WhatsApp

Medical Practice Loans: 2025 Physician Financing Guide

How doctors, dentists, and healthcare providers in the US and Canada access optimal financing for equipment, practice acquisition, and working capital. Specialized solutions for medical professionals.

Physician reviewing medical equipment in modern clinic

Unique Financing Challenges for Medical Practices

Healthcare providers face specialized financial hurdles that require industry-specific solutions:

Physician loan programs have special underwriting - Get pre-qualified before Q4 2025 rate adjustments.

Medical Practice Financing Solutions

Tailored funding options for private practices, dental offices, specialty clinics, and healthcare startups:

US Healthcare Financing

"Our client's orthopedic practice secured $1.2M at 6.5% fixed for new MRI equipment after banks offered only 8.9% with stricter terms."

  • SBA 7(a) loans for practice acquisitions (up to $5M)
  • Medical equipment financing (5-7 year terms)
  • Physician mortgage loans for practice real estate
  • Healthcare working capital lines of credit
  • Accounts receivable financing for insurance delays

Canada Healthcare Financing

"A Toronto dental clinic accessed $650K CAD through our healthcare lending partners when traditional banks required personal guarantees."

  • BDC healthcare practice loans
  • Medical equipment leasing (tax-advantaged)
  • Provincial healthcare business grants
  • Professional corporation financing
  • Healthcare-specific credit union programs

5 Critical Mistakes Healthcare Providers Make

1. Using personal credit for practice financing

Medical professionals should establish separate business credit profiles (DUNS number, healthcare vendor credit) to access better terms without personal liability.

2. Not leveraging equipment financing

Many lenders offer 100% financing for medical equipment with tax-deductible payments, preserving working capital.

3. Overlooking healthcare-specific lenders

Specialty medical lenders understand practice valuation models and offer better terms than conventional banks.

4. Waiting until cash flow crises occur

Establishing credit lines before need arises ensures availability when facing insurance reimbursement delays.

5. Ignoring practice valuation impacts

Lenders evaluate EBITDA multiples (typically 3-5x for medical practices) - optimize your financials before applying.

Get Our Medical Practice Fundability Blueprint

Download our 35-point checklist to optimize your healthcare practice's financing options in 2025-2026:

"This blueprint helped a pediatric practice increase their available credit from $250K to $1.8M in nine months while reducing their effective interest rate by 2.75%."

HIPAA-compliant submission. We never share your information.

Ready To Optimize Your Practice Financing?

Take the next step toward better terms for equipment, expansion, or acquisitions:

Free Resource

Medical Practice Fundability Blueprint (35-Points)

Get the Blueprint

Physician Financing Consultation

30-minute healthcare funding strategy session ($497 value)

Schedule MD Consultation
← Back to Industry Funding Hub