Is a medical practice loan available for a practice in Savannah, GA?

Yes — a medical practice in Savannah, GA can secure a loan if it meets typical credit, DSCR ≥ 1.25, and annual gross revenue ≥ $250k. See if you qualify.

The specifics

Bank of America’s SBA‑eligible practice loan program requires a minimum FICO score of 620, allows borrowing up to $1 million, and offers rates between 6 % and 9 %[Bank of America]. Lenders normally demand a debt‑service‑coverage‑ratio (DSCR) of at least 1.25 and require that gross revenue be no less than $250k per year[CommerceHealthcare]. The average loan term is 48–84 months, and a typical down payment of 15–20 % of the loan amount is expected[Allied Market Research]. You can estimate your monthly payment in seconds with the free affordability calculator.

The 2026 medical‑practice lending denial‑rate study found that roughly 22 % of applicants were turned down, most often due to insufficient DSCR or lack of collateral[2026 denial study]. Over 70 % of approved borrowers secured rates between 6.5 % and 8 %, with lower rates available if the practice has collateral such as owned equipment, which can reduce APR by 1–3 %[CommerceHealthcare].

Qualification & edge cases

If your practice has been operating for under two years or has negative cash flow, lenders may classify you as higher‑risk and require a co‑guarantor or additional collateral. A DSCR below 1.25 generally pushes the rate upward by 2–4 %. Practices that maintain an occupancy rate above 70 % can negotiate up to a 0.5‑point discount on the posted rate[Bank of America]. For practices seeking to refinance existing debt or to combine multiple loans, a bridge or debt‑consolidation loan can be tailored, but origin fees tend to be 1.5–2.5 % of the loan amount[Allied Market Research].

Background & how it works

The U.S. medical‑practice financing market is projected to reach $207 billion by 2030 and $121 billion by 2035, reflecting the growing need for equipment upgrades and expansion[Yahoo Finance], and reflecting the broader $207.81 billion market that includes UnitedHealth and Optum 2026 projects[MarketResearchFuture]. Lenders assess your practice’s revenue, margin, and ROI on the intended purchase. They may also look at state‑level reimbursement contracts and patient volume trends, which can affect your DSCR and collateral decisions. Partnerships with specialty lenders and SBA programs make it possible for clinicians in Savannah to obtain equipment financing, working‑capital lines, or acquisition loans with minimal credit‑score impact, as soft‑pull checks do not affect the score[Bank of America].

See Georgia‑specific equipment options in the Startup Medical Equipment Financing for Georgia Healthcare Practices guide, or learn about practice acquisition debt at the Practice Acquisition Loans for Physicians 2026 guide.

Bottom line

A medical practice in Savannah, GA can get a loan by meeting credit, DSCR, and revenue thresholds. Check rates in minutes and start the application quickly.

Disclosures

This content is for educational purposes only and is not financial advice. treated.finance may receive compensation from partner lenders, which may influence which products are featured. Rates, terms, and availability vary by lender and applicant qualifications.

Sources

• Bank of America
• CommerceHealthcare
• Allied Market Research
• [/2026-medical-practice-financing-denial-rate-study-extended]
• Affordability Calculator
• Yahoo Finance
• MarketResearchFuture