Best Healthcare Practice Lending Companies in USA
Non-sponsored, Expert Verified and Transparently Ranked Healthcare Practice Lending Companies in USA
Executive Summary
We analyzed 5 solutions. Top Recommendation: TD Bank Healthcare Practice Solutions Group by TD Bank scored highest due to Best for solo and multi-location groups needing larger credit facilities with specialist support. TD offers up to $12 million and 100% financing plus working capital via its HPSG [1], and reports multi‑billion loan growth with a relationship-led approach [2].
At a Glance
TD Bank Healthcare Practice Solutions GroupbyTD Bank
Best for: Best for solo and multi-location groups needing larger credit facilities with specialist support. TD offers up to $12 million and 100% financing plus working capital via its HPSG [1], and reports multi‑billion loan growth with a relationship-led approach [2].
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Summary
TD Bank’s Healthcare Practice Solutions Group offers tailored financing for dentists, physicians, veterinarians, and eye-care professionals. Solutions include buy-ins, acquisitions, expansions, equipment, refinancing, and practice-related commercial real estate, with lending capacity up to $12 million and 100% financing plus working capital.
Best For
Best for solo and multi-location groups needing larger credit facilities with specialist support. TD offers up to $12 million and 100% financing plus working capital via its HPSG [1], and reports multi‑billion loan growth with a relationship-led approach [2].
Provide (a Fifth Third Bank company)
Company Information
Company Overview
Company Details
Contact Information
Trust & Compliance
Key Value Propositions
- Seamless conventional or SBA loans
- Full suite of customized financial products
- Fast pre-qualification for financing
Industries Served
Technical Information
Social Proof
Customer Testimonials
Provide is a very well-oiled machine. They worked closely with my advisors to complete things behind the scenes and made my life so much easier.
Summary
Business Banking from Provide is built for business owners at any stage, whether established, just starting out, or in between. It offers streamlined financing and a comprehensive suite of banking products to power business growth and simplify financial operations.
Overview
Provide's Business Banking offers a full suite of customized financial products designed to simplify operations for business owners, supporting their entrepreneurial journey with streamlined financing, simplified banking, and unmatched support.
Best For
Best for doctors and dentists who want a streamlined, tech-forward path to ownership or expansion. Offers up to 100% acquisition financing with interest-only periods for early ramp-up [1], and benefits from Fifth Third’s acquisition, keeping the Provide brand while scaling lending and banking for practices [2].
Key Features
- Full suite of customized financial products
- Seamless conventional or SBA loan options
- Pre-qualification process for financing
- Support for business start, acquisition, or expansion
Key Benefits
- Streamlined financing and banking in one place
- Simplified business operations
- Unmatched customer support
- Pre-qualification for financing in as little as two minutes with no impact on credit score
- Expert insights and best practices available
Who Is It For
- Business owners
- Entrepreneurs
- Established owners
- Startups
- Dental practices
- Medical practices
- Veterinary practices
- Optometry practices
- Childcare centers
- Financial advisory firms
- Funeral homes
- Insurance agencies
Features & Modules
Banking to build your legacy
Built for business owners
We’re here to support your vision, whether you’re an established owner, just starting out, or somewhere in between.
- Financing: Start, acquire, or expand your business with a seamless conventional or SBA loan.
- Banking: Simplify your operations with a full suite of customized financial products.
Taking the next step is simple
Expert insights and best practices at your fingertips
Access articles and resources to help business owners succeed.
- Provide celebrates Fifth Third’s top customer service recognition
- Increase customer loyalty with these effective communications and marketing efforts
- How to create a welcoming office environment
- A guide to overcoming common barriers to successful ownership
- 5 ways business owners can maximize their cash flow
Available In
Compliance
- Provide is a division of Fifth Third Bank, N.A. Member FDIC
Live Oak Bank
Company Information
Company Overview
Company Details
Trust & Compliance
Key Value Propositions
- High-yield savings accounts with competitive APY rates.
- Fully digital banking experience with personalized service.
- Customized loan options catering to the needs of small businesses.
Industries Served
Technical Information
Social Proof
Customer Testimonials
I can’t thank you all enough for the help and support you have provided through this process. This, as you know, is our second SBA with Live Oak, and we couldn’t be happier. I feel we are truly a Live Oak success story.
Our experience with Live Oak Bank was extremely smooth, while maintaining a sense of detail and thoroughness. Thank you for your guidance, support, and patience throughout this acquisition.
Live Oak enabled us to acquire our flagship aerial firefighting assets to protect lives, property and habitat. The bank’s innovation and dedication provided the means to secure ownership of our first two aircraft through two instrumental loans.
