At TowneBank SBA Lending, our SBA loans for professional services support licensed professionals, specialized firms, and skilled trades across a wide range of professions and industries, whether you're buying into an established practice, acquiring a business, expanding operations, or purchasing the building where you operate.
Professional practices are often strong SBA borrowers because their credit profiles feature predictable revenue and cash flow, a licensed operator, and transferable patient or client relationships.
Our SBA lending approach considers those fundamentals alongside the specifics of your business loan and business.
Have questions about SBA financing? Tell us about your project, and a member of our SBA Lending team will help you explore potential financing options and next steps.
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SBA Preferred Lender
With in-house approvals, your SBA 7(a) loan and its SBA guarantee do not wait in the SBA's underwriting queue, so decisions come faster, and your closing timeline stays on track.
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Top 50 National SBA Lender
Ranked #34 among U.S. SBA lenders, reflecting a consistent commitment to SBA financing and support for business owners nationwide, from first-time buyers and startups to established, growing companies.
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Real Volume and Real Experience
Since October 1, 2025, TowneBank SBA Lending has approved $192.8 million in SBA loans, reflecting extensive experience supporting business acquisitions, commercial real estate purchases, practice financing, and growth-focused transactions.
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SBA Lending Is Our Entire Business
More than 50 professionals work exclusively on SBA lending, bringing specialized expertise to every transaction, from the first conversation through closing and servicing, and supporting business owners across 48 states.
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TowneBank SBA Lending
Specialized SBA lending expertise backed by the resources of a $22.6 billion relationship bank with more than 70 banking offices across its footprint, giving you local support at every step.
The details vary by profession, but many owners turn to SBA financing to achieve the same pivotal goals:
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Buying a Practice
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The Right PracticeYou have found the right practice, but the purchase requires more capital than you want tied up in the transaction.
Common ChallengeThe opportunity is available today, but preserving cash for operations, growth, and future investments remains important. -
Buying the Building
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Own Your LocationYou are ready to own the property your business occupies, rather than continue leasing space as your practice grows.
Long-Term StabilityOwnership can help create greater control over your location, build equity over time, and support the future growth of your practice. -
Grow Your Business
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Grow Your PracticeYou need financing for expansion, equipment, improvements, or working capital without disrupting the business you have already built.
Support Future GrowthAccess capital for strategic investments while preserving liquidity and maintaining day-to-day operations.
Whether you are buying out a retiring owner or helping the practice purchase its building, SBA financing could support the next step in ownership.
Physician acquisitions and buy-ins often call for thoughtful financing, as do opportunities for allied health providers.
Facility acquisition, real estate, and construction each raise distinct financing considerations for senior care operators.
From a practice acquisition or buy-in to acquiring clinic real estate, SBA financing could help support veterinary ownership.
At TowneBank SBA Lending, we run special programs for professional services, structured as aggressively as the SBA allows. That can mean flexible terms with financing up to about 90% of Total Project Cost, alongside 10- to 25-year fully amortizing term loans, no covenants, and working capital within a single transaction.
Plus, our practice financing opportunities reach beyond the familiar professions on which most lenders concentrate, like doctors, dentists, and veterinarians. We also focus on professionals like attorneys, CPAs, architects, engineers, environmental professionals, pharmacies, insurance agencies, and licensed trades, allowing these professionals to access the same opportunities.
We ground our approach to assessing creditworthiness and repayment terms in cash flow. An established, licensed practice with predictable revenue is exactly the kind of borrower this loan structure suits. When making decisions, we evaluate the SBA loan requirements alongside the strength and specifics of your business.
SBA financing for professional services follows a defined process. Understanding each stage can help borrowers prepare documentation, respond quickly, and keep the transaction moving.
| Stage | What Happens | Borrower Expectations |
|---|---|---|
| Pre-Screen | Initial review of the opportunity, borrower qualifications, and financing request. | Share details about the business, acquisition, ownership transition, expansion, or real estate project. |
| Proposal Letter (Term Sheet) | Preliminary financing structure and proposed terms are prepared. | Review the proposed financing structure and determine whether to move forward. |
| Completing Submission | The complete loan package is assembled and prepared for underwriting. | Provide requested financial statements, tax returns, ownership information, and supporting documentation. |
| Underwriting | The lender evaluates cash flow, business performance, ownership structure, and transaction specifics. | Respond promptly to requests for information. Valuations, appraisals, or other third-party reports may be required depending on the transaction. |
| Closing | Final loan documents are completed and financing is finalized. | Work with the closing team to satisfy final requirements and documentation needs. |
| Post-Closing & Servicing | Ongoing loan servicing and relationship management. | Continue operating and growing the business while working with your servicing contact as needed. |
Professional-services lending is often centered on the strength of the business's cash flow, recurring revenue, licensing requirements, and client or patient relationships.
