Tool

Medical Practice Loan Calculator

Estimate physician practice acquisition or startup financing with purchase price, medical equipment, EHR setup, tenant improvements, working capital, physician compensation, debt service, DSCR, and funding gaps.

Practice purchase price / startup budget Medical equipment, EHR, and IT setup Tenant improvements / clinical buildout Working capital reserve Closing, legal, and professional costs Borrower cash contribution Practice loan amount Annual interest rate % Term months Origination / lender fee % Fixed lender fees Projected annual collections Clinical supplies, billing, and payer admin % Payroll and operating expense % Annual owner physician compensation Existing monthly debt service Target DSCR

Check collections after payer costs, overhead, and physician pay

Medical practice financing often depends on specialty, payer mix, net collections, billing overhead, clinical staffing, equipment needs, EHR costs, leasehold work, physician compensation, existing debt, and lender DSCR. Compare this estimate with the dental practice loan calculator, veterinary practice loan calculator, business acquisition loan calculator, SBA 7(a) loan calculator, equipment financing calculator, and DSCR calculator.

This calculator is an estimate for planning and comparison only. It does not provide lending, valuation, accounting, tax, legal, medical practice management, credentialing, billing, payer-contracting, or clinical advice. Confirm numbers with your lender, CPA, attorney, broker, practice consultant, and billing advisor.