Medical Office Loans for Healthcare Professionals.
From dental practices to outpatient surgical centers — finance your medical facility purchase or refinance with SBA, conventional, and specialized healthcare lending options.
What Type of Medical Facility Are You Financing?
Healthcare real estate is recession-resistant and highly favored by lenders. Each facility type has unique financing considerations.
Loan Options for Medical Properties
Medical real estate is a lender favorite. SBA programs are especially strong for owner-occupied practices.
The #1 choice for dentists, doctors, and vets buying their own building. TI and equipment can be included in the total project cost.
Combine real estate purchase, medical equipment, buildout, and working capital in one loan. Variable rate.
Fewer forms and faster than SBA. Best for established practices with strong financials and 20–25% down.
For investors buying multi-tenant MOBs as income properties. No tax returns needed. Based on property NOI.
What Lenders Evaluate for Medical Office Loans
How Medical Office Financing Works
Define Your Needs
Buying an existing MOB, building new, or purchasing a condo unit in a medical plaza? Share property details, practice financials, and buildout scope.
Submit to BestLoanUSA
Single application covering property, practice, and personal financials. No hard credit pull at this stage.
Advisor Review
Dedicated advisor evaluates whether SBA 504 (lowest down), SBA 7(a) (most flexible), or conventional (fastest) is the best path for your specific practice and property.
Lender Matching
We submit to lenders experienced in medical real estate. You receive competing term sheets with rates, TI coverage, and equipment financing options.
Underwriting & Appraisal
Lender orders a medical-use appraisal. Provide practice tax returns, P&L, bank statements, purchase contract, and buildout estimates.
Close & Build Out
Conventional: 30–45 days. SBA: 60–90 days. TI funds disbursed on draw schedule during construction. You move into your purpose-built medical space.
Ready to Own Your Medical Office?
No credit pull. No commitment. See what financing is available for your practice.
Frequently Asked Questions
Healthcare demand is non-cyclical. People need medical and dental care regardless of economic conditions. Medical tenants typically sign long-term leases (5–10+ years), and healthcare spending grows consistently. Lenders view medical office as one of the lowest-risk CRE asset types.
Yes. SBA 504 and 7(a) both allow tenant improvement costs to be rolled into the total project financing. This includes exam room construction, X-ray shielding, specialized plumbing, ADA compliance, and medical equipment installation. One loan covers everything.
SBA 504 is typically the best fit — 10% down, fixed rate for 20–25 years, and buildout costs included. You need 2+ years of practice history and the property must be at least 51% occupied by your practice. This is one of the most common SBA use cases.
Yes. Medical offices are appraised as special-purpose properties. The appraiser considers the cost of specialized buildout (which may not transfer to general office use), tenant creditworthiness, and the local healthcare market. Purpose-built medical spaces may appraise lower on a per-sqft basis than general office but command higher rents.
Yes. As long as your practice occupies 51%+ of the space (for SBA), you can lease the rest to complementary providers — specialists, therapists, labs, pharmacies. Rental income from co-tenants helps offset your mortgage and may be counted in underwriting.
Medical condos are financeable through SBA and conventional loans. The lender evaluates both your unit and the overall building's HOA structure, reserves, and common area maintenance. Some lenders specialize in medical condo financing.
