Physician Banking


Medical Practice Banking and Lending

Our personalized service can be tailored to the needs of your medical practice

Building your own office in the medical, dental and veterinary fields is both challenging and rewarding. To be successful, you need access to a full range of comprehensive financial services and a medical practice lender who understands your unique business needs and goals. If you’re looking for a banking partner to be with you every step of the way, look no further than Community Bank & Trust of Florida.

Since our founding in 1998, CBTFL has served and supported a wide variety of medical practices in North Central Florida. As a local business ourselves, we understand the particularities of the regional economy in communities around Gainesville, Ocala, and The Villages.

Our expertise enables us to be more than a source of medical professional loans. We offer a full range of business banking services from cash management and wealth management to financing for practice acquisition, expansion, business real estate, equipment or cash flow.


» Dental Practice Financing

Whether you’re a new dentist or more advanced in your practice, we can help you reach the next level in your career. CBTFL’s medical practice lenders will help you determine the right amount of financing to start or expand your dental office, or to reinvest in your business with the purchase of new equipment or other supplies.

» Veterinary Practice Financing

Turn your love of animals into a thriving business. It’s a golden age for American pet ownership and a great time to open or expand your own vet practice. CBTFL’s medical practice lenders will discuss your goals for your office and help you identify the right financial solutions to grow your business and offer clients the latest advances in the field.

Turn to Your Local Physician Lenders

You’ll find everything you need to thrive at your local CBTFL branch office in Alachua, Marion, or Sumter County. Our medical banking program offers a dedicated personal banker for both your personal and business banking needs and a personalized investment strategy to manage the money you earn. Click on a tab below to learn more or contact our Medical Practice Financing department today.


Lending Solutions for Your Medical Practice


Acquiring or expanding your practice, choosing the right location, equipping your office with the best technology, and building the cash flow necessary for success–all of these steps require access to credit. Community Bank & Trust of Florida delivers:
Loan to Value   We have flexible financing terms for everything from architectural and design fees to construction, renovation, equipment, cabinetry and other project expenses while you build your practice, including tenant improvements.
  Our terms are flexible and interest-only payments may be available while you adjust to the ownership of your practice and build your business. Our competitive terms keep payments low and affordable.
Rate/Terms   We have fixed-rate loan terms for up to 10 years with no prepayment penalties. A fixed-rate during construction will protect you against potential interest rate changes while you start and build your professional practice.
Uses   Use these convenient and affordable loans to purchase your practice and the related real estate or use a combination loan to simplify your life. You can also use these loans for practice relocation, leasehold improvements and remodeling.


In real estate as in business, the old saying really is true – it’s location, location, location. With our Medical Real Estate Loans, getting the best location for your medical, dental or veterinary practice is within your reach. Whether you need a loan to acquire, construct, remodel or expand, we have a financing option to meet your needs:
Loan to Value   Finance up to 90% of the owner-occupied medical related commercial real estate value
  Our low down payments help you obtain your own property for your medical practice instead of renting your space.
Rate/Terms   Interest-only payments are available while you build your practice. We have fixed-rate terms of up to 10 years with no prepayment penalties.
Uses   Use our real estate loan products for property acquisition, refinancing, construction, remodeling and expansion. We’ll customize a financing solution that meets the specific needs of your practice.


Having the latest and most effective technology is good for your practice and the patients you serve. Furnish your practice with our equipment loans:
Loan to Value   Up to 100% of the purchase price on new equipment.
  Flexible payment structures make getting the technology you need easier.
Rate/Terms   Take advantage of up to 10 years in fixed-rate terms.
Uses   Any new equipment that will support the growth of your practice.


The ability to react quickly to any business need or opportunity is critical to the success of a medical practice. Our Business Line of Credit gives you capital when you need it and can help smooth out the bumps in the road:
Payment Structure   Flexible structures that fit your expense budget.
Rate/Terms   One-year interest only terms make getting the spending power you need affordable.
Uses   Inventory purchases to support your practice.
Operating expenses to help ease the cash flow crunch.
Working capital to help your practice grow.



Easily Manage the Daily Transactions and Cash Flow of Your Practice

Efficiently managing the day-to-day cash flow and transactions of your medical practice is critical. Community Bank & Trust of Florida makes banking easier with:
               » Business Banking
               » Cash Management

Personal Banking to Make Your Professional Life Easier

When you manage a medical practice, juggling personal and business finances can be hard. We have a full range of personal banking services that make managing your money and your time easier:
               » Personal Banking


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