Marine Bank Consulting LogoThank you for all that you do to keep our friends, family, co-workers, customers, and pets healthy.

As a division of Marine Bank & Trust, a locally based community bank, MB Consulting understands that the well-being of our community relies on the fitness of its residents and strength of businesses like your practice. To show our appreciation, we’ve created a portfolio of professional consulting services that are completely customizable for your healthcare practice. Whatever your needs may be, we can make it happen.
Our highly experienced bankers know that balancing patient needs with rising healthcare costs, inefficient claims processes, and changing insurance plans creates as many opportunities as it does challenges. As your banking resource, we’ll take care of your banking, so you can take care of your patients.
Our in-depth industry expertise combined with our signature personalized service and innovative banking options – is just what the doctor ordered.

Consulting Services

Introductory Consultation
By objectively examining what your practice is doing to remain relevant and competitive, we can employ smart tools and global resources to create a well-informed strategy that will help you achieve your goals.
Revenue Cycle and Practice Management
Our experts will review and evaluate your practice’s processes and strategies and provide the guidance you need to improve efficiency, structure, and performance. Put our expertise to work and take your practice to the next level.
Branding & Positioning Analysis
Although your practice may have experienced modest growth due to patient referrals and personal networking, implementing a long-term plan for remarkable growth requires expert planning and execution. Our business development experts are standing by and ready to grow your practice.
Real Estate
Our knowledge of the local market enables us to excel when it comes to finding the right location for you. Whether you’re buying for the first time, looking to expand with multiple locations, or looking to relocate but aren’t sure where – allow us to focus on the search so you can focus on your patients.

Banking Services

Business Checking
Whether your practice is large, small – or somewhere in between, Marine Bank has a checking account that fits your unique needs.
Mobile Banking
With Marine Bank’s Mobile Banking app (available in Apple® iOS or Google® Android) you can bank with your smart phone or tablet, all you need is internet access and verified online login credentials.
Savings Accounts
We can provide your practice with a full range of accounts and services including money market accounts and certificates of deposit.
Physician Mortgages
Marine Bank offers physicians (MD, DO, DPM, DDS, or DMD) a preferred mortgage program that features:
• Financing up to $1,500,000 for your primary residence*
• 100% loan-to-value (LTV) up to $750,000*
• No private mortgage insurance (PMI) requirement
• Fixed and Adjustable Rate Mortgage (ARM) loans available**
*Terms and conditions apply.
**Offer is available on primary owner-occupied residences only and is subject to credit review and approval. **After the initial fixed term of the ARM period, borrower’s payment may increase substantially over the remaining term of the loan.
Commercial Lending
Whether your goal is to acquire practices, buy into a partnership, expand your practice, refinance practice debt, or simply improve your cash flow, Marine Bank can prescribe the perfect solution for each stage of your practice. We can help you with specialty financing for:
Practice Loans
• Financing up to $3 million
• 100% refinancing with flexible repayment terms
• Interest only repayment for up to 12 months*
• Competitive Interest Rates
Practice Lines of Credit
• Competitive variable rates based on Wall Street Prime
• Borrow working capital only when needed
Commercial Real Estate Mortgage Loan
• Customized long-term fixed and variable rate programs
• Industry leading rates
Purchase Equipment
• Up to 100% financing for equipment and related build-out costs
• Preserve working capital with no money down
• Flexible long term financing options
*Terms and conditions apply. All offers are subject to credit approval.
Treasury Management Solutions
Enhance funds availability and streamline your operating efficiency using wire transfer and ACH services, Direct Deposit, Lockbox, Positive Pay, and Remote Deposit Capture services.
  • Lockbox Services
    Save time spent collecting and processing payments and enjoy quicker availability of funds. Plus, you can also track client payments online.

  • Positive Pay
    Prevent the growing threat of check fraud with Positive Pay. Automate the process of comparing checks issued by your company to those being presented for payment. Items which do not match your register are reported to you as exceptions and you then decide if you want those checks paid or returned by Marine Bank.

  • ACH Positive Pay
    Reduce the risk of Automated Clearing House (ACH) fraud by reviewing and blocking unwanted transactions before they are deducted from your account. Unauthorized items are reported to you as exceptions and then you decide which transactions should be posted to your account.

  • Remote Deposit Capture
    Save time and money! With Remote Deposit Capture, you can make non-cash deposits right from your computer, 24/7 by using a secure, easy-to-use scanner.

  • Merchant Services
    Through our partnership with a national Merchant Services provider based in Vero Beach, we can help you manage your cash flow, process payments, and handle credit and debit card purchases. We offer the strength of a national partner and the knowledge of local representatives to assist you with your payment processing needs.

  • Online banking
    With our fast, simple and secure online banking, convenience is right at your fingertips. All you need is Internet access and you will have unlimited access to your account 24/7.