From practice acquisition to equipment financing, PeerSense provides comprehensive capital solutions for healthcare providers. Whether you're buying an existing practice, expanding your clinic, or upgrading medical equipment, we have financing options designed for the healthcare industry.
Medical, dental, and veterinary practices finance with SBA 7(a) for practice acquisition + partner buyouts ($50K–$5M, ~9.25%), SBA 504 for owner-occupied medical office buildings (~5.80% fixed), equipment financing for imaging + dental chairs (5–9%, 100% LTV), and conventional CRE for medical office over $5M. Goodwill is 100% financeable on practice acquisitions.
— PeerSense Capital Advisory · Updated April 27, 2026
As of
| Program | Current Rate | Term |
|---|---|---|
| SBA 7(a) Practice Acquisition | 9.25–10.25% | 10 yr |
| SBA 504 (Medical Office Building) | ~5.80% | 10–25 yr |
| Medical Equipment Financing | 5–9% | 3–7 yr |
| Working Capital | Factor 1.15–1.45 | 3–18 mo |
| Commercial RE Loan | 6.5–8% | 5–25 yr |
Indicative May 2026 ranges. Pricing depends on practitioner experience, payer mix, DSCR, and licensure.
Why Healthcare Practices Pick PeerSense
Archetypes our SBA + equipment desk underwrites for medical, dental, and veterinary.
Standby seller note credited as equity — minimizes buyer cash injection
Structured to capture Section 179 / bonus depreciation in current tax year
Indicative of deal types our institutional capital advisory desk structures. Not a representation of completed transactions. Specific deal data available under NDA on request.
Updates instantly · Estimates only · Talk to PeerSense for committed pricing
Lender shortlists, practice-acquisition guides, and specialty healthcare scenarios.
PeerSense covers the full commercial capital stack. Rates and structures across our money pages — updated weekly.
Up to $5M acquisition / real estate / equipment, 10% down
10-yr non-recourse fixed, $5M–$500M+, fully assumable
12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
30-yr fixed rental, qualifies on property cash flow
Loan, lease, SBA 504, vendor, captive — Section 179 eligible
CMBS + SBA 504 + bridge + PIP across all flags
Subordinate to senior, $1M–$50M, capital stack fill
Non-bank flexibility, unitranche, recap, transitional
B2B receivables, trucking / staffing / construction / govt
Acquiring an established medical practice is one of the most common paths for healthcare providers. SBA 7(a) loans allow you to finance the purchase price, including goodwill, equipment, and working capital — typically with just 10–15% down.
Acquire a practice with existing patients, revenue history, and proven operations
Inherit experienced medical and administrative staff who know the practice
Start generating revenue from day one with established billing and operations
SBA 7(a) allows you to finance the intangible value of the practice
In some cases, the seller can provide a note for part of your down payment, reducing your out-of-pocket cash requirement. This is common in healthcare practice transitions.
Whether you're launching a de novo practice or expanding your existing operations, SBA financing provides the capital you need with favorable terms. From equipment to working capital, we help healthcare providers grow their practices.
Starting a new practice from scratch with equipment, leasehold improvements, and working capital
Expanding your existing practice to a new location with proven track record
Adding new specialty services or departments to your existing practice
Buying out a partner or bringing in a new partner to your practice
650+ preferred for SBA financing
Healthcare background or relevant credentials
10–15% of total project cost
Detailed plan with financial projections
From diagnostic imaging to treatment equipment, we provide financing for all types of medical devices and systems. Equipment leasing and loans available for all credit profiles — including startup practices.
Equipment leasing offers faster approval than traditional loans, with flexible terms and options for all credit profiles.
SBA loans can be used for medical equipment purchases with longer terms and lower rates than conventional equipment financing.
We work with equipment lenders who specialize in healthcare financing and can approve deals across the credit spectrum. Whether you're a startup practice or an established provider, we have equipment financing options available.
Medical practices face unique cash flow challenges due to insurance billing cycles and operational expenses. We provide working capital solutions designed specifically for healthcare providers.
Bridge the gap between providing services and receiving insurance reimbursements
Cover payroll during slow periods or when expanding your medical staff
Purchase inventory, pharmaceuticals, and medical supplies in bulk
Fund patient acquisition campaigns and practice growth initiatives
When you need capital quickly
For established practices with strong credit
Established practices with 2+ years in business, consistent revenue, and excellent credit profiles.
Owning your medical office building provides long-term stability and equity growth. SBA 504 loans offer the lowest down payment option for owner-occupied commercial real estate, while bridge loans provide fast funding for time-sensitive opportunities.
Best for owner-occupied properties
Lowest down payment for commercial real estate
You must occupy at least 51% of the building for your medical practice. The remaining space can be leased to other tenants.
