Dental Debt Refinancing Success Story | Dr. Valerie M.- IMS Financial

My name is Dr. Valerie M., and I want to share how working with IMS Financial helped me refinance high-rate debt and improve the financial health of my dental practice.

I had been in contact with the IMS Financial team on and off for several years. We discussed financing options at different stages of my practice. When I reached out again, I was actively looking to refinance high-rate debt that had become difficult to manage.

At that point, the biggest challenge was my credit profile. I was carrying a large amount of debt, which had started to affect my credit score. I worried this might limit my options. Instead of turning me away, IMS Financial took the time to understand my situation and explain what steps I could take to move forward.

Together, we created a clear plan. I paid down a portion of my existing debt to improve my credit utilization. IMS Financial guided me through each step and monitored when the payments posted to my credit report. Once my FICO score improved, we resubmitted the application.

That strategy worked.

Shortly after, IMS Financial secured $160,000 in financing for me. This allowed me to refinance my high-rate debt into a more affordable structure. The new loan reduced financial pressure and helped stabilize my monthly cash flow.

What I appreciated most was the support throughout the process. I never felt rushed or judged. The team communicated clearly and made sure I understood every step before moving forward. That gave me confidence in the decision and peace of mind afterward.

If you’re a dentist dealing with high-rate debt and worried about your credit, I highly recommend speaking with IMS Financial. They don’t just look at your current situation—they help you build a path toward better financial stability.

— Dr. Valerie M.