Summary
Live Oak Bank provides business loans with transparent guidelines and a relationship-focused approach. Loan amounts are tailored to each business's unique goals and financial qualifications. The bank offers several loan types, including government-backed and conventional options, to help businesses buy, build, or expand.
Overview
Live Oak Bank offers a range of business loans tailored to diverse business needs, with a focus on transparent, relationship-driven lending. Loan solutions include SBA, USDA, Live Oak® Express, and conventional loans, each designed to support business growth, acquisition, construction, and expansion. The bank specializes in lending to a wide variety of industries and emphasizes personalized service and expertise.
Best For
Best for practices seeking SBA-driven financing expertise and quick-turn capital. Live Oak ranked the most active SBA 7(a) lender by dollar amount in FY2025 [1], and its Express program provides rapid loans for practice equipment and improvements [2].
Key Features
- SBA, USDA, Express, and conventional loan options
- Loan sizes up to $25 million (USDA), $5 million (SBA), $350, 000 (Express)
- Industry-specialized lending teams
- Personalized service and guidance throughout the loan process
- U.S.-based Customer Success Managers available Monday, Friday, 8:00 a.m., 8:00 p.m. ET
Key Benefits
- Transparent and straightforward financing options
- Loan amounts tailored to business goals and financial qualifications
- Relationship-driven approach with dedicated industry experts
- Access to government-backed and conventional loan products
- Support for buying, building, or expanding a business
Use Cases
- Buying an existing business or franchise
- Building a business from the ground up
- Expanding an existing business
Features & Modules
Business Loans Rooted in Relationships
Transparent Loan Solutions for Your Business Needs
Live Oak Bank offers a range of business loans designed to meet diverse needs, with transparent guidelines on loan sizes. The actual loan amount you receive will always be tailored to your business’s unique goals and financial qualifications.
Conventional Loans
Trusted Expertise in Your Industry
We specialize in lending to different industries. Each team of experts is laser-focused on their industry all day, every day and fully understands the nuances of your unique business.
- Accounting and Tax
- Agriculture
- Automotive Care
- Behavioral Health Care
- Broadband Businesses
- Craft Brewery
- Craft Distillery
- Dental
- Education Services
- Employee Stock Ownership Plan
- Fitness Centers
- Franchise Restaurants
- Franchises
- Funeral Home and Cemetery
- Government Contracting
- Hardware Store
- Healthcare
- Home Care
- HVAC and Plumbing Contractors
- Insurance
- Investment Advisory
- Law Firms
- Loan Syndications
- Managed Service Providers
- Pet Care Facilities
- Pharmacy
- Professional Services Firms
- Property Management
- Residential Assisted Living
- Restoration, Remediation and Cleaning
- RV Parks
- Search Fund
- Self-Storage
- Seniors Housing
- Solar
- Sponsor Finance
- Veterinary
- Winery and Vineyard
- Other industries
Live Oak Loves Small Businesses
Funding Options Tailored to Your Goals
- Buy: Buying an existing business or franchise? Streamlined loan process to help you secure the capital you need.
- Build: Building your business from the ground-up? Live Oak acts as your construction representative.
- Expand: Ready to take your small business to the next level? Solutions to help you scale your operation.
Available In
Security
- FDIC-insured – deposits are backed by the full faith and credit of the U.S. Government
- Live Oak Bank is an Equal Housing Lender
Compliance
- Member FDIC
- Equal Housing Lender
- SBA Preferred Lender
Huntington National Bank
Company Information
Company Overview
Company Details
Trust & Compliance
Key Value Propositions
- FDIC-Insured
- Relationship-first approach
- Diverse range of financial products
Industries Served
Technical Information
Summary
Huntington Commercial Banking offers a comprehensive suite of financial solutions tailored to the unique needs of businesses, regardless of industry, region, or size. The offering includes deposit and liquidity management, receivables and payables management, capital markets, credit, loans and leasing, business insurance, private banking, online services, and advisory capabilities.
Overview
Huntington National Bank's Commercial Banking provides customized banking, financing, and investing solutions to help businesses grow, manage volatility, improve efficiencies, and ensure longevity. Clients are supported by local relationship managers and specialized teams with industry expertise.
Best For
Best for clinicians wanting personalized guidance with generous leverage. Huntington lists start-up, acquisition, real estate, and equipment options with up to 100% financing, plus deferred and interest-only payments for cash-flow flexibility [1], [2].
Key Features
- Deposits and Liquidity Management: Accounts and tools to manage deposits and optimize cashflow.
- Receivables Management: Secure payment solutions to accelerate cash flow, improve reporting, and reduce risk.
- Payables Management: Scalable products to streamline payments, reduce fraud risk, and improve working capital.
