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✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026
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Published: ·Last updated: ·By Ed Freeman, Capital Advisor — PeerSense

What is the best financing for medical office at Up to 90% LTV?

Owner-occupant healthcare practitioners qualify for SBA 504 medical office acquisition financing at up to 90% LTV with 25-year fixed rates typically in the 6.5%–7.5% range. Physicians, dentists, veterinarians, and medical groups can purchase their practice space with as little as 10% equity, building wealth instead of paying triple-net rent to a landlord.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder

Prime: 6.75% 10-Yr Treasury: 4.25% Est. SBA 504 Range: 6.5% – 7.5% (SBA 504 fixed)as of Mar 19, 2026
Medical Office

SBA 504 Medical Office Acquisition

Healthcare practitioners: acquire your own medical office with SBA 504 financing. Up to 90% LTV, 25-year fixed rates typically 6.5%–7.5% (SBA 504), and only 10% borrower equity required.

Minimum 30-35% equity required. Physicians, dentists, veterinarians, physical therapists, and medical group practices purchasing office space they will occupy.

Discuss Your Medical Office DealCall (317) 452-6990
KEY TERMS

Deal Parameters at a Glance

LTV Target

Up to 90%

Est. Rate Range

6.5% – 7.5% (SBA 504 fixed)

Term

25 years fixed

Recourse

Full recourse (personal guarantee)

DSCR

1.15x minimum

Closing Speed

60-90 days

Min Loan Size

$500K

Loan Products

SBA 504

FIT ASSESSMENT

When Is This the Right Fit?

SBA 504 is ideal when you are a healthcare practitioner purchasing the building where you operate your practice. You must occupy at least 51% of the space (you can lease out the remainder). This works best for established practices with 2+ years of stable revenue looking to transition from leasing to ownership. The 25-year fixed rate and 90% LTV combination is unavailable through any other financing program for medical office. If you are an investor purchasing medical office to lease to third-party tenants, SBA 504 does not apply — consider CMBS or conventional financing instead.

Want the full program overview, current rate sheet, and underwriting matrix? See the SBA Loans guide →

ADVANTAGES

Key Benefits

Up to 90% LTV — only 10% equity for healthcare practitioners
25-year fixed rate provides payment certainty for the life of the loan
Build equity in your practice location instead of paying rent
Include specialized build-out costs (imaging, surgical suites) in the loan
Below-market rates compared to conventional medical office financing
ALTERNATIVES

Strategic Alternatives

Medical Office CMBS Refinance

If you are an investor (not owner-occupant) seeking non-recourse terms

Learn more

SBA 7(a) to 504 Refinance

If you already own medical office space with variable-rate SBA 7(a) debt

Learn more

Equipment Financing for Construction

If you need to finance medical equipment alongside the real estate

Learn more

Frequently Asked Questions

Yes. SBA 504 can finance both the real estate and long-life improvements including imaging suites, dental operatories, surgical centers, and specialized HVAC systems. This consolidates your real estate and build-out into a single 25-year fixed-rate loan.

See Related Rates by Program

PeerSense covers the full commercial capital stack. Rates and structures across our money pages — updated weekly.

CMBS Conduit

5.60–7.10%

10-yr non-recourse fixed, $5M–$500M+, fully assumable

See current rates

Bridge Loans

9.00–14.00%

12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV

See current rates

DSCR Investor

5.95–8.50%

30-yr fixed rental, qualifies on property cash flow

See current rates

Equipment Financing

5.50–12.00%

Loan, lease, SBA 504, vendor, captive — Section 179 eligible

See current rates

Hotel Financing

5.85–11.75%

CMBS + SBA 504 + bridge + PIP across all flags

See current rates

Mezzanine Debt

11.00–18.00%

Subordinate to senior, $1M–$50M, capital stack fill

See current rates

Private Credit

7.80–18.00%

Non-bank flexibility, unitranche, recap, transitional

See current rates

Invoice Factoring + ABL

0.5–3.5% / 30d

B2B receivables, trucking / staffing / construction / govt

See current rates

No-Doc CRE

7.50–11.50%

Limited-doc commercial, asset-based underwriting

See current rates

Connect with PeerSense — Direct Capital Advisory

PeerSense pre-underwrites every deal before presenting it to our institutional capital sources. With 500+ lender relationships and live market rate intelligence, we match your medical office deal with the right capital source — right now.

Scan Your Deal (30 sec)Tell Us About Your DealCall (317) 452-6990

No upfront retainer · Fee at closing only · Complimentary initial consultation

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated March 2026.

Disclaimer: The information on this page is provided for educational purposes only and does not constitute financial, legal, or investment advice. Rates, terms, and availability are subject to change based on market conditions, property characteristics, and borrower qualifications. The rate ranges cited reflect approximate market pricing as of March 2026 and may not reflect current conditions at the time of reading. PeerSense is a capital advisory firm, not a lender. We do not originate, fund, or service loans. All financing is provided by third-party lenders subject to their own underwriting criteria and approval processes. Borrowers should consult with qualified financial and legal professionals before making any financing decisions.