Physician Practice Financing Options
Strategic funding for practice ownership
Understanding Medical Practice Financing
Medical practice acquisitions typically range from $200,000 for smaller family practices to $5,000,000+ for multi-physician specialty groups. Before committing to a purchase, complete thorough valuation and due diligence to ensure you're paying a fair price.
Canadian banks offer physician-specific lending programs with reduced documentation requirements, lower down payments, and competitive rates that reflect the low default rate among medical professionals.
Financing Options
Physician Loans
Specialized lending programs from major banks offering 100% financing with extended terms for physicians.
Partnership Buy-In
Structured payment plans for buying into existing group practices, often financed through future earnings.
Equipment Financing
Separate financing for medical equipment with the equipment serving as collateral for favorable terms.
Corporate Retained
Using accumulated corporate funds from incorporated physicians to fund practice acquisition or expansion.
Physician Lending Terms Comparison
| Financing Type | Typical Rate | Down Payment |
|---|---|---|
| Physician Practice Loan | Prime + 0-1% | 0-10% |
| Partnership Buy-In | Varies | 10-25% |
| Equipment Financing | Prime + 1-3% | 0-15% |
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