Practice loan without collateral: up to €750,000 with no land charge for doctors and liberal professions?
Doctors, dentists, pharmacists and other liberal professions can get a business loan for which the bank does not require a land charge. Because the review is simplified, few documents are needed — and the money often arrives within days.
Practice loan without a land charge: how does it work?
Doctors and other liberal professionals who have been self-employed for at least two full calendar years can obtain a business loan of EUR 20,000 to 750,000 through our partner bank, with no land charge and no other collateral. The bank uses a simplified review: profit statement, current management accounts and the self-disclosure form are usually enough.
Practice loan without a land charge: requirements and documents as a PDF
- Practice loan checklist · key facts, requirements and all documents to tick off
- German and English · for you and your tax adviser
Open the PDF directly — no form: Practice loan without collateral — requirements and documents (PDF, 2 pages)
Who qualifies for a loan without collateral?
Doctors, dentists, pharmacists, vets with a small-animal practice, physiotherapists, outpatient care services and other liberal professions qualify, provided they have been self-employed for at least two full calendar years.
- Who qualifies? Doctors, dentists, pharmacists, vets with a small-animal practice, physiotherapists, outpatient care services and other liberal professions — self-employed for at least two full calendar years.
- What is it for? Buying a practice or a share, equipment and fit-out, working capital, refinancing business loans and owner-occupied practice premises.
- How fast is it? With no land charge to register and few documents to review, the money is often paid out within days.
The loan is designed for liberal professions and some related occupations. You must have been self-employed for at least two full calendar years.
Healthcare — doctors and dentists, pharmacists, vets (small-animal practices only), physiotherapists, outpatient care services; Advisory — lawyers and notaries, tax advisers and auditors, management consultants; Planning and management — architects and engineers, property managers; Agriculture — full-time farmers.
What can the practice loan be used for?
The practice loan can be used for buying a practice or firm, investments, working capital, refinancing business loans and buying owner-occupied practice premises.
Buying a practice or firm — including a share purchase or practice takeover; Investment — equipment, fit-out, ongoing capital investment; Working capital — a new overdraft line or refinancing an existing one; Refinancing — repaying existing business loans; Premises — buying owner-occupied practice or office premises.
Why is a loan without a land charge faster?
Up to EUR 750,000 the loan counts as non-risk-relevant for the bank and may therefore be reviewed in a simplified way. As a business loan it is also not subject to the strict rules for private property loans. No land charge is registered, no notary appointment and no property valuation are needed.
Amount — EUR 20,000 to 750,000 as an annuity loan; Overdraft — alternatively an overdraft line of up to 25 % of annual turnover; Term — 10 to 30 years depending on profession and purpose; Collateral — no land charge, no other security.
Which documents does the bank need?
The documents depend on the legal form: sole practitioners provide a self-disclosure form, a profit statement or annual accounts and current management accounts; companies provide complete annual accounts and management accounts.
- Sole practitioners (1): Self-disclosure form, complete profit statement or annual accounts with notes for the last financial year with prior-year figures, current management accounts with trial balance (no older than six months); above EUR 250,000 also the latest income tax return or assessment.
- Companies (2): Complete annual accounts with notes and prior-year figures and current management accounts with trial balance.
- Depending on legal form (3): Partnership agreement (GbR or PartG with register extract), list of shareholders, commercial register extract for companies and pharmacies.
The self-disclosure template is free: self-disclosure form.
Practice loan interest rate: what does it depend on?
The rate for a practice loan without collateral depends on amount, term and your credit standing; we quote it for your case on the day. It is usually higher than for a loan secured by a land charge — in return you save notary and land-registry costs, a property valuation and time.
What this page does not replace: This is general guidance, not individual financing, legal or tax advice. Whether and on what terms the loan is granted is decided by the bank case by case.
Frequently asked questions
Does the bank really not require a land charge?
No. The loan of up to EUR 750,000 is granted without a land charge and without other collateral. The bank decides on the basis of your profit statement, current management accounts and the self-disclosure form.
How long must I have been self-employed?
At least two full calendar years. If you are just setting up, the practice is financed the classic way with subsidised loans.
Can I use it to buy my own home?
No. The loan is for business purposes: buying a practice, equipment, working capital, refinancing business loans or owner-occupied practice premises. A home is financed with a private mortgage.
What does the loan cost?
We quote the interest rate for your case on the day; it depends on amount, term and credit standing. Our brokerage is free for you — the bank pays the commission.
Any questions on this topic?
A first consultation is free and without obligation — the commission is, as a rule, paid by the bank. We tell you what this means for your own financing.
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Editorially responsible: Olga Nikushkina — owner, §34i GewO (German mortgage brokerage), adviser register D-W-132-ZUCB-95. Specialised in German property financing with an international dimension: non-residents, foreign-currency income, cross-border workers, expats. Siegfried Perini is entered in the German intermediary register under this licence as a person directly involved in brokerage and advice (§ 11a GewO), active in real estate since 1992. Not legal or tax advice.