Commercial Real Estate

Owning the real estate where your optometry practice operates can be an important step in building long-term financial stability, controlling occupancy costs, and creating additional business value. Whether you are purchasing your first practice property, refinancing existing commercial real estate debt, expanding into a larger owner-occupied location, or acquiring property as part of a practice transition, the right financing structure can help support both your practice and your real estate investment.

Our owner-occupied commercial real estate financing is designed specifically for private practice optometrists and structured around the unique relationship between the practice’s cash flow, the property, and the long-term needs of the owner.

Owner-occupied real estate financing involves more than funding a property purchase. The property should support the practice’s operations, patient access, visibility, growth plans, and long-term repayment capacity. Financing should also account for the practice’s ability to service the debt, the property’s value, occupancy structure, operating expenses, taxes, insurance, and any improvement, expansion, or relocation needs.

For refinance transactions, financing may help restructure existing debt, improve payment predictability, consolidate real estate obligations, access equity for eligible business purposes, or better align the real estate loan with the long-term plans of the practice owner.

Owning your practice location may provide greater control over occupancy costs, facility improvements, space planning, and long-term business strategy. It may also create an opportunity to build real estate equity while supporting the continued growth and stability of your optometry practice.

Whether you are purchasing, refinancing, expanding, relocating, or aligning your real estate strategy with your long-term ownership goals, our financing solutions are designed to support private practice optometrists from planning through closing and beyond.

Financing Highlights: 

• Financing available for owner-occupied commercial real estate purchases and refinances
• Loan terms up to 25 years
• Fixed-rate financing options for predictable monthly payments
• Financing available for acquisition, refinance, expansion, relocation, and practice transition-related real estate needs
• Structured around practice cash flow, property value, occupancy, collateral, and borrower qualifications
• Available for properties used primarily by the operating optometry practice
• May be combined with financing for improvements, equipment, working capital, or practice acquisition needs, when appropriate

Common Financing Uses: 

• Purchase of owner-occupied commercial real estate
• Refinance of existing owner-occupied commercial real estate debt
• Acquisition of a building currently occupied by the practice
• Real estate financing connected to a practice purchase or transition
• Relocation into a purchased commercial property
• Expansion into a larger owner-occupied office
• Property improvements, renovations, or buildout needs
• Debt restructuring to support long-term practice cash flow

 All financing is subject to credit approval, collateral review, appraisal, environmental review, title review, property occupancy requirements, insurance requirements, professional licensing eligibility, borrower qualifications, and applicable underwriting guidelines.