Healthcare practice financing

Elevate your practice to new heights with our financing solutions.

Acquire, expand or refinance with specialized solutions and a dedicated banker who understands your unique challenges.

  • Over 75 healthcare specialty bankers with a nationwide presence

  • Competitive and flexible terms

  • Up to 100% financing

Contact practice finance

Secure the funding you need to reach your practice goals and provide best-in-class patient care.

Achieve your ambitions with U.S. Bank’s practice finance solutions.

We support a wide range of healthcare professionals, including physicians, dentists and veterinarians.

Become a practice owner.

Use capital funds to buy an existing practice or start your own and enjoy flexible interest-only payments.

Refinance existing practice loans.

Improve cash flow by consolidating your existing loans.

Build or expand your practice.

Open a new location, renovate or build your practice using a commercial real estate loan with terms up to 25 years.

Enhance your practice.

Increase your working capital to purchase equipment, update software, add flexibility for payroll, operating costs and more.

U.S. Bank offers a dedicated healthcare banking ecosystem beyond lending.

U.S. Bank has partnered with healthcare businesses for over 100 years. Our experts understand the nuances of the industry and confidently guide clients to ensure their financial operations run smoothly.

Services include:

  • Banking services for business and personal needs
  • Payment solutions for secure and convenient money movement
  • Wealth management strategies for business and personal finance
Explore healthcare banking services

I was working with a different bank previously, and I felt kind of just like another number. I didn’t feel like they could help me achieve my goals. It was the right time to make a change.

Dr. Joanna Chan, Dynasty Dermatology, Pasadena, California
Read the story

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Common questions about healthcare practice financing

We support new and growing practices in specialties such as dental, dermatology, internal medicine, general medical practices & physicians, neurology, OB/GYN, oncology, optometry, orthopedics, pediatrics, plastic surgery, veterinary and more.

Contact a practice finance specialist to find the best option for your needs and discuss pre-qualification.

Most practice finance loans are a conventional financing option, whereas SBA (Small Business Administration) loans1are partially guaranteed by the government, and therefore have different terms and conditions.

SBA loans can be a great solution when traditional financing options have been exhausted, or when used in tandem with conventional loan options to accomplish financing needs.

Healthcare practice financing refers to specialized loans designed for medical & general physicians, dental and veterinary professionals to start, grow or optimize their practices. Unlike generic business loans, these products account for unique challenges like high startup costs, delayed insurance reimbursements, and the need for advanced equipment.

Finance options include:

  • Conventional practice loans
  • SBA loans
  • Equipment financing
  • Working capital business lines of credit

Typically, licensed healthcare professionals such as physicians, dentists and veterinarians qualify. We work with practices in all stages of development:

  • Established practices looking to expand or refinance
  • Startups and early-career professionals (some programs allow financing even if you don’t currently own a practice)

Not always. We offer solutions for:

  • Startups (covering buildouts, equipment and initial working capital)
  • Practice acquisitions or buy-ins
  • Early-career professionals with strong credentials (MD, DDS, DVM)

You can use your funds in almost any way to support or grow your business. Some common uses include:

  • Buying or expanding a practice
  • Purchasing or refinancing your office space
  • Funding construction or renovations
  • Acquiring diagnostic tools and technology (MRI, EHR systems)
  • Covering payroll, inventory and insurance reimbursement
  • Marketing and attracting new patients
  • Debt consolidation for better cash flow

Often, yes. Financing your practice expansion or equipment purchases can often align with tax deductions under current laws – potentially lowering your overall costs. Talk with your tax advisor to see how these benefits could apply to you.2

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Let’s connect.

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Call us

Call 800-313-8820 to talk with a representative right away.

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Disclosures

  1. SBA loan funding is subject to credit approval, program, and eligibility guidelines. Financing maximums and terms are determined by borrower qualifications and use of funds. U.S. Bank, SBA, and/or third-party SBA fees may apply and vary based on the type and term of the loan. Some restrictions apply to refinancing options.

  2. U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

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Investment products and services are:
Not a deposit • Not FDIC insured • May lose value • Not bank guaranteed • Not insured by any federal government agency

For U.S. Bank:

U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments, Inc.

Financing maximums and terms are determined by borrower qualifications and use of funds.

Credit products offered by U.S. Bank National Association and are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

U.S. Bank Payment Solutions are powered by Elavon, a wholly owned subsidiary of U.S. Bank NA, and may have different privacy and security policies than U.S. Bank. For additional details, refer to the information found on the U.S. Bank Payment Solutions Privacy & Terms of Service page.

U.S. Bank Avvance® is a registered trademark of U.S. Bank National Association.