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Practice finance for medical professionals.
Buy, build, equip and grow your practice, with up to 100% funding for eligible doctors, dentists and vets.*
Buy or buy into a practice
Goodwill and partnership buy-ins, often without your home as security. Talk to us before you sign the heads of agreement.
Start a new practice
A funded plan for fit-out, equipment and working capital before you open your doors.
Fit-out finance
Fit out new or existing rooms over terms of up to 7 years.*
Medical equipment finance
Loans and leases for clinical, dental, imaging and surgical equipment.
Working capital
Unsecured facilities to smooth cash flow between Medicare cycles.
Commercial property
Own your premises, including construction loans with staged drawdowns.
Refinance practice debt
Consolidate and restructure practice and home debt.
Car finance
Novated, chattel and business car loans for doctors.
Buying into a practice
Buying into a practice is one of the biggest financial decisions of a medical career, and it usually happens alongside a full patient list. Lenders that specialise in healthcare understand that goodwill in an established practice has real value. For eligible doctors, they may fund up to 100% of the purchase, including goodwill, equipment and in some cases stamp duty and working capital.
Lenders want to see the practice’s last two to three years of financial statements, the service or partnership agreement, the lease, and your own billing history.
We start before you sign. We review the deal, estimate what lenders are likely to fund, and spot structuring issues early. Then we approach lenders with a complete, well-presented file and manage the process through to settlement, working with your accountant and solicitor.
Talk to a practice finance specialist
Tell us about the practice and we’ll call within one business hour.
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Practice finance 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.
What documents do I need to buy into a practice?
Usually 2–3 years of the practice’s financial statements, the sale or partnership agreement, the lease, your recent tax returns or billing statements, and ID.
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.
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.