Practice finance, without the waiting room

Health practices are strong businesses with expensive set-up costs. Whether it's a new chair, imaging equipment, a second clinic or buying into a partnership, we'll get you funded without weeks of bank paperwork.

What medical & dental use fast finance for

Fit-out or renovateWith or without propertyBuy equipment or machineryNo property neededBuy a businessWith or without propertyConsolidate business debtsWith or without propertyGrow or expandWith or without propertyHire new staffNo property needed

Best-fit loan types

Practices are asset-rich and cash-flow awkward

A medical, dental or allied health practice has unusually predictable revenue and unusually lumpy costs. Patients arrive steadily and fees are collected quickly, but the things that make a practice work — a chair, a scanner, a fit-out, a second surgery — arrive as six-figure decisions that no ordinary trading month absorbs.

Payment timing adds a layer. Where revenue comes through health funds, Medicare or third-party schemes, there is a settlement lag that is entirely predictable and entirely outside your control. It is not a problem in a steady month; it is exactly the problem in a month where a large capital cost also lands.

The other structural feature is that practitioners are usually asset-rich personally and thin on business balance sheet. The equipment depreciates, the fit-out belongs to the lease, and the goodwill sits nowhere. That makes for a weak bank file and an entirely ordinary property-secured one.

Buying in, buying out and buying a practice

Practice transactions are the most common reason clinicians come to us, and the reason is almost always timing rather than viability. A retiring principal sets a date. An associate’s buy-in is priced in a deed with an expiry. A practice comes to market and will not sit there while a bank assesses twelve months of combined figures that do not yet exist.

Banks lend well to health professionals, and if you have the time you should usually use one. The problem is that a buy-in deadline measured in weeks and a bank process measured in months do not reconcile, and the deal does not wait.

The structure that works is a bridge against property you already own, sized to the purchase, with the bank refinance as the documented exit once the new structure has a trading record. Write the term for how long that realistically takes rather than how long you hope it takes — twelve months of combined figures usually means the refinance completes in month thirteen or fourteen, not month twelve.

What practices borrow for

Does a new practice with no trading history qualify?

For property-secured lending, yes. There is no minimum trading period, because the assessment is on the equity behind your existing mortgage and on how the loan gets repaid rather than on a history the practice has not had time to build.

That makes property-secured funding the practical route for a practitioner going out on their own: the personal property position is usually strong, and the business position is necessarily blank. A bank reads the blank; we read the equity and the plan.

Where the practice is established and the need is smaller, cash-flow lending assessed from bank statements is usually simpler and keeps property out of the transaction entirely. That is worth doing where the numbers allow it.

Two fast lanes

1. Check eligibility60 seconds online, with no credit score impact.
2. We pick your fastest laneProperty-secured (up to $5M, no financials) or cash-flow (bank statements).
3. Get a decisionUsually the same business day, with every cost in writing.
4. Get fundedIn as little as 2 hours (cash-flow) or 24 hours (property-secured).

Frequently asked questions