Commercial
Medical Practice Loan in Phoenix, AZ
Looking for the best Medical Practice Loan in Phoenix, AZ? Our local team specializes in helping Phoenix residents secure competitive financing. Whether you're buying in Downtown or Arcadia, we have the expertise to guide you.
Key Facts About Medical Practice Loan
CMRE Medical Practice Loan ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Medical Practice Loan.
CMRE Medical Practice Loan closes in LLC, corporation, or trust names.
CMRE commercial lending covers office, retail, industrial, and multifamily.
CMRE Medical Practice Loan ranges $250K to $50M.
CMRE commercial bank statement programs for Medical Practice Loan.
CMRE Medical Practice Loan closes in LLC/Corp/Trust.
CMRE commercial covers office, retail, industrial, multifamily.
Program Benefits
Competitive interest rates starting at 8.5% to optimize your financial resources.
Flexible loan terms designed to align with your practice's cash flow and long-term goals.
Financing available for a wide range of needs, including equipment purchases, office renovations, and working capital.
Streamlined application process for a faster and more efficient loan approval.
Expert guidance from our experienced team of commercial loan specialists.
Opportunity to build equity in your practice through strategic investments.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$100K - $5M
Amortization Options
Eligible Properties
- Medical Office Buildings
- Dental Offices
- Veterinary Clinics
- Chiropractic Offices
Program Requirements
Income Documentation
- •Demonstrated history of stable and sufficient practice income.
- •Detailed financial statements, including profit and loss statements and balance sheets.
- •Tax returns for the past two to three years.
- •Projections for future income growth and profitability.
Asset Verification
- •List of all practice assets, including equipment, real estate, and cash reserves.
- •Appraisal of any real estate owned by the practice.
- •Verification of available liquid assets for down payment and closing costs.
- •Documentation of any existing business loans or lines of credit.
Insurance & Title
- •Professional liability insurance coverage.
- •Property insurance for any owned real estate.
- •Business interruption insurance.
- •Proof of workers' compensation insurance, if applicable.
Property Requirements
- •Minimum FICO score of 640.
- •Review of personal and business credit history.
- •Assessment of any past bankruptcies or foreclosures.
- •Evaluation of debt-to-income ratio to ensure affordability.
Medical Practice Loan in Phoenix: The Complete Guide
What Is Medical Practice Loan?
Medical practice loans are specialized financing solutions designed to meet the unique needs of healthcare professionals. These loans can be used for various purposes, including purchasing or renovating office space, acquiring new equipment, consolidating debt, or providing working capital. Understanding the different types of medical practice loans available is crucial for making informed decisions that align with your practice's goals.
Qualifying for Medical Practice Loan
- •Underwritten on property income (DSCR) and borrower financial strength.
- •Typical DSCR requirement: 1.20x-1.25x (NOI / debt service).
- •2+ years business experience, adequate liquidity, acceptable credit.
- •CMRE commercial bank statement programs: qualify with 12-24 months statements instead of tax returns.
- •SBA programs (7(a), 504, Express) available for owner-occupied commercial with as low as 10% down.
Medical Practice Loan vs. Residential Lending
- •Commercial: underwritten on property cash flow. Residential: on borrower income.
- •Commercial terms: 5-10 year terms with 25-30 year amortization.
- •Commercial allows LLC/Corp entity vesting for asset protection.
- •CMRE offers both — our team determines the best structure for your situation.
Apply for Medical Practice Loan with CMRE
- •Step 1: Submit property details — type, location, price, NOI, business plan.
- •Step 2: CMRE provides preliminary terms within 48 hours.
- •Step 3: Application with financial statements, rent rolls, entity docs.
- •Step 4: Appraisal and environmental assessment.
- •Step 5: Underwriting in 2-4 weeks. Closing in 30-60 days.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Medical Practice Loan in Phoenix, AZ
Phoenix mortgage specialists. Whether you're buying in Arcadia or North Mountain, we have the right loan for you. Custom Mortgage & Real Estate specializes in providing high-fidelity Medical Practice Loan solutions tailored to the unique economic landscape of Phoenix and the surrounding Maricopa County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entirePhoenix metropolitan area.
Service Areas & Neighborhoods
Our Phoenix Presence
Local Knowledge. Global Rates.
2575 E Camelback Rd
Phoenix, AZ 85016
Direct Line
877-976-5669Common Questions About Medical Practice Loan in Phoenix
What are current Medical Practice Loan rates in Phoenix, AZ?
Medical Practice Loan rates in Phoenix depend on loan amount, credit profile, and property type. CMRE publishes updated Phoenix rate ranges daily and provides locked quotes within 24 hours of application.
How long does Medical Practice Loan closing take in Phoenix?
CMRE typically closes Medical Practice Loan loans in Phoenix within 21-30 days from application. Pre-approval takes 24 hours, and our AZ-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What commercial property types qualify in Phoenix?
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Phoenix and throughout Maricopa County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Does CMRE offer SBA loans in Phoenix?
Yes. CMRE is an SBA Preferred Lender in Phoenix. We offer SBA 7(a), 504, and Express loans for Maricopa County business owners purchasing or refinancing commercial real estate.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
Medical practice loans can be used for a variety of purposes, including purchasing or renovating office space, acquiring new equipment, consolidating debt, providing working capital, and funding expansions.
Interest rates for medical practice loans vary depending on factors such as credit score, loan amount, and market conditions. CMRE offers competitive rates starting at 8.5%.
The maximum loan amount available for a medical practice loan depends on your practice's financial situation and the lender's policies. CMRE offers loan amounts ranging from $100,000 to $5,000,000.
Loan terms for medical practice loans typically range from 5 to 15 years. CMRE offers a variety of loan term options to meet your specific needs.
CMRE Medical Practice Loan starts at $250,000. SBA may start lower. Max depends on property type — up to $50M.
Yes. Entity vesting is standard for commercial. Personal guarantee typically required.
Yes. CMRE commercial bank statement programs use 12-24 months statements instead of tax returns.
Typically 5-10 year terms with 25-30 year amortization. CMRE structures terms based on cash flow and exit strategy.
Medical Practice Loan by Location
Get local rates, loan limits, and market data for Medical Practice Loan in your area.
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View county-level market data, loan limits, and mortgage rates on our territory pages.
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Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
