SBA Loans for Medical Practices
Physicians, specialists, and healthcare operators use SBA 7(a) and 504 loans for practice acquisitions, medical equipment, office buildings, and de novo startups. 3A Lending pre-approves healthcare deals in 24 hours.
Deep Dives
May 25, 2026 · 4 min read
SBA Loans for Medical Equipment: What Qualifies and How to Apply
MRI machines, CT scanners, surgical robots, and diagnostic equipment all qualify for SBA financing. Here's how to structure a medical equipment loan and what lenders evaluate.
May 25, 2026 · 4 min read
Starting a Medical Practice: How to Get SBA Financing
De novo medical practices can access SBA 7(a) startup loans for equipment, buildout, working capital, and first-year operations. Here's what new physician practices need to qualify.
May 25, 2026 · 4 min read
SBA 504 Loans for Medical Office Buildings: The Physician's Guide
Physicians who own their office building build wealth and control costs long-term. SBA 504 loans make it possible with just 10% down. Here's how medical office real estate financing works.
May 25, 2026 · 4 min read
SBA Loans for Specialty Medical Practices: Ophthalmology, Dermatology, Orthopedics
High-procedure specialty practices command premium valuations and qualify for larger SBA loans. Here's how ophthalmology, dermatology, orthopedic, and gastroenterology practices access SBA financing.
May 25, 2026 · 5 min read
How to Finance a Medical Practice Acquisition with SBA Loans
Buying a medical practice? SBA 7(a) is the standard vehicle for physician practice acquisitions. Here's how valuations work, what lenders evaluate, and how to structure the deal.
May 25, 2026 · 4 min read
24-Hour Pre-Approval for Medical Practice SBA Loans — How 3A Lending Works
Physicians and healthcare operators get a medical practice SBA loan pre-approval in 24 hours from 3A Lending. Here's the process, what you need, and what happens next.
Medical Practice SBA Loan FAQ
What types of medical practices qualify for SBA loans?
Primary care, specialty practices (cardiology, orthopedics, dermatology, ophthalmology), urgent care, behavioral health, physical therapy, imaging centers, and ambulatory surgery centers all qualify. The practice must be for-profit and meet SBA size standards — most independent practices qualify easily.
Can physicians use SBA loans to buy a medical practice?
Yes — SBA 7(a) is the primary financing vehicle for physician practice acquisitions. Typical structure: 85–90% SBA loan, 10% buyer equity, with optional seller carry note. Terms up to 10 years; rates at Prime plus 2.75–5.5%.
What credit score do physicians need for a medical practice SBA loan?
Most SBA lenders want 680+ personal FICO. Medical school debt is expected and treated appropriately — it does not disqualify you. Strong income relative to debt obligations is the key metric.
Can SBA loans finance medical equipment like MRI machines?
Yes. SBA 7(a) finances medical equipment of all types. SBA 504 is specifically suited for large, long-lived equipment (MRI, CT, radiation therapy) over $500K with useful lives of 10+ years, offering a fixed rate on the CDC tranche.
How long does medical practice SBA approval take?
3A Lending provides 24-hour pre-approval. Full approval and closing typically takes 45–60 days for practice acquisitions; 60–75 days when real estate is included.