- Capital Markets: Institutional investments, underwriting, private placement, and risk management for interest rate, foreign currency, and commodities.
- Credit, Loans and Leasing: Business lines of credit, equipment leasing, asset-based lending, private investment.
- Business Insurance: Property and casualty, employee benefits, executive life insurance, and more.
- Private Banking: Personalized wealth management and exclusive services.
- Online Services: 24/7 commercial account management and cashflow optimization.
- Advisory Capabilities: Investment banking and financial advisory for middle market companies via Capstone Partners.
Key Benefits
- Customized solutions for unique business needs
- Guidance from local relationship managers
- Integration with daily operations and long-term goals
- Access to specialized industry expertise
- Comprehensive online banking tools
- Risk mitigation and fraud reduction
- Recognition as a top provider for middle market banking
Who Is It For
- Businesses of all sizes
- Middle market companies (sales of $10 million to $500 million)
- Industry-specific segments (e.g., real estate, franchise, government, non-profit, auto, agribusiness, healthcare, technology, settlement funds)
Features & Modules
Commercial Banking Solutions
People are the key to success
Huntington works to know your business as well as you do, to share and achieve your goals.
We’re always looking out for your business
Your Huntington team delivers customized banking, financing, and investing solutions that integrate with your daily routine and long-term goals.
Deposits and Liquidity Management
Receivables Management
Payables Management
Capital Markets
Credit, Loans and Leasing
Business Insurance
Private Banking
Online Services
Advisory Capabilities
Industry Recognition
2025 Best Bank award for Middle Market Banking Coalition from the Greenwich Best Bank Awards.
Commercial know-how
Dedicated teams with specialized expertise in industry-specific business challenges and opportunities.
- Asset-Based Lending
- Commercial Real Estate
- Franchise Banking
- Government Banking
- Non-Profit Banking
- Auto Finance & Dealer Services
- Food & Agribusiness Banking
- Global Advisory Solutions
- Healthcare Banking
- Settlement Funds Services
- Technology Finance
Advice and guidance with industry expertise
Insights on cybersecurity and fraud, debt and capital trends, and market research.
- Cyber liability insurance: How it works and how to assess policies that cover damages caused by a data breach or network intrusion.
- The future of data centers: Four predictions about access to capital, skilled workers, and reliable energy.
- Hedging strategy: Understanding risk and the tools to manage them.
Available In
Security
- FDIC-Insured—Backed by the full faith and credit of the U.S. Government (for applicable deposit products)
- Fraud risk reduction features in payables and receivables management
- Cyber liability insurance guidance available
Compliance
- Banking products and services are offered by The Huntington National Bank, Member FDIC.
- Lending and leasing products and services may require credit approval.
- Huntington Capital Markets® is a federally registered service mark and a trade name under which investment banking, securities, foreign exchange and derivatives services are marketed.
- Securities products and services are offered by licensed securities representatives of Huntington Securities, Inc., registered broker-dealer and member FINRA and SIPC.
- Capstone Partners is a trade name under which advisory and certain investment banking services are marketed. Securities products and services are offered by licensed securities representatives of Capstone Capital Markets LLC, registered broker-dealer and member FINRA and SIPC.
- Insurance products are offered by Huntington Insurance, Inc., a wholly-owned subsidiary of Huntington Bancshares Incorporated and underwritten by third party insurance carriers not affiliated with Huntington Insurance, Inc.
- Investment, Insurance and Non-deposit Trust products are: NOT A DEPOSIT • NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE
- Minimum investment or deposit balance criteria apply with respect to the Huntington Private Bank.
Bank of America
Company Information
Bank of America is a multinational banking and financial services corporation that provides a wide range of financial products and services to individuals, small businesses, and large corporations. The company offers various services including consumer and commercial banking, wealth management, and investment services.
Company Overview
Company Details
Financial Information
Contact Information
Trust & Compliance
Key Value Propositions
- Wide range of financial products
- Strong online and mobile banking capabilities
- Personalized financial advice and wealth management services
- FDIC insured deposit products
Technology Stack
Industries Served
Technical Information
Summary
Bank of America Home Loans provides mortgage solutions for homebuyers, including first-time buyers and those seeking affordable housing options. The service features a digital mortgage experience, competitive rates, and a variety of loan types to meet different needs.
Overview
Bank of America Home Loans offers a range of mortgage options to help customers purchase a home, with digital tools, competitive rates, and support for first-time and modest-income buyers. The offering includes fixed-rate and adjustable-rate mortgages, affordable loan solutions, and special programs for eligible customers. Customers can prequalify, estimate costs, and apply online or with a lending specialist.
