From practice acquisition to equipment financing, PeerSense arranges capital for healthcare providers. CRE on this desk is $10 million and up. Cash in about 35 percent. Working capital is B2B factoring from $20 million a month. Talk to PeerSense.
Medical, dental, and veterinary practices finance with SBA 7(a) for practice acquisition + partner buyouts ($50K to $5M, ~9.25%), SBA 504 for owner occupied medical office buildings (~5.80% fixed), equipment financing for imaging + dental chairs (5 to 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 to 10.25% | 10 yr |
| SBA 504 (Medical Office Building) | ~5.80% | 10 to 25 yr |
| Medical Equipment Financing | 5 to 9% | 3 to 7 yr |
| Working Capital | Factor 1.15 to 1.45 | 3 to 18 mo |
| Commercial RE Loan | 6.5 to 8% | 5 to 25 yr |
Every rate and term shown is what independent third party lenders in the PeerSense network offer, indicative as of April 27, 2026. These are not PeerSense rates and not a PeerSense facility: PeerSense sources capital through a curated network of commercial lenders and capital sources, and does not fund, provide, or approve financing. The funding lender sets its own pricing after full underwriting. Pricing depends on practitioner experience, payer mix, DSCR, and licensure.
Indicative only, as of April 27, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Why Healthcare Practices Pick PeerSense
Indicative as of October 1, 2026. Not a quote. Lenders set final pricing at underwriting.
Archetypes our SBA + equipment desk underwrites for medical, dental, and veterinary.
Search only. Not a growth lane. Standby seller note credited as equity.
Search only next to the growth lanes. Structured to capture Section 179 in the current tax year.
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
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
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Lender shortlists, practice acquisition guides, and specialty healthcare scenarios.
PeerSense covers the full commercial capital stack. These are indicative levels direct capital sources have been pricing across these programs as of October 1, 2026.
Focus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
B2B invoices from $20 million a month. Advance 80 to 95 percent of face.
10 year Non Recourse fixed, $10 million and up, fully assumable
$10 million and up. Cash in about 35 percent. Name the takeout first.
$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel financing is search only for $10 million and up, with cash in about 35 percent.
Non bank flexibility for commercial real estate at $10 million and up.
Search path. Not a growth lane on this desk.
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
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 to 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 to 15% of total project cost
Detailed plan with financial projections
From diagnostic imaging to treatment equipment, we arrange financing for all types of medical devices and systems. Equipment leasing and loans available for all credit profiles, including startup practices.
Equipment leasing offers terms that follow the file, with options across 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 arrange 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 is a search path for owner occupied commercial real estate. Bridge on this desk is $10 million and up. Cash in about 35 percent. Talk to PeerSense.
Search path for owner occupied properties
PeerSense does not set an equity floor. Talk to PeerSense.
You must occupy at least 51% of the building for your medical practice. The remaining space can be leased to other tenants.
$10 million and up. Name the takeout first.
There is no 5 day close. Talk to PeerSense.
Many healthcare providers use a bridge loan to acquire the property, then refinance into permanent SBA 504 or conventional financing once the practice is stabilized. Public floor on this desk is $10 million and up. Cash in about 35 percent. Talk to PeerSense.
Follows the book. Name the takeout first.
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 to 15% down, up to $5M.
Credit facilities and private credit for operators with 2+ locations.
Equipment after setup. There is no 5 day close.
Most major healthcare franchises are pre approved in the SBA Franchise Directory, which speeds up 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 to $5M | 9.25 to 10.25% | 10 to 25 yr | 90% |
| SBA 504 | Purchase medical office building, major equipment | $125K to $5.5M | ~5.80% | 10 to 25 yr | 90% |
| Equipment Financing | Imaging (MRI, CT), dental chairs, surgical equipment | $10M and up | 5 to 9% | 3 to 7 yr | 100% |
| Working Capital | Billing cycle gaps, payroll, supplies | $10 million and up | Factor 1.15 to 1.45 | 3 to 18 mo | N/A |
| Commercial RE Loan | Medical office building purchase or refinance | $10M to $25M | 6.5 to 8% | 5 to 25 yr | 80% |
| Practice Acquisition | Buying an existing medical/dental practice with goodwill | $10M and up | 9.25 to 10.25% | 10 yr | 90% |
PeerSense sources capital through a curated network of commercial lenders and capital sources. Rates are estimates. Actual terms vary by capital source.
Current market intelligence from capital sources, 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+ qualifies for the most competitive conventional medical practice loans
Transition plan for acquisitions: a clear patient retention strategy and seller transition period (3 to 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 to 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 curated network of 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.