Practice valuation · SBA Loan
Medical Practice Valuation for SBA Loans in California
Financing a practice purchase or partner buyout? Your lender needs an independent valuation — and your deal timeline needs it fast.
- CVA Certified NACVA Valuation Analyst
- USPAP Compliant Appraisal Reports
- 500+ Valuations 45+ specialties
What SBA Lenders Require
When an SBA 7(a) loan finances a practice acquisition or partner buyout above the program's threshold, the lender must obtain an independent business valuation from a qualified source — a credentialed appraiser such as a CVA, engaged by the lender or with lender approval. Nechay Advisors prepares SBA-compliant valuations of California medical practices that satisfy lender and SBA SOP requirements: independent, credentialed, documented, and delivered on underwriting timelines.
Why Medical Deals Trip Generic Appraisers
SBA valuation providers are often generalists processing volume. Medical practices break their templates: provider-dependent revenue, payer contracts that may not transfer, RVU-based compensation benchmarks, and California's corporate practice of medicine rules around who can even own the entity. An appraisal that misses these realities can under-value a sound deal — killing financing — or over-value a weak one, setting the borrower up to fail. With 500+ medical valuations behind every engagement, our reports speak both languages: SBA compliance for the underwriter, medical economics for the deal.
What the Engagement Looks Like
Lender or borrower contacts us → conflict and independence confirmation → document collection (3 years of financials, purchase agreement or LOI, production data) → analysis under the asset, market, and income approaches → report delivery, typically within 1–2 weeks. We respond to underwriter questions directly, which keeps files moving. Buying into a surgery center with SBA financing instead? See ASC valuation for SBA loans. Buyers wanting deal advice beyond the appraisal should see our buyer advisory services.
For Buyers: The Valuation Is Also Your Protection
The lender requires the appraisal, but the buyer benefits most. If the independent value comes in under the purchase price, that's not an obstacle — it's leverage to renegotiate before you've personally guaranteed a seven-figure note.
A clear, three-step process
- 1
Discovery Call
A confidential conversation about your practice, your timeline, and the purpose of the valuation. We scope the right report tier before you commit to anything.
- 2
Financial Analysis & Interviews
We interview you and normalize your financials. Owner compensation, one-time expenses, and related-party leases all get restated. Typical turnaround: 1–2 weeks.
- 3
Certified Opinion of Value
You receive a defensible, USPAP-compliant conclusion of value, walked through line by line. The report is documented to withstand scrutiny from a buyer, a court, a partner, or a lender.
Lender waiting on a valuation?
SBA-compliant, medical-practice focused, delivered on underwriting timelines.
Trusted by physicians across California
Real Google reviews from physicians and practice owners we have served. Read them on Google
“As a physician with partnership transaction of medical practice, he was an exceptional to guide me and advise me. He showed not only professionalism but also his eagerness to help and guide me through. Highly recommend him for any business valuation and transaction.”
Dr. Kyong Kim
Partnership transaction
“Fantastic valuation/appraisal specialist. I reached out to Alexey to help me evaluate a medical practice buy-in on short notice. He was able to work me into his schedule and accommodate my timeline despite how busy he was and provided crucial insight into helping me decide my next steps.”
Dr. Xuan Cao
Medical practice buy-in
“They get 5 stars across the board. Alexey was extremely thorough and detailed oriented. He did a deep dive into my practice’s financials, coding and practice history. He was easily approachable and prompt in answering questions and in completing the Appraisal. I am confident in the results and I would highly recommend him to any physician/practice for an appraisal.”
Dr. Robert Sacks
Ophthalmology practice
“I called Nechay as I was navigating the potential of selling my practice, and I had a lot of questions about my various offers for sale. Nechay was so responsive, methodical, and educational. He really allowed me to understand the landscape of selling my practice. He is an effective communicator, very patient on the phone and obviously extremely knowledgeable. I will be hiring him to help complete my transactions!”
Dr. Garima Lal
Evaluating sale offers
“I hired Nechay Appraisals to value my ophthalmology practice last year and couldn’t have been more impressed. From start to finish, Alexey was fantastic to work with. The end result was a highly professional and polished valuation report that provided valuable insights on the current state of my business.”
Dr. David Salvay
Ophthalmology practice valuation
“Alexey has been an excellent asset in evaluating our practice. His experience and practice suggestions have helped us tremendously. His working knowledge of medical practice evaluation and application of these skills is second to none. He is always readily available at a moment’s notice.”
Dr. Elio Vento
Practice evaluation
“Very attentive. Quick to respond. Knowledgeable.”
Dr. Betty Daniels
“Very professional, responsive and creates an excellent report and is accessible. Thank you!”
Dr. Daniel Laroche
“Alexey is very professional and a pleasure to work with. I was under time constraints and he completed his review on time despite those additional pressures.”
Dr. Charles Jackson
“Nechay listened carefully and provided objective feedback tailored to my specific situation. His honest communication and expertise made a complex process much easier. I highly recommend him.”
Dr. Maria Soledad Romero
“Highly recommend! From start to finish, he demonstrated expertise, professionalism, and genuine care. Not only did he deliver a thorough, well-researched valuation report, but he also took the time to explain key findings, offer strategic advice, and answered all our questions — even talked to our accountant and bookkeeper to dig deep into our situation.”
Dr. Alicia Sanchez
Medical practice valuation
“We hired Nechay Appraisals to value our ophthalmology practice the year before last and couldn’t have been more impressed. From start to finish, Alexey was fantastic to work with. He was very organized and very patient with us as we gathered what he needed. Every week he would check in to make sure everything was on track. We are getting ready to utilize his services again and are looking forward to working with him.”
Jenna Keller
Ophthalmology practice valuation
“I greatly appreciate the help from Alexey. The process was easy and the information was invaluable. The data provided was comprehensive and gave me perspective of my company that I was not aware of. I highly recommend Alexey and his company.”
Dr. Linh Ngo
Medical practice valuation
Frequently asked questions
Under SBA rules the lender must obtain the valuation, but borrowers frequently propose a qualified appraiser for lender approval. Have your lender contact us, and we’ll confirm our independence and provide our credentials for their approval.
Standard turnaround is 1–2 weeks from complete documents. We've delivered repeatedly under deal deadlines — flag your closing date on the first call and we'll commit to a realistic schedule.
The lender will typically cap loan size against the appraised value, so the gap must be renegotiated or covered with additional equity. Painful — but far better discovered before closing than serviced for ten years after.
No — real estate requires a separate real property appraisal. We value the practice as a business, restating any related-party rent to market so the two appraisals fit together cleanly.
Yes. Valuation engagements are handled remotely from our California office. We work from your financials, interview you by phone or video, and send you the finished report. We have completed valuations in more than 35 states, and an on-site visit can be arranged when an engagement calls for it. Many physicians have no local appraiser who focuses on medical practices, so working with a specialist remotely often serves you better than hiring a generalist nearby.
Keep Your Financing — and Your Deal — on Schedule
Credentialed valuations lenders accept the first time.
All inquiries are kept strictly confidential.