Best For
Best for new or expanding practices that value a large bank’s resources and hands-on project support. Includes dedicated project consultants and flexible payment structures [1], and is endorsed by numerous professional associations across specialties [2].
Key Features
- Prequalification and preapproval options
- Online application and document submission
- Fixed-rate and adjustable-rate mortgage options
- Affordable Loan Solution® mortgage with low down payment
- FHA & VA mortgage options
- Jumbo loans
- Doctor loans
- Builder Rate Lock Advantage™
- Homeownership Commitment with affordable housing assistance
- Down Payment Center for state-specific programs
- Mortgage calculators and home search tools
Key Benefits
- Digital Mortgage Experience® for online application and management
- Competitive mortgage rates
- Wide range of loan options including low down payment programs
- Preferred Rewards program with potential origination fee or interest rate reductions
- Support for first-time and modest-income buyers
- Access to calculators and tools for affordability and closing costs
- Assistance programs to help make homeownership a reality
Who Is It For
- First-time homebuyers
- Existing Bank of America customers
- Modest-income buyers
- Buyers seeking affordable housing assistance
- Buyers needing low down payment options
- Buyers looking for fixed or adjustable-rate mortgages
Features & Modules
The perfect home starts with the right mortgage
Get a loan estimate
Your prequalification
Resources and tools
Today's competitive mortgage rates
Preferred Rewards program
The mortgage process, now online
Homebuying options from Bank of America
Available In
Compliance
- Bank of America, N.A. Member FDIC.
- Equal Housing Lender.
- Credit and collateral are subject to approval.
- Terms and conditions apply.
- This is not a commitment to lend.
- Programs, rates, terms and conditions are subject to change without notice.
Data Quality & Transparency
Our Ranking Methodology
How we rank these offerings
We ranked these Healthcare Practice Lending Companies in USA using a weighted scoring formula: Financing Options (40%), Loan Capacity (35%), Support and Expertise (25%). N/A values receive 0 points. TD Bank scored highest with 94.5 due to maximum lending capacity, broad 100% financing options, and highly specialized support. Companies with N/A values had reduced maximum scores.
Ranking Criteria Weights:
Diverse financing options are crucial for healthcare practices to meet varying needs, from new acquisitions to equipment upgrades.
Higher loan capacities are essential for practices that require substantial funding for comprehensive growth or expansion projects.
Tailored support and industry expertise can greatly enhance the borrowing experience and ensure practices receive the best financing solutions.
Frequently Asked Questions
- What are the typical costs and pricing models for healthcare practice loans?
- Healthcare practice loans typically involve a variety of costs and pricing models, including interest rates which may range based on the specific loan product and lender. Companies like Live Oak Bank offer both SBA 7(a) and conventional loan options that can affect the pricing differently, and Bank of America Practice Solutions includes interest-only and graduated payment structures for flexibility. Pricing can also vary with loan specifics, such as acquisition, expansion, or building owner-occupied real estate, where costs can increase due to greater capital needs.
- What are key selection criteria when choosing a healthcare practice lender?
- When selecting a healthcare practice lender, critical criteria include specialization, flexibility, and loan terms. Lenders like Huntington and TD Bank offer up to 100% financing, with varied payment options such as deferred payments, which can benefit practice cash flow management. Additionally, dedicated industry-specific consultants or underwriters, as provided by Business Banking and Bank of America Practice Solutions, can significantly influence decision-making by tailoring finance solutions to address specific practice needs.
- What industry standards and compliance should be considered in healthcare practice lending?
- Healthcare practice lending is governed by industry standards ensuring financial and regulatory compliance. Lenders such as Live Oak Bank adhere to SBA guidelines for 7(a) loans, and all lenders must comply with federal and state financial regulations, including transparency in loan terms and consumer protection laws. Compliance also involves ensuring fair lending practices specifically tailored to professionals such as dentists, physicians, and veterinarians across various states.
- What are common implementation challenges in healthcare practice financing, and how can they be addressed?
- Common challenges include cash flow management, accurate forecasting, and managing repayment terms. Lenders such as Huntington and TD Bank offer flexible financing solutions like deferred and interest-only payments to mitigate cash flow issues. Furthermore, Business Banking’s digital application processes and specialized underwriting can accelerate loan approval, addressing administrative challenges and enhancing responsiveness to practice needs.
- How do healthcare practice loans deliver ROI and value to borrowers?
- Healthcare practice loans deliver ROI by enabling practices to expand services, increase patient capacity, and upgrade equipment, leading to potential revenue growth. For example, financing from Bank of America Practice Solutions for expansions or acquisitions can enhance practices' market standing and profitability. Additionally, tailored loans with interest-only or graduated payments allow for financial stability and reinvestment during the growth phase, optimizing long-term value and financial returns.
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