Most lenders do not understand Medicare billing cycles, practitioner income structures, or diagnostic equipment ROI. We find the ones who do, and build the submission that gets you approved.
GP practices generate Commonwealth-backed receivables. Arguably the safest accounts receivable in Australia. Most lenders do not model this correctly. Krishna frames it properly so it reduces the lender's risk assessment rather than inflating it.
MRI, CT, ultrasound, surgical equipment. Major capital outlays with specific clinical ROI timelines. Finance terms need to match clinical payback cycles and equipment lifecycle, not generic commercial amortisation.
Buying an established practice means financing goodwill. Patient lists, practitioner relationships, referral networks. Most lenders struggle with intangible assets. We build the credit narrative around patient retention risk and revenue quality in a way lenders accept.
Mixed billing, practice distributions, locum income. Serviceability complexity that generic lender models understate. We know how to model practitioner income correctly and which lenders assess it most favourably for your specific structure.
Imaging, surgical, diagnostic, and treatment equipment. 1-7 year terms structured around clinical ROI and Medicare billing cycles, not generic asset finance templates.
Finance for purchasing an established medical or dental practice including goodwill, patient lists, and fitout. Credit narrative built around retention risk and revenue quality.
Clinic fitouts, treatment room upgrades, sterilisation equipment, reception works. Structured around the practice's revenue uplift and lease term.
Practice management software, teleconsultation infrastructure, digital diagnostic tools. Finance terms matched to technology refresh cycles.
Bridge Medicare and insurer payment cycles. Fund payroll and supplier obligations through seasonal patient volume fluctuations. Revolving lines sized to your billing cycle.
Krishna understands how lenders assess healthcare organisations. Medicare billing reality, practitioner income structures, and the credit narrative that gets a fast approval rather than a committee referral.
Confidential · No Credit Impact