Financing & Costs

Healthcare Construction Financing

Explore financing options and get accurate cost estimates for your medical or dental facility construction project.

Construction Cost Calculator

Get an instant estimate for your healthcare facility construction project

Project Cost Estimator

Estimated Cost Range

$450,000 - $750,000
Based on 3,000 sq ft premium dental office

Cost Breakdown

Construction & Labor$270,000 (60%)
Equipment & Systems$135,000 (30%)
Permits & Fees$22,500 (5%)
Contingency$22,500 (5%)
Total Estimated Cost$450,000

What's Included

Complete construction management
All permits and inspections
Electrical and plumbing systems
HVAC installation
Flooring and finishes
Equipment integration
Final cleanup and turnover

Typical Cost Ranges

Understanding costs for different types of healthcare facilities

Basic Dental Office

Size Range
1,500 - 2,500 sq ft
Cost per Sq Ft
$120 - $180
Total Range
$180K - $450K
Typical Features:
  • Basic operatories
  • Standard finishes
  • Essential systems

Premium Dental Office

Size Range
2,500 - 4,000 sq ft
Cost per Sq Ft
$180 - $250
Total Range
$450K - $1M
Typical Features:
  • Advanced equipment
  • Premium finishes
  • Specialized systems

Medical Office

Size Range
2,000 - 5,000 sq ft
Cost per Sq Ft
$100 - $160
Total Range
$200K - $800K
Typical Features:
  • Exam rooms
  • Medical systems
  • Compliance features

Specialty Medical

Size Range
3,000 - 8,000 sq ft
Cost per Sq Ft
$160 - $220
Total Range
$480K - $1.76M
Typical Features:
  • Specialized equipment
  • Advanced systems
  • Custom design

Financing Options

Multiple financing solutions to make your healthcare facility construction affordable

SBA Loans

6.5% - 11.5%Up to 25 years

Small Business Administration loans with favorable terms for healthcare facilities.

Key Benefits:

  • Lower down payments
  • Competitive rates
  • Longer repayment terms

Equipment Financing

5.5% - 12%3 - 10 years

Specialized financing for medical and dental equipment integrated into your build.

Key Benefits:

  • Equipment as collateral
  • Tax advantages
  • Preserve working capital

Commercial Real Estate

5% - 8%15 - 30 years

Traditional commercial mortgages for property purchase and construction.

Key Benefits:

  • Build equity
  • Stable payments
  • Tax deductions

Construction Loans

7% - 10%6 - 18 months

Short-term financing during construction, converting to permanent financing.

Key Benefits:

  • Interest-only during build
  • Flexible draws
  • Convert to permanent

Financing Process

We guide you through every step of securing financing for your project

Documentation

Gather financial documents and project details

Lender Matching

Connect with healthcare-focused lenders

Application

Submit applications with our support

Approval

Secure funding and begin construction

Financing Questions & Answers

What financing options are available for healthcare construction?

We work with multiple financing partners offering SBA loans, equipment financing, commercial real estate loans, and construction-to-permanent loans. Each option has different benefits depending on your situation.

How much should I budget for my medical office construction?

Costs typically range from $100-$250 per square foot depending on the type of facility, equipment requirements, and finish level. Our calculator provides personalized estimates based on your specific needs.

Can you help with the financing application process?

Yes, we work closely with healthcare-focused lenders and can help guide you through the application process, including preparing necessary documentation and project details.

What factors affect construction costs the most?

The biggest cost factors are facility size, equipment requirements, finish level, site conditions, and regulatory compliance needs. Specialized systems like medical gas or dental plumbing also impact costs.

Are there tax benefits for healthcare facility construction?

Yes, there are several potential tax benefits including depreciation, Section 179 deductions for equipment, and potential opportunity zone benefits. Consult with your tax advisor for specific guidance.

Ready to Discuss Your Project Financing?

Let's explore the best financing options for your healthcare facility construction.