Capituro
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For medical and dental practices

Medical and Dental Practice Building Loans.

Refinance the building your practice runs from onto a 25 year amortization, with up to 90% combined financing and cash out available for the practice.

Get a QuoteSee typical terms
Program Snapshot
$1M
Minimum loan
$10M
Maximum loan
90%
Maximum combined financing
25 yr
Amortization
Dental, physician, and specialty practices
Rate and term refinance and cash out
For established practices
Program Overview

You built the practice here. Let the building help pay for it.

A practice isn't easy to move. The operatories, the plumbing, the imaging rooms, and the patients who know where you are all tie you to the building. That's why so many doctors end up owning it, and why that building often holds years of equity by the time they think about the loan on it.

Refinancing onto a 25 year amortization can lower the monthly payment and free up equity for the practice. Financing goes up to 90% combined, using a first loan and a second loan, with the rate on the second loan fixed long term.

These loans are for buildings your practice occupies, and we also review purchases of a building your practice will occupy. If you lease a medical building to other tenants, see our Office DSCR or Dialysis and Medical NNN programs.

What you get
Practice building loanTypical bank loan
Maximum financing
Up to 90% combined
Usually 65% to 75%
Long-term fixed rate
Second loan fixed long term
Usually fixed for about 5 years
Loan size
$1M to $10M
Capped by the bank's limits
Typical terms

What you can typically borrow

These are typical ranges, not a quote. Your terms depend on the building, your practice's financials, and how much equity you have.

Loan amount
$1,000,000 to $10,000,000
Loan purpose
Rate and term refinance and cash outPurchases also reviewed
Maximum financing
Up to 90% combinedA first loan and a second loan
Practice history
At least 2 years in operationOn a refinance
Rate
BlendedThe second loan is fixed long term
Amortization
25 yearsFully amortizing
Practice types
Dental, physician, and specialtyExisting buildings
Occupancy
Your practice occupies the buildingAt least 51% of an existing building
Income used
Your practice's financialsThe practice pays the rent that carries the loan
Practice size
Small and mid-size practicesSize limits apply
Credit
680 and up
Guaranty
Personal guarantyFrom owners of 20% or more
Borrower
Your practice or a company you ownFormed to hold the building
Available in
35 statesAL, AK, AR, CO, CT, DE, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MS, MO, MT, NE, NH, NM, OH, OK, PA, SC, TN, TX, VA, WA, WV, WI, WY, DC. Very rural areas within these states may be restricted.
Note: These are typical terms. Yours depend on the building and your practice's financials. These loans are subject to SBA eligibility rules and approval. These loans are for commercial buildings your practice occupies, not homes.
Does your practice own its building?
Send the address and a few numbers on your practice, and we'll come back with terms.
Get a Quote
Where it fits

Practices we like

General dentists

Practices that have owned their building for years, with equity built up.

Dental specialists

Orthodontic, endodontic, and oral surgery offices.

Physician groups

Primary care and specialty groups that occupy their own building.

Vision and hearing practices

Clinics with a long history in the same location.

Physical therapy and rehab

Clinics with treatment space and a steady patient base.

Partner-owned practices

Several doctors holding the building together.

Who this is for

Built for doctors who own their building

Get a Quote
1

You want a lower monthly payment

A longer amortization leaves more of the collections in the practice.

2

You have equity in the building

Take cash out for the expenses of running the practice.

3

Your practice carries other debt

Eligible business debt can sometimes be paid off in the same loan.

4

Your practice is established

These loans are built around practices with at least 2 years of operating history.

Practice Building Questions

Frequently asked

How can a dentist refinance the building their practice owns?+
Send the numbers on the building and the practice, along with your current loan. If your practice occupies the building and has been operating for at least 2 years, a refinance can go up to 90% combined financing on a 25 year amortization.
How much can a medical practice borrow on its building?+
Up to 90% combined, on loans from $1 million to $10 million.
Can a practice take cash out of its building?+
Yes, as long as the cash goes to eligible expenses of running the practice, like payroll, rent, supplies, or business debt. It can't go to personal expenses.
What does my existing loan need to look like?+
The loan being refinanced has to be at least 6 months old and mainly used for the building or major equipment, and the new payment on that debt has to be lower than what you pay today. Send the numbers on your current loan and we'll tell you where it stands.
The building is in a separate company from the practice. Does that work?+
Yes, and it's common. Many doctors hold the building in its own company and have the practice lease it. The practice is part of the loan too.
Can I rent part of the building to another practice?+
Yes. Your practice has to occupy at least 51% of an existing building, and you can lease the rest to other tenants. If other tenants lease most of the building, our Office DSCR program may fit better.
What if there are several partners?+
Every owner of 20% or more of the practice signs a personal guaranty, and every owner has to be a U.S. citizen or U.S. national.
Is this an SBA loan?+
Yes. It uses the SBA 504 structure: a first loan for about 50% of the value, an SBA-backed second for about 40%, and at least 10% equity from you.
What are the rates?+
The rate is a blend of the first loan and the second loan, and the second loan is fixed long term. Send the numbers for terms on your building.
Can I use this to buy a building for my practice?+
Yes, we also review purchases of a building your practice will occupy. Plan on as little as 10% down, or 15% to 20% for a practice under two years old or a single-purpose building.
What if I'm buying a practice along with the building?+
Send the numbers. Buying a practice is structured differently from buying or refinancing only the building, and we'll tell you what fits.
What if I have more equity and don't need 90%?+
Send the numbers anyway. We have other programs for owners with more equity, and we'll tell you what fits.
What credit score do I need?+
680 and up.
Where does Capituro offer these loans?+
In 35 states: Alabama, Alaska, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, and Wyoming, plus Washington, DC. Very rural areas within these states may be restricted. Send the address and we'll confirm whether your building fits.
Get Started

Does your practice own its building? Let's look at the loan.

Send the address and a few numbers on your practice. We'll come back with terms.

Step 1 of 5

What are you looking to do?

Other programs

Owner-user

Owner-User Commercial Loans

For any business that occupies its own building.

Commercial

Office DSCR

For medical and office buildings leased to other tenants.

Net lease

Dialysis and Medical NNN Loans

For medical buildings on net leases.