Finance medical and dental equipment, practice fit-outs, acquisitions, vehicles and working capital for established clinicians and healthcare operators.
Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.
A healthcare practice needed specialist equipment installed before new clinicians started. We matched the asset life to the finance term and secured the facility before the supplier booking expired.
Imaging, dental, diagnostic, surgical and allied-health equipment.
Fund goodwill, premises works, furniture and technology.
Support staffing, consumables and ramp-up during expansion or relocation.
Professional qualifications can support the credit case, but the facility still has to be serviceable. Lenders may look at practitioner experience, current billing and patient activity, lease commitments, staff costs, existing debts and whether the proposed equipment or fit-out is expected to support additional revenue.
For a new site or practice acquisition, separate existing proven cash flow from forecasts and clearly explain the assumptions behind the ramp-up.
Medical equipment with an identifiable useful life may suit asset finance. Fit-out and other soft costs can require a different term or borrower contribution because they have limited resale value. A practice acquisition may involve goodwill and a broader cash-flow assessment, while a new site may also need a separate working-capital buffer for rent, wages and consumables during ramp-up.
Separate proven earnings, forecast growth and the assets or soft costs in the transaction.
Identify equipment, fit-out, goodwill, property and working-capital amounts rather than treating the request as one undifferentiated loan.
Show existing practice performance and clearly label assumptions for a new site, acquisition or expansion.
Use asset-backed funding where the asset supports it and a broader facility where the cost has little resale value.
Review contribution, term, security, covenants and settlement requirements before deciding whether to proceed.
Potentially. Lenders usually assess the purchase price, goodwill, practitioner experience, historical practice earnings, buyer contribution, existing debts and the expected cash flow after settlement.
Sometimes, but lenders may structure them differently because equipment has identifiable resale value while fit-out and other soft costs may have less recoverable value.
Options may exist where practitioner experience, equity, equipment security, lease terms and credible forecasts support the request. A new site generally requires more explanation because there is less operating history.
Common information includes identification, practitioner background, business bank statements or financials, lease details, equipment or fit-out quotes, existing debt, and forecasts where the request depends on a new or expanded site.
Tell us what is being funded, the amount, current practice position and timing. We can help structure the request before a formal lender application.