Who We Work With
Medical professionals.
Finance for the people who run practices — buying in, fitting out, equipping and acquiring the premises the practice trades from.
Overview
How we work with the sector.
Medical professionals sit in an unusual position when it comes to finance. The income is strong and the default risk is low, which lenders recognise — but the loans themselves are specialised, and a generic credit policy tends to misread them. We work with GPs, specialists, dentists, surgeons and allied health practitioners across practice ownership, partnership and acquisition. The sector is distinct on two fronts. First, lenders that genuinely understand healthcare will lend further and price sharper against practice goodwill and practitioner income than a lender applying a standard small-business policy. Second, the assets are specific — a diagnostic machine, a dental fit-out or a surgical suite each needs a lender comfortable with that equipment and its useful life. We take each loan to the lenders that actually understand medical practice, so the finance is built around how a practice really earns rather than forced through a template.
Sector Snapshot
- Typical Loan Size
- $100K — $10M+
- Common Products
- Practice loans, equipment finance, commercial mortgages
- Settlement Window
- 2 — 6 weeks
- Security Profile
- Often goodwill & income-backed
Common Scenarios
The deals we structure most often.
01 / 03
Practice acquisition & partner buy-in
Funding the purchase of a practice, or a practitioner buying into an existing partnership — structured around goodwill, earnings and the practitioner behind the deal.
02 / 03
Fit-out & equipment
Financing a new rooms fit-out, a relocation, or the diagnostic, dental and surgical equipment a practice runs on — placed with lenders who understand the gear.
03 / 03
Owner-occupied premises
Buying the building the practice trades from, often through the practitioners' own structure, so rent builds an asset rather than disappearing.
Finance Products
Products most relevant to medical professionals.
FAQ
Medical Professionals finance — questions answered.
Often, yes. Lenders that understand healthcare will lend against practice goodwill and practitioner income, recognising the low default risk in the sector. Property security can sharpen the terms further, but it is not always required.
Both. Acquisition and buy-in finance is a core part of what we arrange for the sector. The structure depends on the mix of goodwill, equipment and earnings in the practice, and on what you are bringing to the deal.
Yes. Diagnostic, dental and surgical equipment can usually be funded as an asset-backed facility. The key is placing it with a lender that understands the equipment and prices it on its real useful life rather than a generic policy.
It can be an effective structure for owner-occupiers, keeping the rent and the asset inside the fund. Your accountant and adviser confirm it suits your position — we arrange the finance once the structure is set.
A clean, well-documented deal generally moves within a few weeks. Equipment finance can be faster; a premises purchase takes a little longer because of the valuation. We give you a realistic timeline once we have seen the deal.
Ready?
Let's structure your next medical professionals deal.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.