Tap to get financing
Nasdaq: JNVRCommercial Real Estate Loans
Loan Options
Permanent FinancingLoans Under $1MBridge LoansMezzanine FinancingConstruction LoansUSDA 538 Loan ProgramLife Company LoansSBA 7(a) LoansSBA 504 Loan ProgramFannie Mae LoansFreddie Mac LoansCMBS LoansHUD Multifamily LoansFix and Flip LoansHUD 223(f) LoansHUD 221(d)(4) LoansHUD 223(a)(7) LoansHUD 241(a) LoansHUD 232 LoansHUD 232/223(f) LoansHUD 232 LEAN LoansHUD 232/223(a)(7) Loans
Property Types
All Property TypesRetailOfficeIndustrialApartmentsSelf StorageHotelLandChurchSchoolAuto DealershipAuto Repair ShopCar WashGas StationHealthcareMedical OfficeDental OfficeVeterinaryFitness CenterBowling AlleyConvenience StoreDay Care CenterGolf CourseAnchored Strip CenterRestaurantMarinaWarehouseFuneral Home
Resources
BlogCurrent Mortgage RatesForms and TemplatesCommercial Property for SaleCommercial MLS GuideGlossaryVideo LibraryApply OnlineHow to Get a CRE LoanFrequently Asked Questions
Calculators
Commercial Mortgage CalculatorCap Rate CalculatorNOI CalculatorDSCR CalculatorLTV CalculatorLTC CalculatorDebt Yield CalculatorYield Maintenance CalculatorInternal Rate of Return Calculator
About Us
About UsLeadershipTeamContactWe're Hiring
(561) 556-7778 Get financing →
Interest Rates

Today’s rates for a wide range of commercial property and loan types.
Check Today's Rates →

Newly Published
Aug 23 at Commercial Real Estate Loans
New York’s Industrial Properties: Reviewing H1 2023
Aug 2 at Commercial Real Estate Loans
How to Sell a Commercial Property in September 2023
Jun 30 at Commercial Real Estate Loans
The Comprehensive Guide to Industrial Property Financing in 2023
Explore the Janover Network
Sep 29 at SBA 504 Loans
SBA 504 Loans for Preschools and Daycare Centers
Sep 26 at HUD Loans
What Is Fair Market Rent? 2024 FMR Calculator by ZIP
Sep 25 at Multifamily Loans
Multifamily Minute Reader Reflections: How Do You Communicate Rent Increases?
Was This Article Helpful?
Last updated on Feb 1, 2023
2 min read

Medical Office Commerical Loans

Commercial real estate loans for medical offices typically start at $500,000 and offer up to 90% LTV, while SBA loans start at $30,000 and offer amortizations of up to 25 years.

In this article:
  1. Medical Office Commercial Loan Terms 
  2. SBA Loans for Medical Offices
  3. Get Your Free Medical Office Property Loan Quote Today
  4. Get Financing
Start Your Application and Unlock the Power of Choice Experience expert guidance, competitive options, and unparalleled industry expertise.
Click Here to Get Quotes →
$5.6M offered by a Bank at 6.1%$1.2M offered by a Bank at 6.0%$2M offered by an Agency at 5.6%$1.4M offered by a Credit Union at 6.1%Click Here to Get Quotes!

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, we have the know-how to help doctors at all stages of their careers build a practice they can be proud of. 

Medical Office Commercial 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 Your Free Medical Office Property Loan Quote Today

      It's simple to get your free quote. Fill in the form below — we'll get to work finding the best options for your property.

    In this article:
    1. Medical Office Commercial Loan Terms 
    2. SBA Loans for Medical Offices
    3. Get Your Free Medical Office Property Loan Quote Today
    4. Get Financing

Getting commercial property financing should be easy.⁠ Now it is.

Click below for a free, no obligation quote and to learn more about your loan options.

Get financing →
Janover logo

Commercial Real Estate Loans is a Janover company. Please visit some of our family of sites at: Multifamily Loans, Multifamily Today, Commercial Real Estate Loans, SBA7a Loans, CMBS Loans, Apartment Loans, HUD Loans, HUD 221d4 Loan, HUD 232 Loan, HUD 223f Loan, HUD 223a7 Loan, SBA Express Loans, SBA 504 Loans, and OpportunityZones Help.

Janover Inc.

6401 Congress Ave
Ste 250
Boca Raton FL 33487
(561) 556-7778 

hello@commercialrealestate.loans

Commercial Real Estate Loans

Eligible Property Types
Mortgage Rates
Commercial Loan Calculator
Glossary

Site Information

Privacy Policy
Terms of Use

This website is owned by a company that offers business advice, information and other services related to multifamily, commercial real estate, and business financing. We have no affiliation with any government agency and are not a lender. We are a technology company that uses software and experience to bring lenders and borrowers together. By using this website, you agree to our use of cookies, our Terms of Use and our Privacy Policy. We use cookies to provide you with a great experience and to help our website run effectively.

Freddie Mac® and Optigo® are registered trademarks of Freddie Mac. Fannie Mae® is a registered trademark of Fannie Mae. We are not affiliated with the Department of Housing and Urban Development (HUD), Federal Housing Administration (FHA), Freddie Mac or Fannie Mae.

This website utilizes artificial intelligence technologies to auto-generate responses, which have limitations in accuracy and appropriateness. Users should not rely upon AI-generated content for definitive advice and instead should confirm facts or consult professionals regarding any personal, legal, financial or other matters. The website owner is not responsible for damages allegedly arising from use of this website's AI.

Copyright © 2023 Janover Inc. All rights reserved.