Complete financial statements and timely responses remain the most important factors borrowers can control to help keep the financing process moving efficiently.
We begin with a pre-screen, followed by a term sheet, underwriting, and closing. For acquisitions and buy-ins, we incorporate a practice valuation into the underwriting process. Once your loan closes, a dedicated Portfolio Manager remains your point of contact for the life of the loan.
Explore the specific deal types below to see the details of each financing path.
Whether you're acquiring a practice, navigating an ownership transition, or purchasing the building where your business operates, these are the financing solutions professional-service firms most frequently use to move ownership and growth forward.
Professional-service firms, healthcare practices, skilled trades, and specialized businesses often have unique ownership, acquisition, expansion, and real-estate financing needs. Explore the types of opportunities we commonly finance across a wide range of professions below.
TowneBank SBA Lending supports licensed professionals, specialized practices, service businesses, and skilled trades across a wide variety of industries. Whether you're purchasing a business, financing a partner transition, acquiring real estate, or investing in growth, our team understands the financing needs of professional-service firms.
We work with first-time buyers, practice owners, partners completing ownership transitions, growing businesses, commercial real estate purchasers, and experienced operators seeking capital for expansion. If your business depends on licensed expertise, recurring client relationships, or specialized operations, SBA financing may be worth exploring.
The TowneBank Small Business Lending team is committed to helping entrepreneurs and business owners access the financing they need to start, grow, and strengthen their businesses. Our experienced lenders take the time to understand your goals and recommend solutions tailored to your unique needs.
- Working Capital
- Equipment Financing
- Business Expansion
- Business Acquisition
From working capital and equipment financing to business expansion and acquisition opportunities, we provide local decision-making, personal service, and trusted guidance every step of the way.
Questions About Professional Services, Practices, and HVAC Business Loans
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If your profession appears on our list, you are within the range we serve. We work with doctors, dentists, veterinarians, attorneys, CPAs, architects, engineers, environmental professionals, pharmacies and drug stores, insurance agencies, licensed trades, and allied health providers. Our SBA team can confirm your fit and the financing approach for your project.
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Yes. We can combine SBA products to finance a practice acquisition and the owner-occupied real estate (in addition to equipment financing and working capital) in one transaction, preventing the need for a separate commercial real estate loan. Depending on the project, the structure could also include working capital and other eligible uses, with financing up to about 90% of Total Project Cost.
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It depends on the loan amount and the deal. We finance up to about 90% of Total Project Cost on qualifying projects, with the remainder provided through your equity injection. The amount depends on the transaction, practice cash flow, and your overall financial position, including the liquidity you retain after closing.
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Yes, in the right circumstances. A startup practice has different SBA loan requirements because there is no operating history to evaluate. Credit score represents just one part of the credit consideration; expect a request for a business plan, projections, and personal financial statements, along with a larger equity injection and required reserves after closing. Our startup financing page outlines those requirements, and our SBA team can help you understand how they apply to your plan.
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In some circumstances, personal assets may be considered as collateral when available. For some SBA programs, practice owners with 20% or more ownership are generally subject to the all-available-collateral requirement. The specific collateral position depends on the transaction and what assets are available to secure the loan.
Tell us your profession and the deal you're considering. Whether you're acquiring a practice, financing a partner transition, purchasing real estate, or investing in growth, our SBA Lending team can help determine whether the opportunity aligns with our financing approach.
Share a few details about your profession, business, and financing goals. We'll help you evaluate whether our SBA loans for professional services fit your opportunity.
Some applications may require further consideration, and additional information may be required.
Credit terms are subject to approval.
Amount of Credit is subject to SBA program.