Fast funding when you need to move quickly
Much faster than conventional financing
Many healthcare providers use a bridge loan to acquire the property quickly, then refinance into permanent SBA 504 or conventional financing once the practice is stabilized in the new location. This strategy allows you to secure the property without losing the opportunity while waiting for traditional financing.
Close in 2–4 weeks, secure the property
Refinance to SBA 504 for long-term fixed rate
Healthcare franchises offer proven business models with established brand recognition and operational support. PeerSense has extensive experience financing franchise healthcare operators across multiple concepts.
MedExpress, CareNow, NextCare
Thriveworks, LifeStance Health
ATI Physical Therapy, Fyzical
Visiting Angels, Home Instead
Massage Envy, European Wax Center
Any Lab Test Now, Health Street
Established systems, processes, and operational playbooks
Comprehensive training programs and ongoing operational support
National marketing and established brand awareness
Item 19 financial disclosures help with SBA approval
Most common path for franchise healthcare. 10–15% down, up to $5M.
Credit facilities and private credit for operators with 2+ locations.
Fast approval for medical equipment and furniture packages.
Most major healthcare franchises are pre-approved in the SBA Franchise Directory, which streamlines the approval process.
Rate estimates as of March 2026. Actual rates depend on borrower profile, collateral, and deal structure.
| Loan Type | Best For | Range | Est. Rate | Term | Max LTV |
|---|---|---|---|---|---|
| SBA 7(a)TOP PICK | Practice acquisition, partner buyout, startup costs | $50K–$5M | 9.25–10.25% | 10–25 yr | 90% |
| SBA 504 | Purchase medical office building, major equipment | $125K–$5.5M | ~5.80% | 10–25 yr | 90% |
| Equipment Financing | Imaging (MRI, CT), dental chairs, surgical equipment | $10K–$5M | 5–9% | 3–7 yr | 100% |
| Working Capital | Billing cycle gaps, payroll, supplies | $5K–$500K | Factor 1.15–1.45 | 3–18 mo | N/A |
| Commercial RE Loan | Medical office building purchase or refinance | $500K–$25M | 6.5–8% | 5–25 yr | 80% |
| Practice Acquisition | Buying an existing medical/dental practice with goodwill | $250K–$10M | 9.25–10.25% | 10 yr | 90% |
PeerSense is a capital connector only — not a lender. Rates are estimates; actual terms vary by lender.
Current market intelligence from our lender network — not generic advice.
Licensed practitioner with 3+ years experience — physicians, dentists, veterinarians, and optometrists with established track records get the best terms
Practice DSCR above 1.25x — consistent collections and manageable overhead demonstrate the practice can service new debt
Diversified payer mix — practices with a healthy mix of private insurance, Medicare, and self-pay are lower risk than those dependent on a single payer
Real estate ownership or long-term lease — owning your medical office building opens SBA 504 and conventional options; a 10+ year lease stabilizes the deal
Clean personal credit (680+) — required for SBA programs; 700+ unlocks the most competitive conventional medical practice loans
Transition plan for acquisitions — a clear patient retention strategy and seller transition period (3-12 months) significantly improves lender confidence
New practitioner with no clinical experience — completing residency alone is not enough — lenders want to see revenue-generating experience
Single-payer dependency — practices where 80%+ of revenue comes from one insurance contract or Medicare face reimbursement risk
Outstanding malpractice claims — unresolved litigation creates uncertainty that most lenders will not underwrite through
Declining patient volume — a practice with shrinking revenue is a red flag regardless of the practitioner buying it
No transition agreement — acquiring a practice where the selling physician leaves immediately risks patient attrition — lenders discount this heavily
Healthcare practice acquisitions are surging as baby-boomer practitioners retire. SBA 7(a) remains the dominant tool for practice buyouts under $5M, with goodwill financing up to 100% of practice value. Equipment financing for medical imaging (MRI, CT, ultrasound) has become faster and more competitive — many lenders now approve in 48 hours with equipment as sole collateral. The key differentiator in 2026: practices with diversified payer mixes and documented patient retention plans close 2x faster than those without.
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Complete guide to SBA 7(a) for practice acquisition
Finance medical imaging, dental, and surgical equipment
Structuring the purchase of a medical practice
Buy or refinance your medical office building
Bridge billing cycle gaps and cover operational costs
Instant qualification check on your healthcare deal
Common questions about financing medical practices, clinics, and health services
For SBA 7(a) loans, you typically need 10–15% down payment. This covers the purchase price, goodwill, equipment, and working capital. In some cases, a seller note can be used to reduce your out-of-pocket cash requirement. The exact down payment depends on the deal structure, your credit profile, and the lender's requirements.
PeerSense identifies the right capital source from our network of 500+ lenders, private equity firms, and institutional advisors — and makes the introduction. You get a straight assessment of where your deal fits and a direct connection to the source most likely to close it.
Whether you're acquiring a practice, expanding locations, or financing equipment, we'll connect you with capital sources that understand healthcare operations.