Can Doctors & Dentists Get 100% Financing? A Guide to Healthcare Practice Loans

One of the biggest advantages healthcare professionals have is access to financing that looks very different from traditional small business lending.

Banks often view physicians, dentists, and other licensed providers as a distinct category of borrower. Because of their earning potential, demand stability, and repayment track record, many lenders have built specialized programs, some of which include up to 100% financing for practice acquisitions, buy-ins, startups, and even personal home purchases.

But “100% financing” doesn’t mean what most people think  and it’s not always the right move.

In our experience, most first-time buyers focus too much on whether they can get 100% financing and not enough on whether they should.