Home / 100% funding
Up to 100% funding for eligible medical professionals.*
Keep your savings. Fund your practice purchase, fit-out, equipment and premises in one plan, if you qualify.
For most businesses, buying premises or a practice means a deposit of 20–30%. Doctors, dentists and vets are often treated differently. Because medical practices tend to have steady patient demand and professionals have strong long-term earnings, some lenders will fund up to 100% of an eligible purchase.
What 100% funding can cover
Practice purchase & goodwill
Typically up to 10-year terms.
Fit-out
Typically up to 7-year terms.
Equipment
Clinical, dental and imaging equipment.
Practice premises
Sometimes including GST and construction.
Who may be eligible
- Full AHPRA (or veterinary board) registration
- A track record in your field
- A practice with a clear financial history, or a credible business plan
- Good credit history
Some lenders lend against the practice’s cash flow alone; others need a property as security. Residential home loans work differently: eligible doctors can often borrow up to 95% with no LMI, or 100% with a family guarantee.
How we help
We match your profession, practice and goals to lenders whose policies fit, prepare the numbers lenders want to see, and negotiate the structure, including interest-only periods and staged drawdowns.
Check your eligibility
Tell us what you need and a specialist will confirm which lenders may suit you, usually within one business hour.
Checking your options won’t affect your credit score. We collect your details to respond to your enquiry; see our Privacy Policy.
100% funding FAQs
Can doctors get 100% finance to buy a medical practice?
Some specialist lenders fund up to 100% of an eligible practice purchase, including goodwill, fit-out and equipment. Approval depends on your registration, experience, the practice’s financials, security and lender policy. Not every applicant qualifies.
How long can I borrow over for goodwill and fit-out?
Goodwill loans commonly run up to 10 years and fit-out loans up to 7 years, matching the useful life of the asset. Terms depend on the lender and your circumstances.
Do I need to use my home as security for a practice loan?
Not always. Some lenders lend against the practice’s cash flow and goodwill alone; others need property security for higher loan amounts. We’ll show you both options.
How fast can a practice loan be approved?
A well-prepared practice application commonly takes 2–4 weeks to formal approval, depending on the lender, valuation and the complexity of the deal.
Does checking my eligibility affect my credit score?
No. Our eligibility check and first consultation involve no credit enquiry. A credit check happens only when you choose to apply with a lender.
Talk to a medical finance specialist.
A free, no-obligation chat. We respond within one business hour, and it won’t affect your credit score.