Physicians enjoy some of the best financing available in the entire lending community. For example, 130% loan to value off of commercial real estate is common. Doctors are able to finance equipment, commercial real estate, practice good will, working capital, and more into their loan. In comparison, most small business owners can only qualify for 85% to 90% financing and that is with the backing of the SBA.
Rates are typically the lowest in the industry and with long term fixed periods such as 7, 10 and some times 15 years. Amortization schedules depend on the collateral but its common to see 25 years.