Medical Office Building and Healthcare Real Estate Loans
Medical office loans provide acquisition, refinance, and construction financing for medical office buildings, outpatient surgery centers, urgent care facilities, and healthcare real estate occupied by physicians, dental practices, and health systems. These loans underwrite to healthcare tenancy and healthcare-specific real estate metrics including build-out costs, patient accessibility, and proximity to hospital campuses. Minimum loan size is $1 million.
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Medical Office Building and Healthcare Real Estate Financing
Medical office has emerged as one of the most resilient and sought-after CRE asset classes because healthcare services are non-discretionary and the patient relationships that anchor medical tenants create sticky, long-term occupancies. Medical office buildings near major hospital systems command life company and CMBS interest given investment-grade health system tenancy. Physician-owned practices seeking to acquire their building typically use SBA 504 or SBA 7(a) programs for below-market financing with high LTV. Commercial Lending Solutions is active across the full medical office capital stack from SBA practice loans through institutional life company permanent financing on health-system-anchored MOBs.
Lender Sources
- SBA 504 and 7(a) Lenders
- Life Insurance Companies (Anchored MOB)
- CMBS Conduits
- Banks with Healthcare Lending Programs
- Healthcare REITs (Sale-Leaseback)
Ideal For
- Physician groups and dental practices purchasing or refinancing their clinical space
- Multi-tenant medical office building acquisitions near hospital campuses
- Outpatient surgery center and ambulatory care development financing
- Health system sale-leaseback of owned medical office real estate
- Medical office park development in suburban markets with aging demographics
- Urgent care, imaging, and specialty clinic real estate acquisition
Related Property Types
Medical Office Loans are available for all major commercial property types. Explore financing by property category.
Medical Office Loans FAQ
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