained from a third party not under a confidentiality obligation.
2.2 Contact. “Contact” means any individual or entity whose identity, role, or relationship is disclosed by the FinMD Group in connection with Confidential Information, including without limitation investors, lenders, borrowers, advisors, and strategic partners.
2.3 Affiliates. “Affiliates” means any entity that directly or indirectly controls, is controlled by, or is under common control with FinMD LLC or the Fund, including its subsidiaries, divisions, joint ventures, and affiliates operating under or associated with the FinMD brand.
(a) Use Limitation. The Recipient shall use Confidential Information solely to evaluate a potential investment in the Fund and for no other purpose.
(b) Standard of Care. The Recipient shall protect all Confidential Information with at least the same degree of care it uses for its own confidential information of a similar nature, but in no event less than reasonable care.
(c) Limited Disclosure. The Recipient shall disclose Confidential Information only to those of its employees, officers, directors, contractors, agents, or professional advisors who have a legitimate need to know for the permitted purpose and who are bound by confidentiality obligations no less restrictive than those herein.
(d) Responsibility. The Recipient shall be fully responsible for any breach of this Agreement by its representatives, affiliates, or agents.
(e) Trade Secret Duration. Obligations relating to trade secrets (as defined under applicable law, including the U.S. Defend Trade Secrets Act) shall remain in effect for so long as such information retains its status as a trade secret, notwithstanding any other time limitation in this Agreement.
The Recipient shall not, directly or indirectly, analyze, decompile, disassemble, copy, modify, translate, create derivative works from, or otherwise attempt to reverse engineer or recreate any part of the FinMD Group’s technology, systems, models, or processes, in whole or in part. All right, title, and interest in and to the Confidential Information shall remain the exclusive property of the FinMD Group. Any unauthorized derivative work or adaptation shall automatically vest in the FinMD Group, and the Recipient agrees to execute all documents necessary to confirm such ownership.
If the Recipient is required by law, regulation, subpoena, or court order to disclose any Confidential Information, it shall provide prompt written notice to the FinMD Group (unless legally prohibited) and cooperate in seeking a protective order or similar remedy. Disclosure shall be limited to the minimum information legally required. The Recipient shall not, without the FinMD Group’s prior written consent, disclose the existence or terms of this Agreement or any related discussions, use the FinMD Group’s or its Affiliates’ name, logo, or trademarks, or make any public statements regarding the Parties’ relationship, except as required by law.
Upon written request by the FinMD Group, or upon termination of discussions, the Recipient shall promptly return or destroy (at the FinMD Group’s election) all Confidential Information, including copies and extracts, and certify such return or destruction in writing. Archival backups maintained under routine retention policies may be retained but shall remain subject to this Agreement.
This Agreement shall remain in effect for three (3) years from the Effective Date. Notwithstanding the foregoing, confidentiality obligations relating to trade secrets shall survive perpetually, and Sections 4, 5, 6, 7, 8, and 9 shall survive according to their terms.
The Recipient acknowledges that any breach of this Agreement may cause immediate and irreparable harm for which monetary damages would be an inadequate remedy. Accordingly, the FinMD Group shall be entitled to seek injunctive or other equitable relief, without the necessity of posting bond, in addition to any other remedies available at law or in equity. The prevailing Party in any action or proceeding arising from or relating to this Agreement shall be entitled to recover its reasonable attorneys’ fees and costs. This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict-of-law principles. The Parties consent to the exclusive jurisdiction and venue of the state and federal courts located in the State of Delaware. Nothing in this Agreement limits disclosures protected by the Defend Trade Secrets Act, 18 U.S.C. § 1833(b).
All notices must be in writing and are deemed delivered upon personal delivery, confirmed email, or overnight courier to the Party’s last known business address. This Agreement constitutes the entire agreement between the Parties regarding its subject matter and supersedes all prior communications. Any amendment or waiver must be in writing. If any provision is held invalid or unenforceable, the remaining provisions shall remain in effect. No waiver shall be deemed continuing or a waiver of any other provision. Electronic signatures (including digital or typed signatures submitted via this form) shall be binding. Each Party has had the opportunity to consult counsel, and this Agreement shall not be construed against either Party as drafter. This Agreement is not an offer to sell or a solicitation to buy any security. Any securities offering is made solely pursuant to the Fund’s definitive offering documents.
By signing below, the Recipient agrees to be bound by all terms of this Agreement and confirms that all information provided is accurate.