Whether you're buying your first practice or thinking about selling your existing one, our Practice Loan Advisors can provide the experience and industry knowledge you need. Conventional Practice Loan Programs are specifically designed for the unique financing scenarios found in the medical practice environment.

A Conventional Practice Loan can be used for the following:

  • Purchase, Remodel or Expand your practice
  • Refinance or Consolidate practice Debt
  • Purchase or Refinance Equipment Debt
  • Construct, Expand or Improve Commercial Real Estate
  • Purchase or Refinance Commercial Real Estate
  • Working capital needs

In order for your practice to meet the eligibility requirements for a Conventional Practice Loan, the Loan-To-Collections ratio must be below 85 - 90% with sufficient debt service coverage. This means that the cash flow from the practice should be able to cover the practice debt needs as well as the doctors personal debt needs.

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Program Highlights

  • 100% Financing plus Working Capital
  • Low Fixed Interest Rates
  • Up To 15-Year Term / Amortizations
  • No Up Front Fees or Points
  • Low down payment - Up to 100% financing available
  • Finance Multiple Practices

Conventional Practice Loan Guidelines:

Allowed Use of Proceeds

  • Practice Acquisitions.
  • Practice Debt Refinance
  • Working Capital Needs


  • Practice Acquisition
    • Up To 100% Financing (90% LTC)
    • 7, 10 & 15 Year Terms
    • Intereste Rates from 2.99% - 3.49%
  • Practice Debt Refinance
    • Finance Up To 90% Of Last Years Collections
    • 7, 10 & 15 SYear Terms
    • Intereste Rates from 2.99% - 3.49%

Loan Proposal Issued In 24-48 Hours Guaranteed!

At 1st Med Financial, we pride ourselves on guiding each client through the often challenging and confusing process of Dental Practice Financing. Our Dental Practice Loan Specialists have over 35 years of combined lending experience and will work with you to evaluate the financial feasibility of the opportunity you are considering.

To speak with one of our practice financing specialists and learn more about the Conventional Practice Loan program, call us TOLL FREE at 800-318-7125 or click here to get started online.

What Our Clients Have To Say

  • First, let me take a minute to say Thank You! The time and effort you and your team took to get me the financing I needed for my buy-out, acquisition and consolidation was, to say the least, beyond awesome. I was treated by everyone as if we were long lost best friends.

    Through the entire process, it felt as though getting this done was a personal task....not a job. Embarrassingly enough, I had come to you once, but decided to go to my bank "because they knew me". They were terrible, to put it nicely.

    Bottom line, I'm where I am today with my practice because of you.

    Dr. Chris Coplin, DMD

Recent Closings

  • May 03 2024

    Veterinary Practice


  • Apr 05 2024

    Dental Practice


  • Mar 15 2024

    Dental Practice



Ask a specialist

To speak with a Practice Loan Advisor Call Us: (877) 625-8531 or