Medical Practice Loans Nationwide for Physicians, $10K to $5M
🩺 Financing Built for PhysiciansI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Medical practice loans fund the moment a bank won’t, buying a retiring doctor’s practice, buying into a group, opening your own, or financing equipment and build-out. Newer physician with student debt and family helping on the down payment? That’s exactly who SBA practice financing is built for. I match you to the lender that funds physicians.
Medical Practice Loans for Every Stage of Your Career
Whether you’re buying an established practice, buying into a group, opening your own, or growing the one you run, there’s a path built for it. Here’s what medical practice loans commonly cover for physicians at any stage.
Practice Acquisition
Buy an established practice or a retiring physician’s panel. 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.
Partner Buy-In
Fund a partnership buy-in or shareholder stake in a group practice, a common move as you build equity.
Equipment and EHR
Fund exam and procedure equipment, in-office diagnostics, EHR systems and the technology your practice runs on.
Build-Out and Relocation
Renovate, expand or relocate. Finance leasehold improvements, exam rooms, cabinetry and the full fit-out.
Working Capital
Cover payroll, supplies and the ramp-up months, or bridge insurance-reimbursement timing gaps that strain cash flow.
A New Physician Bought a Retiring Doctor’s Practice With Family on the Down Payment
A physician a few years out of residency found the right practice to buy from a retiring doctor. The numbers were strong, but the bank balked at the student debt and short work history, even with family ready to help with the down payment.
They called me. I matched them to an SBA 7(a) medical practice loan that underwrote the practice’s own cash flow and the borrower’s credit and credentials, rather than demanding years of business history. The family contribution strengthened the file. It closed, and the new owner stepped straight into a profitable practice.
That’s what the right match looks like for a physician. Don’t Beg the Bank! Get funded instead.
How I Fund Physicians, the Right Tool for Each Need
Medical practice 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, buying into or starting a medical practice, strong terms, often limited money down.
See SBA 7(a)Equipment Financing
Exam, procedure and diagnostic equipment plus EHR, with the equipment itself as collateral.
See equipment financingSBA 504 and Real Estate
Buy the building your practice operates in 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 medical practice.
See startup fundingWorking Capital
Cover payroll, supplies and the ramp-up months, plus insurance-reimbursement timing gaps.
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 a Medical Practice Loan
Medical practice loans are different from a generic business loan. Lenders know physician practices are stable and low-default, so a newer physician with strong credit and a solid practice to buy is a strong borrower, even without years of history. I qualify deals honestly.
✅ What helps you qualify
- ✔An MD or DO license and the plan to own, buy into or operate a practice.
- ✔Strong personal credit, the foundation for a new dentist with limited history.
- ✔For acquisition: a practice with solid, documented cash flow.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →SBA 7(a) is built for practice acquisition and buy-ins, often with 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.
- →Student debt alone does not disqualify you; the deal and your credit matter more.
Get Your Medical Practice Loan 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 medical practice loan 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 Medical Practice Loans From My Desk
A snapshot of the medical practice loans I match to lenders nationwide, physician by physician. Every dentist and practice is different, yours starts with a conversation.
Medical Practice Loans · SBA 7(a)
A new physician bought a retiring doctor’s practice with limited money down, underwritten on practice cash flow.
Partner Buy-In
An employed physician financed a buy-in to become a partner in an established group practice.
Equipment and EHR Upgrade
A practice financed new diagnostic equipment and an EHR system, preserving cash for payroll.
How I Match Medical Practice Loans to the Right Lender
Not every lender understands medical practices, and the physician-focused lenders compete hard for good practices. I work with many, so I match your medical practice loans to the lender that funds your stage and your goal, acquisition, buy-in, startup, equipment or real estate, and I review the options with you before you commit.
Here’s the reality for a physician. Buying a practice or buying into a group 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 physician. SBA-backed medical practice loans work differently: they underwrite the practice’s own cash flow and your credit and credentials, which is why a newer physician with strong credit can buy an established, profitable practice, frequently with limited money down. A family member 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 what you’re doing. Buying or starting a practice usually runs through an SBA 7(a) loan, and broader options live across the SBA loan programs. Exam, procedure and diagnostic equipment plus EHR systems are best matched to equipment financing, where the equipment is the collateral. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Opening de novo with little history 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 where you are in your medical career and what you’re trying to do. I’ll tell you honestly which of the medical practice loans fits, match you to the lender most likely to approve it, and stay with you through closing. Other healthcare providers, see my healthcare business loans hub, 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 medical practice loans?
Can a new physician with student debt get a practice loan?
How do I finance buying an existing medical practice?
Can I finance medical equipment separately?
How much can I borrow for a medical practice?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Physicians
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Medical practice lending has its own specialist lenders, and matching you to the right one, for acquisition, buy-in, 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 newer physician to wait years. I match you to medical practice loans built for where you are … buy or buy into 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. Medical practice 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.