Medical Practice Loans in Aurora, CO
Medical practice loans in Aurora fund the physicians, specialists and multi-provider clinics building independent practices in a market dominated by UCHealth, HCA and Kaiser. We structure medical financing for internal medicine, cardiology, orthopedics, dermatology, med spa and specialty groups across the Front Range.
Physician loans are strong credits — high income, low default rates — and lenders regularly approve unsecured or lightly-collateralized structures with 10-year terms. When real estate is part of the deal, SBA 504 stretches the amortization to 25 years and keeps monthly payments manageable during a build-out.
Marquette works these files with SBA 7(a) lenders that specialize in healthcare, plus conventional physician-loan banks when the file needs speed or a larger check than SBA can support.
- Independent practice startup or acquisition
- Multi-provider clinic expansion
- Medical office real estate (SBA 504)
- Imaging and diagnostic equipment
- Partner buy-in or buy-out
- Refinance of high-rate startup debt
- Active Colorado medical license (or transferring)
- Personal credit 680+ typical
- 2 years of practice tax returns (existing practices)
- Pro forma with realistic patient volume assumptions (startups)
- Business plan for de novo practices
From intake to funded in four steps.
“Specialty matters. Cash-pay practices (derm, plastics, med spa) get more aggressive terms than insurance-dependent primary care. If you're pre-launch, expect underwriters to focus heavily on your associate income history and the market gap you're filling in Aurora.”
Questions Aurora operators actually ask.
Can I finance a de novo practice with no revenue yet?+
Yes. SBA lenders regularly fund startup medical practices for physicians with a strong W-2 associate track record. Expect a heavier documentation burden than an acquisition.
Are med spas eligible?+
Yes — med spas and aesthetics practices are actively funded, though lenders scrutinize the medical director structure and cash-pay revenue mix.
Can I combine real estate with the practice loan?+
Yes. The common structure is SBA 7(a) for the practice/working capital plus SBA 504 for the building — closed simultaneously.
What's the rate range?+
SBA 7(a) rates are variable and tied to Prime plus a spread; 504 rates are fixed and typically lower. We disclose both when we send your term sheet.
Do you finance concierge or DPC models?+
Yes — direct primary care and concierge medicine are underwritten as any other cash-pay practice. Membership retention data helps.
Talk to Aurora about medical practice loans.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.