Best Medical Practice Loans
for 2026
Launch, acquire, or expand. We analyzed the top lenders specializing in healthcare project financing and SBA loans.
At a Glance: The "Big 5"
The industry leader in "Project Financing" for new medical practices.
Read Review →Bank of America Practice Solutions
The Good
- Will lend based on *projected* income (no history needed)
- Interest-only payments during construction/startup phase
- Up to 100% financing (plus working capital)
Best For
The Bottom Line: If you are starting a practice from scratch (a "de novo" startup), BofA is the heavyweight champion. They understand the business model of medicine better than almost anyone and will bet on your future success.
Wells Fargo Practice Finance
The Good
- Deep expertise in valuing existing practices
- Can bundle real estate and practice acquisition
- Very competitive fixed rates for long terms
Best For
The Bottom Line: If you are buying a retiring doctor's practice, you want Wells Fargo on your team. Their valuation experts ensure the deal makes sense, and they can finance the whole package smoothly.
Live Oak Bank
The Good
- #1 SBA 7(a) lender in the country by volume
- Dedicated healthcare lending teams
- Streamlined digital closing process
Best For
The Bottom Line: Don't let the "SBA" label scare you. Live Oak has streamlined the government paperwork into a modern, digital art form. If you qualify for SBA financing, start here.
U.S. Bank
The Good
- Offers both conventional and SBA practice loans
- Great treasury management services for payroll/cash flow
- Single bank for business & personal needs
Best For
The Bottom Line: A fantastic all-rounder. If you want a bank that can handle your practice loan, your merchant services, your payroll, and your personal checking all under one roof, U.S. Bank is a strong choice.
Chase
The Good
- Extremely fast approvals for equipment purchases
- Excellent business credit cards to pair with loans
- Massive branch network for cash deposits
Best For
The Bottom Line: Need a new laser, ultrasound, or dental chair fast? Chase can often fund equipment faster than anyone else. It's great for smaller, specific needs rather than a huge acquisition.
Get Your Practice
Business Plan Ready
Lenders, especially for startups, will require a robust business plan. Our professionally designed template is built specifically for medical and dental practices — with all the sections banks and SBA lenders want to see.
Download Business Plan TemplateFree download · Word / Google Docs compatible · No email required
What's Inside the Template
Executive Summary
Mission, vision & overview
Company Description
Structure & location
Market Analysis
Demographics & competitors
Organization & Team
Staffing & advisors
Services & Revenue
Payer mix & procedures
Marketing Strategy
Patient acquisition plan
Financial Projections
3-year P&L & break-even
Funding Request
Loan details & use of funds
Includes lender tips, financial tables, and appendix checklist