Medical Office Loans 


Starting a new medical office (or refinancing a current one) can be one of the most important financial decisions a doctor makes in their entire career. So, whether you're just a few years out of your residency, or a you're a doctor with decades of experience, you want a trusted financial partner who can help you get the financing you need to expand your practice.

In addition to traditional medical office loans for physicians, we also offer financing solutions for dentists, podiatrists, optometrists, and veterinarians. No matter what part of the healthcare industry you're in, at Commercial Real Estate Loans, Inc., we have the know-how to help doctors at all stages of their careers build a practice they can be proud of. 

Medical Office Loan Terms 

While specific loan terms can vary based on the individual customer, in general, our medical office loan terms include: 

  • Loan Size: $500,000+

  • Loan Purpose: Loan can be used for property acquisition or refinancing

  • Loan Term: 3, 5, 7 and 10-year fixed-rate terms

  • Amortization: 15, 20, 25 and 30-year options

  • Leverage: 75%- 90% LTV allowance

  • DSCR: 1.30 minimum DSCR

  • Credit Score Requirement: 660 minimum

SBA Loans for Medical Offices

For many doctors looking to start a practice, an SBA 7(a) loan could be a fantastic option. In addition to their other benefits, SBA 7a loans can be a great way for experienced doctors to buy out a partner or acquire a competitor's medical practice. However, it's important to keep in mind that these loans may not be available to doctors who don't have excellent credit, or doctors with large amounts of student debt, which could disqualify many younger doctors still carrying debt from medical school. The basic terms for SBA 7a financing include: 

  • Loan Size: $30,000 - $5 million (some exceptions for smaller loans may be granted)

  • Loan Purpose: Loan can be used for financing commercial real estate, equipment, and working capital

  • Loan Term:

    • Real Estate: Up to 25 years

    • Equipment: Up to 10 years

    • Working Capital: Up to 10 years

  • Credit Score Requirement: 660 minimum

  • Collateral: Additional collateral is often required

  • Documentation: Documentation for SBA 7a loans for medical practices is extensive, and includes:

    • Year-to-date balance sheet

    • Business tax returns (for the last 2 years)

    • Business licenses

    • Personal tax returns and resumes for 20%+ owners

    • Projected financial statements (1-3 years)

Get A Free Medical Office Property Loan Quote Today

For medical office loans from $500,000 and up, click the button below and fill out a short, secure form for a fast, easy, and free commercial loan quote from a commercial mortgage banker. You may also email us any time at