Panacea Financial, a division of Primis Bank, deposit products:
FDIC-Insured – Backed by the full faith and credit of the U.S. Government

DSO DEPOSIT SERVICES

Simplify Finances Across Locations​

The first and only banking solution tailored to the needs of Dental Service Organizations. Simplify your treasury management, reduce costs, and maximize efficiency.

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FREE Zero Balance Accounts

FREE Integrated Treasury Solutions

No Fees1

Expert Banking Support

Why DSOs Trust Panacea

Trust

Panacea can help streamline and simplify your finances across multiple locations with banking solutions specifically designed for Dental Support Organizations (DSOs). Our services are built for growth, providing the flexibility, security, and scalability you need to manage your expanding practice with confidence.

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DSO Deposit Services Features

FREE Zero Balance Accounts (ZBA) With Sweeps
Optimize liquidity management with automated transfers.

FREE Integrated Treasury Solutions
ACH, wires, and remote deposits in one streamlined system.

Expert Banking Support
Dedicated relationship managers who understand your business and are accessible on your schedule.

No Fees1
Zero costs make budgeting easy.

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Additional Offerings

Merchant Processing
Get paid by your patients at all locations simply and easily.

On-Location Lockbox
Store patient payments safely and securely

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Resources

Dental Practice Loan Refinancing: What You Need to Know

Dental Practice Loan Refinancing: What You Need to Know

Written in collaboration with Head of Practice Solutions Brandon Finazzo and Healthcare Credit Manager Scott Aman As a dentist and practice owner, managing your practice’s...

Financing A Dental Practice: Frequently Asked Questions

Financing A Dental Practice: Frequently Asked Questions

According to the American Dental Association, 72.5% of dentists in private practice are owners. Becoming a practice owner means taking on a significant financial investment...

This is a picture of Dr. Adam Moeser and Rob Borcherding.

From Employee to Owner – Dr. Moeser’s Journey

When Dr. Adam Moeser, DVM, DACVIM, completed his school and training; he wasn’t planning to become a veterinary practice owner. In fact, the idea of...

See More »

1 Account management, ZBA accounts, ACH, wires, and remote deposit are all free with Panacea DSO Deposit Services. Merchant processing and lockboxes are separate services offered by Panacea Financial with applicable fees.

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Panacea Financial Holdings partners with Primis Bank, Member FDIC, to deliver banking services through its Panacea Financial Division.

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External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by Panacea Financial. Links are provided for informational purposes and should not be viewed as an endorsement
Fine Print

1. All personal loans have a $100 origination fee. To obtain a new loan with Panacea Financial, you must also have a Panacea checking account; there is no fee to open the account, a minimum deposit of $25 required, and there is no minimum balance. Other fees and charges may apply, see this link for full terms and conditions. The minimum APR is 10.638% (with all discounts) and the maximum APR is 17.850% (with no discounts). The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. We offer a 0.50% discount with auto-pay from a Panacea checking account and a 0.25% discount with auto-pay from a non-Panacea checking account. To check the rates and terms you qualify for, click “Get Started” and Panacea will conduct a soft credit pull to determine your possible rate and will not affect your credit score. Not all applicants qualify for the lowest rate or maximum loan amount; subject to credit approval. Total borrower maximum varies by stage of career and with credit score: In School maximum is between $1,000 – $10,000; In Training maximum is between $1,000 – $20,000; In Practice maximum is between $1,000 – $50,000. PRN Loans have no prepayment penalty or prepayment fee and may be repaid at any time after loan closing. The minimum repayment period is immediately after closing. The minimum and maximum term varies by employment status. In Practice and In Training PRN Personal Loans have repayment periods of 3, 5, or 7 years. In School PRN Personal Loans have repayment periods of 5 or 7 years. Example scenario of PRN In Training 5-year term loan: 14.176% fixed APR, $20,000 loan. APR includes $100 origination fee. Repayment is interest only monthly payments varying from $215.87 to $239.00 in years 1-3, fixed monthly payments of $965.22 in years 4 -5 (11 payments year 5), and one final fixed payment of $965.29. Total finance charges: $11,615.15. Panacea utilizes the Equifax credit bureau, with a FICO score minimum of 660 to qualify for a personal loan.

2. No payments during the first year. For a 5-year term, you make reduced payments in years 2 and 3 of the interest accrued in the first year, added to the monthly interest. Full amortization years 4 and 5. For a 7-year term, you make reduced payments in years 2 and 3 of the interest accrued in the first year, added to the monthly interest. Full amortization over years 4, 5, 6, and 7.

3. For a 3-year term, you make interest-only payments in years 1 and 2. Full amortization in year 3. For a 5-year term, you make interest-only payments in years 1, 2, and 3. Full amortization in years 4, and 5. For a 7-year term, you make interest-only payments in years 1, 2, 3, and 4. Full amortization in years 5, 6, and 7.

4. Interest-only payments during first 6 months of loan. Full amortization over remainder of loan.

5. Adverse Credit Event: two or more payments more than 30 days late, totaling more than $500, within the prior 6 months; accounts with a total outstanding balance greater than $1,000 that are 90 or more days delinquent as of the date of the credit report, or that have been placed in collection or charged off during the two years preceding the date of the credit report; default determination during the five years preceding the date of the credit report; bankruptcy discharge during the five years preceding the date of the credit report; repossession during the five years preceding the date of the credit report; foreclosure during the five years preceding the date of the credit report; charge-off/write-off of a federal student aid debt during the five years preceding the date of the credit report; wage garnishment during the five years preceding the date of the credit report; tax lien during the five years preceding the date of the credit report; consumer credit counseling within five years preceding the date of the credit report.

6. Panacea Legal Services partners with Panacea Financial Holdings to assist with administrative and consultative services. The delivery of legal services will be the exclusive responsibility of Panacea Legal Services. Panacea Legal Services does not have a relationship with Primis Bank. ATTORNEY ADVERTISING. PRIOR RESULTS DO NOT GUARANTEE A SIMILAR OUTCOME. ANY COMPLAINTS ABOUT THIS ADVERTISEMENT OR THE REPRESENTATION OF ANY LAWYER MAY BE DIRECTED TO THE SUPREME COURT COMMITTEE ON PROFESSIONAL CONDUCT, C/O CLERK, ARKANSAS SUPREME COURT, 625 MARSHALL STREET, LITTLE ROCK, ARKANSAS 72201.

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