Commercial real estate financing for medical offices, clinics, and healthcare facilities across the USA and Canada—structured for acquisitions, buildouts, renovations, and refinancing.
Medical and healthcare facilities are specialized commercial properties tied to regulated operations, custom buildouts, and critical tenancy.
Lenders often evaluate additional layers of risk beyond the property itself, including:
Healthcare properties are financeable, but the underwriting package must be comprehensive, professionally presented, and detailed.
Eligibility varies by lender, but healthcare financing often includes:
Healthcare borrowers pursue financing for various strategic reasons:
Practices purchase their building to gain ownership rather than leasing commercial property space.
Purchase healthcare-tenant properties for long-term stable leases and predictable income.
Finance upgrades or construction of clinical spaces to meet operational needs.
Relocate to larger facilities, better locations, or enhance patient flow and operational efficiency.
Modernize rooms, systems, accessibility, or ensure compliance with regulations and standards.
Access property equity when performance and lender guidelines allow additional borrowing.
Lenders typically focus on operational, property, and tenant metrics:
Evaluate property details, tenant strength, operator experience, and financing goals to determine transaction viability.
Analyze revenue sources, payor mix, operating expenses, and cash flow trends to evaluate financial stability.
Match borrower goals with suitable acquisition, buildout, refinance, or cash-out healthcare financing structures.
Gather financial statements, leases, licenses, permits, and operational records required for lender review.
Lender evaluates regulatory compliance, operational risk, property quality, and borrower strength before issuing approval.
Complete final documentation, confirm loan terms, and fund proceeds to successfully close the transaction.