Healthcare Business Loans and Medical Practice Financing Nationwide
🩺 Financing for Healthcare ProvidersI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Healthcare business loans fund medical, dental, veterinary and specialty practices, buying a practice, opening your own, financing equipment, or owning your building. Banks look backward at history you may not have; the right healthcare lenders look at your practice and your credentials. I match you to them.
Healthcare Business Loans for Acquisition, Startup, Equipment and Real Estate
Healthcare practices are stable, high-collateral and low-default, which makes them strong borrowers, even for a newer provider. Here’s what healthcare business loans commonly fund across every specialty.
Practice Acquisition
Buy an established practice or a retiring provider’s book. SBA 7(a) is built for this, often with limited money down.
Startup and De Novo
Open your own practice from scratch, build-out, equipment, staffing and working capital to reach profitability.
Medical Equipment
Finance imaging, surgical, lab, dental and diagnostic equipment, with the equipment as collateral.
Real Estate and Build-Out
Own your building or renovate your space with long-term, fixed-rate SBA 504 and commercial real estate financing.
Working Capital and Payroll
Cover payroll, supplies and the ramp-up months, or bridge insurance-reimbursement timing gaps.
Expansion and Partner Buy-In
Add a location, fund a partnership buy-in, or grow a multi-site group with the right structure.
Healthcare Business Loans by Specialty
I finance more than 25 healthcare specialties nationwide. Find yours below for financing built around how your practice actually works.
Practices and Clinics
Specialty Care
Diagnostics and Labs
Senior and Home Care
A New Provider Bought a Practice the Bank Wouldn’t Touch
A healthcare provider a few years out of training found the right practice to buy from a retiring owner. The numbers were strong, but the bank balked at the short work history and education debt, even with family ready to help on the down payment.
They called me. I matched them to an SBA 7(a) practice loan that underwrote the practice’s own cash flow and the borrower’s credit and credentials, rather than demanding years of business history. It closed, and the new owner stepped straight into a profitable practice.
That’s what the right healthcare match looks like. Don’t Beg the Bank! Get funded instead.
The Right Loan Program for Each Healthcare Need
Healthcare business loans aren’t one product. The right structure depends on what you’re doing. I match you to the one that fits, tap any to explore it.
SBA 7(a) Loans
The primary vehicle for buying or starting a practice, strong terms, often limited money down.
See SBA 7(a)Equipment Financing
Imaging, surgical, lab and dental equipment, with the equipment itself as collateral.
See equipment financingSBA 504 and Real Estate
Own your medical building with long-term, fixed-rate commercial real estate financing.
See SBA 504Startup Funding
Opening de novo with little history? Honest paths for a brand-new healthcare practice.
See startup fundingWorking Capital
Cover payroll, supplies and reimbursement-timing gaps with fast operating capital.
See working capitalLine of Credit
Revolving capital for the ups and downs of running a practice, draw only what you need.
See lines of creditQualifying for Healthcare Business Loans
Healthcare lending is its own world. Lenders know practices are stable and low-default, so a provider with strong credit and a solid practice to buy is a strong borrower, even without years of history. I qualify deals honestly so neither of us wastes time.
✅ What helps you qualify
- ✔A professional license and the plan to own or operate a practice.
- ✔Strong personal credit, the foundation for a newer provider.
- ✔For acquisition: a practice with solid, documented cash flow.
- ✔A down payment or contribution, which family can help with.
💡 Straight talk
- →SBA 7(a) is built for practice acquisition and often needs limited money down.
- →Acquisition underwrites the practice’s cash flow, not just your work history.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →Education debt alone does not disqualify you; the deal and your credit matter more.
Get Your Healthcare Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your healthcare financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Healthcare Business Loans From My Desk
A snapshot of the healthcare business loans I match to lenders across the country. Every practice is different, yours starts with a conversation.
Healthcare Business Loans · Dental Acquisition
A new dentist bought a retiring owner’s practice with limited money down, underwritten on cash flow.
Imaging · Equipment
A radiology group financed an MRI and CT upgrade through equipment financing, preserving cash.
Veterinary · SBA 504 Real Estate
A vet bought the building their clinic operated in with a long-term, fixed-rate SBA 504 loan.
How I Match Healthcare Business Loans to the Right Lender
Not every lender understands healthcare, and the specialist lenders compete hard for good practices. I work with many, so I match your healthcare business loans to the lender that funds your specialty and your goal, acquisition, startup, equipment or real estate, and I review the options with you before you commit.
Here’s the reality for a healthcare provider. Buying a practice is often the single best financial move in your career, but a traditional bank looks backward at two years of tax returns you may not have as a newer provider. SBA-backed healthcare business loans work differently: they underwrite the practice’s own cash flow and your credit and credentials, which is why a newer provider with strong credit can buy an established, profitable practice, frequently with limited money down. Family helping with the down payment only strengthens the file. According to the U.S. Small Business Administration, the 7(a) program is designed precisely for this kind of business acquisition and expansion.
The right structure depends on your specialty and stage. Buying or starting a practice usually runs through an SBA 7(a) loan, with broader options across the SBA loan programs. Imaging, surgical, dental and lab equipment is best matched to equipment financing. To own your building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Opening de novo points to startup business funding, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me your specialty and what you’re trying to do. Whether you’re a dentist, physician, vet, or run a surgery center or senior-care facility, I’ll match you to the lender most likely to approve it, and stay with you through closing. Find your practice in the directory above, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What are healthcare business loans?
Can a new provider with education debt get a practice loan?
How do I finance buying an existing practice?
Can I finance medical equipment separately?
What healthcare practices do you finance?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Healthcare
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Healthcare lending has its own specialist lenders, and matching you to the right one, for acquisition, startup, equipment or real estate, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll tell a new provider to wait years. I match you to healthcare business loans built for where you are … buy a practice through SBA, equip it without draining cash, own the building, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, practice performance, collateral and structure. Healthcare business financing generally ranges from $10,000 to $5 million depending on the need. *Practice acquisition and startup are commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acquisition loans underwritten on the target practice’s cash flow rather than the borrower’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.