Pereff's bank facilitation has unlocked 100% financing including soft costs for healthcare ground-up projects — most recently for Dr. Sheppard during a government political shutdown.
IMPORTANT: Pereff is NOT a lender. Pereff facilitates bank relationships based on the doctor's financials and bank approval — this is not a guarantee. All financing is subject to lender underwriting. General information only, not financial advice. [Pereff financing facilitation program; healthcare banking, 2026]
100% financing for a healthcare ground-up — including the soft costs required up front for design and construction documents — is a specific outcome Pereff has facilitated for qualifying clients, most recently for Dr. Sheppard's oral surgery facility in Mansfield during a government shutdown.
What makes Pereff's bank facilitation different
Contractors know nothing about Real Estate Development or financing. Pereff's experience as a developer — working with banks for 25+ years — gives the firm a pulse on healthcare bank underwriters that most bank producers do not even have. This is not a broker relationship or a referral fee arrangement. It is the result of 25+ years of completed projects, established credibility with healthcare bank underwriters, and a deep understanding of what makes a healthcare loan application fundable.
- 25+ years of bank-underwriter relationships in healthcare lending specifically
- Up to $1.2M facilitation for dental new-starts (finish-out projects) — a loan size many banks including Bank of America are capped below with less favorable terms
- 100% financing facilitation for healthcare ground-up projects including soft costs — available for qualifying projects based on the doctor's financials
- Once a doctor signs with Pereff, Pereff connects them to the healthcare banking institutions that actually get deals done
All doctors qualify for bank facilitation unless they have hidden financial issues. Eligibility is based on the doctor's financials — the bank makes the credit decision. [Pereff financing facilitation program]
Dental new-starts: up to $1.2M facilitated
For dental finish-out projects — a new practice build-out in a leased space — Pereff has facilitated loans up to $1.2M with terms that banks like Bank of America cannot produce: better loan sizes, more favorable terms, and without the hidden fees. This is the financing that makes a dental new-start achievable for a doctor who has the clinical credentials but not the $300K–$500K in cash that a conventional bank would require.
This capability is why the Texarkana Denture & Implant Studio project (Dr. McCatty, 3,000 sf, $600,000) used a complete One Source Solution from Pereff's healthcare real estate broker for design, construction, marketing, and bank facilitation — with up to $1.2M available for the practice's new-start financing needs.
Ground-ups: 100% financing including soft costs
For healthcare ground-up projects — where the doctor is purchasing land and building their own facility — the financing challenge is harder. Ground-up projects require substantial soft costs up front: architectural fees, civil engineering, structural engineering, geotechnical, and permitting. These costs occur before the first concrete is poured. Most banks require the doctor to fund soft costs separately, out of pocket.
Pereff has facilitated 100% financing including soft costs for qualifying healthcare ground-up projects. This means the doctor's out-of-pocket equity requirement can be zero — subject to the bank's underwriting, the doctor's financial profile, and project viability.
Real example: Dr. Sheppard Oral Surgery
Dr. Sheppard's ground-up oral surgery facility in Mansfield, Texas — 8,272 sf, $3.1M — required 100% financing including soft costs. The project was made more difficult by a government political shutdown that disrupted normal bank operations and approval timelines. Pereff's bank facilitation relationships — built over 25+ years — were able to secure the financing commitment during the shutdown, with terms that allowed the project to proceed to construction.
Pereff also negotiated approximately $200,000 in city contributions toward Dr. Sheppard's off-site infrastructure — something no GC-only firm could have done. The combination of 100% financing AND $200,000 of city money is only possible with a firm that is both contractor and developer. [Pereff project data, Dr. Sheppard Oral Surgery]
Who qualifies — the honest answer
Healthcare financing facilitation is available to dental, medical, and veterinary practitioners. Qualification is based on:
- The doctor's financial profile — credit, income, existing debt, and overall financial health
- Project viability — the type, size, and market of the project
- Bank underwriting criteria at the time of application — the bank makes the credit decision
- No hidden financial issues — the doctor must be transparent about their financial situation
Once a doctor signs with Pereff, Pereff connects them directly to the healthcare banking institutions that have the best track record of getting these deals done — with the highest loan amounts, the best terms, and without the hidden fees that many general practitioners don't know to look for.
Want to know if your healthcare project qualifies? Start a project brief — practice type, city, size, finish-out or ground-up. We'll come back with an honest read. No fee, no obligation.
Want a project-specific take?
Every number in this post is directional and dated. A 30-minute preconstruction conversation with Pereff gives you a project-specific range you can actually use for budgeting, financing, and scheduling.