Remodel/Improvements

Your practice environment is more than a physical location. A well-designed practice space can enhance patient experience, improve staff efficiency, support clinical workflow, and strengthen the overall value of your practice. Whether you are remodeling your current office, expanding exam capacity, updating your optical area, or completing leasehold improvements, the right financing structure can help you manage project costs while preserving working capital. Remodel and improvement financing allows you to invest in the future of your practice while spreading project costs over time. Whether you are modernizing an existing space, expanding capacity, or preparing for future growth, our financing solutions are designed to support your project from planning through completion.

Practice remodels and improvement projects often require phased funding. Contractors, vendors, architects, designers, landlords, and equipment providers may require payments at different stages of the project.

Our practice remodel and improvement financing is built around the realities of managing the construction process and is designed specifically for private practice optometrists and structured to support the timing, complexity, and cash flow needs of construction and improvement projects. During the approved construction or improvement period, interest-only payments may be available to help reduce payment pressure before the project is complete and fully operational. Once the project is completed, the loan is converted to a regular amortizing repayment schedule.

Financing Highlights:

• Loan terms up to 120 months
• Fixed-rate financing for predictable long-term payments
• Construction disbursement periods generally available for 6 to 12 months
• Interest-only payment options during the approved construction or improvement period
• Multiple disbursements available to support deposits, progress payments, vendor invoices, contractor draws, and final project costs
• Financing available for remodels, expansions, leasehold improvements, buildouts, and practice modernization projects
• Structures to help preserve practice liquidity during construction and transition periods

Common Financing Uses:

• Office remodels and interior upgrades
• Leasehold improvements and tenant buildouts
• Exam lane expansion
• Optical area redesigns
• Reception and patient flow improvements
• Plumbing, electrical, flooring, lighting, cabinetry, and millwork
• Accessibility, signage, and patient experience improvements
• Technology, equipment, and workflow-related improvements connected to the remodel
• Relocation-related buildout costs

All financing is subject to credit approval, collateral review, project budget review, contractor and invoice documentation, disbursement requirements, professional licensing eligibility, and applicable underwriting guidelines.