Medical Practice Financing: Buy-In, Buildout, and Equipment
Doctors get the best business loan rates in the country. Default rates for established medical practices are a fraction of the SMB average, and specialty healthcare lenders compete aggressively for the asset class.
Practice acquisition / buy-in
$100K–$5M. 100% financing common for established practices with 2+ years of CPA-prepared P&Ls. 10-year amortization typical. APR 6–9% for MDs, slightly higher for DDS/DVM/OD.
Buildout and expansion
Tenant improvements, new operatories, second-location capital. Specialty lenders treat this as a single project loan with a 7–10 year amort.
Medical equipment financing
Imaging, lasers, CBCT, EHR — all standard equipment finance with very competitive pricing for medical end-users. 60-month terms, 6–10% APR.
Working capital lines
Bank LOCs at prime + 1–3% for established practices. Specialty healthcare LOCs go higher but offer larger limits and faster approvals.
What kills the deal
Tax-return cash flow that doesn't match practice management software reports. Aggressive personal deductions that crush qualifying income. Have your CPA prepare an add-back schedule before applying.
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