You Run the Practice, We Handle the Financing!
Are you looking for the right space to set up or expand your practice? You spent years building your expertise, and every dollar you put into your practice should work just as hard. It’s time to stop renting and start saving thousands. Owning your medical office or condo means building equity and unlocking powerful tax advantages that can put thousands of dollars back in your pocket every year.
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Save Big on Taxes & Invest in Your Dreams!
Beyond building equity and eliminating rent, owning your medical office space comes with significant tax benefits that can substantially reduce your annual tax bill. Owning your space is not just a real estate decision. It is a tax strategy that keeps more money in your practice and in your pocket.
Here is what ownership puts back in your pocket:
Depreciation Deduction:
You can write off your building's value over 39 years, potentially saving thousands of dollars per year in taxes, depending on your tax bracket.
Mortgage Interest Deduction:
The interest you pay on your commercial loan is fully deductible as a business expense, reducing your taxable income from day one.
Property Tax Deduction:
County property taxes on your office become a deductible business expense each year.
Operating Expense Deductions:
Maintenance, HOA fees, insurance, repairs, and utilities you pay as the owner are all deductible, lowering your overall tax burden further.
Checklist for Medical Professional Commercial Loans
Getting ready before you apply saves you time. If you are applying for small business loans for a medical practice, physician assistant mortgage loans, or a home loan for doctors, the more prepared you are, the smoother your loan process will be.
Valid medical or
professional license
Two years of business and
personal tax returns
Recent profit and
loss statements
Year-to-date
balance sheet
Three to six months of
business bank statements
Personal financial
statement
Business plan or practice
financials (for startups)
Details on any
existing business debts
Lenders' Requirements For Medical Office Financing
Lenders know that every physician lending decision starts with risk. They look at several key factors before they say yes to loans for physicians. Meeting these standards helps you get better physician loan interest rates and terms.
Credit Score: A minimum score of 660 is usually required. A score of 700 or higher gives you the best shot at strong terms.- Debt Service Coverage Ratio (DSCR): Most lenders want to see a DSCR of at least 1.30. This means your income covers your loan payments with room to spare.
- Practice Revenue: Lenders want to see steady and growing income from your practice.
- Time in Business: A longer track record shows stability. New practices may need a strong business plan to support their application.
- Collateral: For real estate and SBA loans, lenders may ask for collateral to back the loan.
- Down Payment Readiness: Depending on the loan type, including physician mortgage lenders' programs, you may need to show funds ready for a down payment.
- Debt History: Lenders review your existing debts. High student or opt loan balances can sometimes affect SBA loan eligibility.
Recommended Loan Products
We offer financing options built specifically for medical professionals at every stage of ownership.
Medical Office Real Estate Loan
Get loans starting at $500,000 with fixed-rate terms of 3–10 years, amortization up to 30 years, and LTV up to 90%.
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SBA 7(a) Medical Practice Loan
A government-backed option worth $30,000 to $5 million with low down payments and repayment terms up to 25 years.
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Jumbo Loan for Medical Professionals
Finance high-value medical offices and specialty facilities beyond standard limits at fixed or adjustable rate.
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Conventional Loan for Medical Offices
Non-government-backed option for purchasing, refinancing, or expanding. Fixed or adjustable rates for practices and medical condos.
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Start Your Free Consultation Today!
We know medical professionals have unique financial needs. You have worked hard to get where you are. We make sure your financing keeps up with your goals. There are roughly 915,000 active physicians in the United States, and that number keeps growing. A growing field means more competition and more need for solid financing. Here is what you get when you work with us:
High Loan-to-Value (LTV): Finance up to 90% of your property value and keep more cash on hand for your patients and staff.
Long Repayment Terms: Choose from 3, 5, 7, or 10-year fixed-rate periods and amortization up to 30 years for manageable monthly payments.
Fast Pre-Qualification and Free Consultations: You can start your practice financing journey quickly and easily.
Immediate Funding: Upon approval, funds are disbursed on a schedule that supports your project. Our project consultant coordinates payments to vendors for you.
First-Rate Client Service: As a Division of Brazos National Bank, we operate with a personal, people-first approach. You are always more than just a number here.
Ongoing Support: As your practice grows, we’re here to help with lines of credit, equipment upgrades, and future expansion needs.
14-Day Approval: Say goodbye to waiting months for a response. We get your loans approved in as little as 2 weeks.
What Medical Professionals Are Saying
Real reviews from physicians and practitioners who got unlocked great tax advantages & build equity through our commercial medical loans!
"Buying my medical office condo was the best financial decision I made for my practice. The team had me approved in no time and the tax savings alone have been incredible."
Family Physician
"I had no idea how much I was leaving on the table by renting. Once I saw the numbers on depreciation and interest deductions, I moved fast. The process was smooth from start to finish."
Orthopedic Surgeon
"Owning my space has given me stability, significant tax savings every year, and the freedom to build the practice I always envisioned. I wish I had made this move sooner."
Pediatric Dentist
"The numbers made sense immediately and the loan process was faster than I expected. I closed in two weeks and I only wish I had done this sooner."
Urgent Care Physician
"I never thought owning a medical office was within reach for me. The team found the right loan for my situation and now I own my space and save thousands every year in taxes."
Physician Assistant
Frequently Asked Questions
Most programs require a minimum score of 660. A score of 700 or higher typically qualifies you for the best available terms and rates.
Yes. We offer financing for startup practices, including interest-only payment options. A strong business plan can support your application in place of a long track record.
Owning your space allows you to deduct depreciation, mortgage interest, property taxes, and operating expenses, potentially saving you thousands of dollars annually depending on your tax bracket.
Absolutely. Our team handles both commercial medical office loans and home loans for doctors, so you can address both needs with one trusted lender.
We finance medical office buildings, medical condos, multi-tenant healthcare facilities, and specialty practice spaces.
Buying a home rather than a practice?
Different product, different underwriting. Doctors, dentists, residents and fellows can finance a primary home with up to 100% financing and no traditional mortgage insurance.
