Healthcare finance

Healthcare and Medical Finance for Practices, Equipment and Growth

Finance medical and dental equipment, practice fit-outs, acquisitions, vehicles and working capital for established clinicians and healthcare operators.

Request a finance assessment Call (02) 8313 3879

Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.

  • Australia-wide lender access
  • Initial review before formal lender application
Finance options

What may fit your situation

Common need

Medical equipment

Imaging, dental, diagnostic, surgical and allied-health equipment.

Common need

Practice acquisition and fit-out

Fund goodwill, premises works, furniture and technology.

Common need

Working capital

Support staffing, consumables and ramp-up during expansion or relocation.

Medical practice credit view

What do lenders assess in medical practice finance?

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.

  • Practitioner qualifications and relevant experience
  • Historical or forecast practice revenue and billing mix
  • Premises lease, staffing and recurring overheads
  • Equipment quote, useful life and resale market
  • Equity contribution and any acquisition goodwill
Structure

Equipment, fit-out, acquisition or working capital?

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.

How it works

Build medical practice finance around what is being funded

Separate proven earnings, forecast growth and the assets or soft costs in the transaction.

1

Separate the transaction components

Identify equipment, fit-out, goodwill, property and working-capital amounts rather than treating the request as one undifferentiated loan.

2

Evidence current and forecast cash flow

Show existing practice performance and clearly label assumptions for a new site, acquisition or expansion.

3

Match each cost to the right facility

Use asset-backed funding where the asset supports it and a broader facility where the cost has little resale value.

4

Compare conditions and flexibility

Review contribution, term, security, covenants and settlement requirements before deciding whether to proceed.

Frequently asked questions

Questions business owners ask before applying

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.

Keep researching
Scenario

Medical practice equipment and fit-out scenario

Work through equipment, fit-out and ramp-up funding in one transaction.

Read more →Solution

Asset and equipment finance

Match medical equipment funding to useful life and cash flow.

Read more →Solution

Working capital loans

Consider a separate buffer for staffing, consumables or ramp-up.

Read more →
Talk through the options

Planning medical equipment, a fit-out or practice acquisition?

Tell us what is being funded, the amount, current practice position and timing. We can help structure the request before a formal lender application.

Request a finance assessmentCall (02) 8313 3879
Get Finance Options