Medical Office Property Loans
Healthcare providers and investors rely on stable, well-located facilities to serve patients and communities. AVANA Companies offers tailored financing for medical office buildings (MOBs), clinics, and outpatient centers, combining long-term SBA 504 and conventional loans with the discipline of a private-credit investment platform.
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SBA 504 Loans
Built for Growth
Fixed-Rate, High LTV (Up to 90%), Long-Term CRE Loans for Owner-Occupied Properties
Backed by $5B+ in SBA lending expertise. Fast, transparent closings tailored for small businesses and brokers.
Lending Solutions for Healthcare Real Estate
Loan Options for Medical Office
SBA 504 Loans
Explore SBA 504 Program →
Conventional Term Loans
Explore Conventional Program →
Bridge Loans
Explore Bridge Program →
Key Terms & Structures
Rates and structures vary depending on loan type and borrower qualifications
Loan Sizes
Approximately $1MM to $18MM
Terms
Mid-term options up to 10 years and long-term options up to 25 year
Leverage
Up to 75% LTV or up to 90% total project costs for qualifying SBA 504 structures
Pricing
Typically indexed to CMT benchmarks with program-specific spreads
Purchasing or refinancing owner-occupied MOBs and clinics.
Acquiring multi-tenant medical buildings or condominiums.
Funding interior buildouts, technology upgrades, and patient-experience improvements.
Restructuring existing debt to improve cash flow and support practice growth.
For Investors: Why Medical Office Loans Matter
- Long-term leases with healthcare tenants that invest heavily in their locations.
- Demand driven by demographics and local healthcare needs rather than short-term trends.
Submit Application
Submit your application with pre-qualification documents. We’ll review and issue a soft quote within 1 business day
Review
We review initial documents and confirm loan structure and key terms. If the deal meets criteria, we issue a Letter of Intent with proposed terms
Approval & Terms
We complete underwriting and order third-party reports as needed. Credit team issues final approval when complete (timing can vary)
Closing & Funding
We prepare final loan documents, open escrow, and coordinate closing. Funds are released once closing requirements are met
Proven Success Stories
We’ve helped businesses across industries
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Frequently asked questions
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Insights
Our Team
About Sanat Patel
As Chief Lending Officer at AVANA Companies and Chair of the Board at AVANA Bank, Sanat Patel brings more than three decades of experience in financial services, private credit and commercial banking, with a proven track record in loan structuring, risk management, and balance sheet growth. Sanat has led strategic initiatives that connect institutional capital with entrepreneurial ambition, supporting the growth of businesses, and owners engaged in commercial real estate across the U.S. He has built and scaled lending platforms in partnership with banks and credit unions, developing tailored financial solutions that drive job creation and foster inclusive economic development.
Our Team
About Christyna Lane
As a lending participation expert in Southern California, Christyna Lane manages the direct loan placements for AVANA CUSO, a Member of the AVANA Family of Companies, with lenders like credit unions, community banks and other financial institutions while establishing and maintaining relationships for the organization. Joining the CUSO team in 2014, she works in connection with lenders nationwide to assist them in reaching their commercial lending goals and diversifying their portfolio.