Business loans for medical practices

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. We are specialists in helping business owners secure finance to purchase their own property, and we understand the complex structures that often sit around it, including multiple trusts, holding companies and self-managed super funds. Through that work we also understand what the business needs from its cash flow, and where an overdraft or line of credit fits for working capital. For a medical practice, that means a funder running a genuine healthcare lending program, one of the more than 60 bank and non-bank lenders we know will treat practice income as low risk, lend against goodwill and ask for lighter documentation. We stay with you well beyond settlement as the practice grows. Every figure is subject to serviceability, lender appetite and approval.

It depends on how quickly you need it and what you are willing to offer as security. Unsecured facilities are assessed mainly on billings and can be arranged in days, which suits a limit of $100K to $500K for equipment or a fit-out. Secured facilities, backed by property, support larger amounts and price better, which matters once you are funding an acquisition. Most established practices end up with a mix, and we shape which sits where.

It depends on your billings, your structure and the purpose, but practice lending commonly runs from $100K to well into seven figures, and our range extends to $100M for larger groups. Lenders running healthcare programs will often lend a high proportion of a practice purchase price against goodwill and cash flow rather than bricks and mortar alone. The binding constraint is usually serviceability rather than security. We shape the funding early so you know your number before you commit.

Yes. Medical equipment finance can fund examination and procedure equipment, diagnostic and imaging units, sterilisation, IT and a full consulting room fit-out, with the equipment itself usually serving as the security. Terms are typically matched to the life of the asset, and established practices can often be assessed on bank statements and BAS rather than full financials. Manufacturer and dealer finance programs are available too, and we compare them against a bank facility.

Yes. Practice acquisition is one of the most common reasons practitioners come to us, whether you are buying in as a partner, buying out a retiring principal or adding a second location. Lenders that recognise the profession will lend against practice goodwill and cash flow, not just bricks and mortar, often up to a high proportion of the purchase price for a strong practice. We shape the funding early around the price, the goodwill and any equity available, subject to serviceability and approval.

No. Plenty of practices fund growth without touching the family home, either through unsecured facilities assessed on billings, or by securing against the equipment being purchased. Property security widens the range of lenders and structures open to you, so it is worth considering once you are borrowing well into seven figures. The choice is yours, and we will show you what each option costs before you commit.

An unsecured facility can often be approved within 48 hours and funded inside a week where the practice is established and the BAS and bank statements are current. Secured facilities take longer, typically two to four weeks, because a valuation is involved. The practical advice is to open the limit before you need it, ideally when you are planning the equipment purchase rather than when the invoice is already due. Timeframes are indicative and subject to lender appetite and approval.

Yes. Many lenders assess practices on 6 to 12 months of bank statements and recent BAS rather than full year-end financials, which suits owners whose accounts lag the current run rate. It works best where the trading account shows regular billing receipts and the ATO position is current. If you have a payment plan in place, say so early, because several lenders will still proceed when it is disclosed and being met.

Yes, and it is a commercial property deal rather than a working capital one. Practices buying their own rooms frequently access owner-occupier terms that a general business would not, because lenders treat the profession as low risk, which can mean a lower deposit than an investor would need. Owning the rooms also takes a rising rent out of your cost base. Our commercial property team handles these end to end through our medical and specialist clinic commercial mortgages service.

Lenders treat healthcare as a low-risk, high-retention profession with stable, recurring income, so several banks and non-banks run dedicated healthcare or professional lending programs. In practice that can mean higher borrowing against goodwill, lower deposits on a premises purchase, and lighter documentation than a general business would face. The catch is that these programs sit with specific lenders and desks, and the terms vary widely. Knowing which lender to approach for your situation is most of the value we add.

Most of the time, no. We are paid a commission by the lender once your facility settles. Where a deal requires significant preparation or involves unusual complexity, a small mandate fee may apply. We will always be upfront about this before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your business is located, we can arrange your finance.

Although our main speciality is property loans for business owners, such as a property loan to buy your medical practice, we also assist with medical equipment finance and working capital. On asset finance, that covers clinical equipment, imaging and commercial vehicles. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding. We also arrange commercial mortgages if you are buying or refinancing your rooms.