commercial mortgages (medical, dental, optician, veterinarian)|

Medical professional commercial mortgage loans from IMS Financial are the best option for doctors, dentists, opticians, veterinarians and other healthcare professionals.

Commercial mortgages for medical professionals are regarded as one of the fastest, most responsible means of growing your healthcare practice. Doctors, dentists, opticians, veterinarians and all healthcare professionals can benefit from commercial real estate.

At IMS Financial, our Healthcare professional commercial mortgage loans are specially customized for your growing needs. Whatever commercial project you are interested in, we can put together a package that will work for you.

Medical profession commercial mortgages assembled by us include these applications:

• building and condominium purchases
  
• land purchases
  
• new construction or renovation
  
• large practice acquisitions
  
• refinance existing debt

Usually, there are two main types of loans: short term and long term. The short term loan, or bridge loan, is used for sustaining your business until larger, long term loans are secured. Larger loans cover sizable amounts and generally cover the life of the commercial real estate property.

At IMS Financial, we work with both conventional and government guaranteed loans. Up to 80% LTV, 30-year amortization, based on US Treasury plus spread.

Call us at 800-650-5611.

Small Business Association Funding for Commercial Real Estate
For medical profession commercial mortgage loans, IMS Financial also works with the U.S. Small Business Administration.

SBA loan programs lend to small businesses that cannot obtain financing on reasonable terms through conventional lending channels. These loan programs are funneled through private-sector lenders that provide loans which are, in turn, guaranteed by the SBA. The SBA does not offer direct loans.

Below is a brief summation of the some loan programs offered through the SBA offices.

7(a) Loan Guaranty Program
One of the SBA's primary loan programs, 7(a) offers loans of up to $2,000,000. (The maximum dollar amount the SBA can guaranty is generally $1 million.)

Certified Development Company (CDC), a 504 Loan Program
Provides long-term, fixed-rate financing to small businesses to acquire real estate or machinery or equipment for expansion or modernization. Typically a 504 project includes a loan secured from a private-sector lender with a senior lien, a loan secured from a CDC (funded by a 100 percent SBA-guaranteed debenture) with a junior lien covering up to 40 percent of the total cost, and a contribution of at least 10 percent equity from the borrower.