Practice acquisition with real estate
Eligibility and structure depend on the complete borrower, property and transaction profile.
Home / Loan programs / Medical and Dental Property Loans
Commercial Financing
Medical and Dental Property Loans
Financing for eligible medical, dental and healthcare-oriented real estate, including owner-occupied facilities.
Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel
Who it is built for
Start with the actual use case.
Practices, physicians, dentists and investors financing specialized healthcare property.
Key decision
Separate real-estate value from business value, equipment and specialized build-out when sizing the request.
Medical office purchase
Eligibility and structure depend on the complete borrower, property and transaction profile.
Build-out or refinance
Eligibility and structure depend on the complete borrower, property and transaction profile.
The direct answer
How this program works.
Medical and dental premises can be financed as owner-occupied business real estate or leased investment property. Equipment and tenant improvements may need separate treatment.
Compare the alternative
Compare eligible SBA and conventional commercial paths based on property use and eligible project costs.
Illustrative example
A $1 million property and $200,000 equipment package are separate cost categories; confirm whether each belongs in the proposed facility.
Important boundaries
- Practice operations and property economics are distinct.
- Nevada commercial inquiries are stopped.
Source checked October 9, 2026: FDIC — Commercial real-estate lending framework (underwriting context, not a product offer) ↗. Published guidance is educational; lender examples do not establish RedZone availability.
Nevada commercial property notice
Commercial mortgage services advertised through this website are not offered for commercial real property located in Nevada unless the transaction is handled exclusively by an appropriately licensed or exempt Nevada mortgage company and a properly sponsored Nevada-licensed mortgage loan originator. Separate business-purpose financing may be available for qualifying residential investment properties.
General structure
What gets reviewed.
- Eligible property type and jurisdiction
- Sponsorship, experience, liquidity and global financial strength
- Property operating history, projections and debt-service capacity
- Clear business plan, capital stack and exit or permanent-financing strategy
Potential advantages
Where it can work.
- Access to bank, agency, government-guaranteed, private-credit and specialty channels
- Structures can match acquisition, construction, stabilization or long-term ownership
- Property and sponsor strategy are evaluated together
Limitations
Where it can break.
- Nevada commercial, land and non-dwelling property inquiries are not accepted through this website
- Loan terms depend on property, sponsorship, jurisdiction and lender appetite
- Third-party reports, recourse, deposits and closing timelines can vary widely
First-pass file map
Bring enough information to get a real answer.
The point is not to collect every document before a conversation. It is to avoid pricing a fantasy version of the transaction.
- 01Practice financials or tenant leases
- 02Property and equipment budget
- 03Guarantor and liquidity records
Program FAQs
Direct answers, clean qualifiers.
Who is Medical and Dental Property Loans designed for?
Practices, physicians, dentists and investors financing specialized healthcare property.
What can Medical and Dental Property Loans be used for?
Medical and Dental Property Loans may be considered for purchase, refinance, construction, sba, subject to the property, borrower, lender and jurisdiction.
What should I prepare for a Medical and Dental Property Loans review?
A useful first review commonly includes practice financials or tenant leases, property and equipment budget, guarantor and liquidity records. The final list depends on the selected lender and transaction.
What is the most important decision with Medical and Dental Property Loans?
Separate real-estate value from business value, equipment and specialized build-out when sizing the request.
Is Medical and Dental Property Loans automatically available if I meet general guidelines?
No. Every transaction remains subject to credit, property, documentation, lender, program and jurisdiction approval. Published information is educational, not a commitment to lend.
Related financing lanes
Compare before you commit.
Property and jurisdiction first
Find out whether this lane fits the real transaction.
Content updated October 9, 2026 · Source checks do not constitute lending/compliance approval · Product availability and guidelines require transaction-specific confirmation · This is not a commitment to lend.