For more than 40 years, Market Capital Lending has helped licensed healthcare professionals buy, build, and grow their practices — part of the $375 million+ we've funded for our clients. We've guided everyone from a first-time physician purchasing a practice right here near Loganville to established providers expanding across 46 states. It's a corner of lending that rewards knowing how a practice actually generates income, and we know it deeply. As a veteran-owned business, we bring the values that shaped us to every file: straight advice, relentless advocacy for your deal, and treatment that always puts you first. Below is everything you need to know about medical and practice financing — and how we can help you get funded.
What is medical and practice financing, in plain terms?
Healthcare professionals occupy a unique position in the lending world. They often carry significant student debt, are earlier in their income trajectory than their earning potential suggests, and run businesses with revenue models that don't always fit standard underwriting frameworks. Medical and practice financing is designed to account for that reality.
Rather than evaluating a physician or dentist the same way a lender would size up a general business owner, these programs factor in the income potential of the practice — giving qualified professionals access to financing that reflects where they're headed, not just where they've been. Because we both lend directly and broker across 40–50 lenders, we can match your file to partners who specialize in healthcare.
What can practice financing be used for?
The programs cover a full range of healthcare financing needs:
- Practice acquisition — purchasing an existing medical, dental, or veterinary practice
- Commercial real estate — buying the building your practice operates from (often paired with a commercial real estate loan)
- Office construction or build-out financing for a new or relocated location
- Equipment financing for medical and diagnostic equipment — see our equipment financing program
- Working capital for practice growth and expansion
- Refinancing existing practice or real estate debt
If your need is broad or blended — say, buying a practice and its building together — an SBA structure often fits, which is why practice deals frequently overlap with our SBA loans and business acquisition loans.
Who is medical and practice financing for?
Whether you're a newly licensed physician acquiring your first practice or an established provider looking to purchase your building or expand into a second location, these programs are structured to serve healthcare professionals across the career spectrum. Good candidates include:
- Physicians, surgeons, and specialists acquiring or growing a practice
- Dentists and orthodontists purchasing a practice or the real estate it sits on
- Veterinarians acquiring a clinic or expanding an existing one
- Optometrists and other licensed practitioners seeking practice or real estate financing
- Healthcare professionals refinancing existing practice debt or accessing equity
Typical borrowers come to us with credit around 680 or better — but a strong practice, solid collateral, or healthy projected cash flow can open the door even when the profile isn't picture-perfect.
Why healthcare professionals choose Market Capital Lending
We built this firm for the borrower who doesn't fit neatly into a big bank's box — the self-employed provider, the practitioner with student debt that clouds a quick read, the owner told "no" by the branch down the street. Because we both lend and broker through 40–50 lenders, we're not limited to a single bank's rulebook: if one lender passes, we know where else the deal can land.
We're also a veteran-owned, SBA-approved small business with 40+ years of combined experience and over $375 million funded — the kind of track record that matters when your financing is on the line. You work directly with people who understand practice deals and treat a same-day answer as the standard, not the exception. (Rates, approval, and terms vary by credit, collateral, loan amount, and underwriting.)
How the process works
Underwriting looks at the practice's revenue and profitability, your license and credentials, personal creditworthiness, and the specific need — whether that's a practice acquisition, a real estate purchase, or an equipment loan. For newer practitioners, income projections and the strength of the practice being acquired carry significant weight. We work with lenders who specialize in healthcare financing and know how to evaluate and structure these deals accurately. When you're ready, start your application — it takes just a few minutes — or contact our team directly.
Practice financing in your market
While we fund deals in 46 states, most of our business comes from Georgia, Alabama, and Florida — especially the communities within about an hour of our Loganville office. If you're searching close to home, see our financing options across Georgia or the full map of where we lend. Not sure a practice loan is the right fit? Browse all loan programs or learn more about MCL.
Frequently asked questions
What credit score do I need for practice financing?
Most healthcare borrowers have a credit score around 680 or higher, but that's a guideline, not a hard cutoff. A strong practice, healthy cash flow, or a well-structured deal can support an approval with a lower score. The best way to know is to let us review your specific situation.
Can I get financed if I just got licensed?
Often, yes. Because these programs are underwritten on the income potential of the practice — not just your years in business — newer practitioners with a solid practice to acquire and strong projections can still qualify. Income projections and the strength of the deal carry significant weight.
What can a practice loan pay for?
It can fund a practice acquisition, the commercial real estate your practice operates from, an office build-out, medical and diagnostic equipment, working capital for growth, or refinancing existing practice debt. Many providers combine several of these into one financing package.
Which healthcare professionals do you work with?
We arrange financing for licensed professionals including physicians and specialists, dentists and orthodontists, veterinarians, and optometrists. If you hold a professional license and are buying, building, or growing a practice, it's worth a conversation.
Can you help if a bank already turned me down?
Often, yes. A bank turndown usually reflects that one bank's criteria — not that your deal is unfundable. Because we lend directly and broker across 40–50 lenders, we can take a file a traditional bank passed on and find a lender whose guidelines fit it.
Do you only serve Georgia?
No — we arrange practice financing in 46 states. Most of our clients are in Georgia, Alabama, and Florida, with a concentration in the metro-Atlanta and Loganville-area markets, but we're happy to help wherever your practice is.