Fast & Easy Loans for Medical Offices
Medical Office Loans
Medical office loans can be used by both investors and owner-operators looking to acquire, refinance, build, or reposition medical office assets (both stabilized and transitional.
940+
Loans
854+
Clients
$4.5B+
Funded Loans
Loan Features & Parameters
Medical Office Loans
Medical office loans can be used by both investors and owner-operators looking to acquire, refinance, build, or reposition medical office assets (both stabilized and transitional).
The asset has to be used for patient care, diagnostics, and procedure-based services. Many deals also include interior buildouts tailored to clinical use.
We fund medical office loans in the $2M to $50M+ category. Most transactions fall within the 60%–75% LTV range and close in as little as 3–5 weeks.
Loan Amount: $2 Million to $50 Million.
Leverage: 65 to 75% LTV.
Amortization: 3, 5, 10, 15, and 25 years.
Loan Terms: 3, 5, 10, and 15 years fixed rates.
Credit Flexibility: High (Asset-Based)
Interest Rates start from 5.99%
Funds allocation within 2 weeks
Lending Areas: Nationwide
Our Recent Closings
Retail Humana Medical Office
New Dayton OH | $1,500,000
Refinance Medical Office Building
Plano, TX | $2,000,000
Medical Office Building
Mt. Pleasant, SC | $3,200,000
A Closer Look at the Landscape
Types of Medical Office Properties That Qualify
We provide financing across a broad spectrum of medical assets, ensuring that both general practitioners and specialists have access to the capital they need.
Single-tenant medical buildings leased to established providers on long-term agreements.
Multi-tenant medical office complexes.
Urgent care and specialty clinics such as dermatology and orthopedics.
Mixed-use medical office buildings with ancillary services such as pharmacies and diagnostic labs.
How to use Medical Office Loans
Uses of Medical Office Financing
Healthcare property financing provides the necessary capital to ensure your physical space keeps pace with medical advancements and patient volume.
Whether you are expanding a private practice or managing a multi-tenant medical office building, our flexible funding solutions are designed to support every stage of the property lifecycle.
Acquire an existing medical office building with in-place tenants and predictable income.
Refinance current debt.
Reposition a property after upgrades/lease changes.
Reconfiguring layouts, adding exam rooms.
Specialized interiors.
Construction financing for new single-tenant clinics or multi-tenant medical office complexes (funded in stages)
Eligible Transactions
Our lending programs support diverse commercial real estate transactions such as property purchases, pre-construction funding, repositioning strategies, tenant improvements, and debt consolidation to help maximize your asset value.
Purchase Loans
Note Purchases
Pre Construction
Property Repositioning
Tenant Improvement
Debt Consolidation
Eligible Commercial Properties
Retail Loans
Gas Station Loans
Dental Clinic Loans
Marina Loans
Industrial Loans
Healthcare Loans
Apartment Loans
Funeral Home Loans
Self Storage Loans
Auto Dealership Loans
Day Care Center Loans
Car Wash Loans
Office Loans
Medical Office Loans
Veterinary Office Loans
Hotel Loans
Auto Repair Loans
Restaurant Loans
Trusted CRE Loan Lender
Why Choose Private
Capital Investors?
In the specialized world of healthcare real estate, a standard balance sheet rarely tells the whole story.
Traditional banks often hesitate when faced with the high build-out costs, complex tenant structures, and regulatory nuances that define medical properties.
At Private Capital Investors, we look beyond the tax returns to see the clinical value and operational potential of your facility.
Fast Closing, Rapid Funding Timelines
Performance-Based Approvals
No Fluff, Direct Decision Making
Performance-Based Approvals
Nationwide Lending
Flexible Underwriting for Specialized Needs
✅ Get medical office loans for situations where the property or income doesn’t fit standard bank underwriting
- Vacant or partially leased medical offices
- Owner-operated clinics where tax returns understate actual collections
- Startups/new practices without full operating histories
- Mixed-use medical spaces that don’t fit clean loan categories (clinic + retail/pharmacy)
- Practices going through ownership transitions or partner buyouts
- Other deals involving multiple income streams that are harder to verify or document
✅ Approval takes into account practical indicators of performance
- Patient visit volume, daily throughput
- Collections (not just billed amounts)
- Scheduling lead times
- Payer mix (insurance vs cash-pay patients)
- Revenue per treatment room/provider
- Repeat patient flow and retention
CRE Loan Programs for Medical Office
Frequently Asked Questions
Can medical office loans include tenant improvements?
Yes. The loan can be structured to include buildouts
Do lenders require experienced medical tenants?
Not always. But experienced providers and strong lease agreements can improve loan terms.
Can financing be used to convert other buildings to medical office use?
Construction or bridge financing is common in conversion projects.
Are interest rates for medical office loans different from other commercial real estate loans?
A fully leased medical building with long-term tenants and steady collections will typically get better pricing. If the property has vacancies or relies on one practice with inconsistent income, lenders see more risk, and rates go up.
What documents are required?
Most lenders will request to see your purchase and lease agreements. Be prepared to also show your financial statements and details on tenant operations and property use.
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Want to learn more? Get in touch with us today.
Our experienced team is ready to assist with your financing needs.
Address:
2101 Cedar Springs Road Suite 1050 Dallas, TX 75201
Phone:
972-865-6206
Email:
info@privatecapitalinvestors.com