Chiropractic practice property loans

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. Owner-occupied consulting suites call for lenders who fund allied health premises and give proper weight to a practitioner's income against the cost of the rooms. As the practice grows or you add a second location, the team stays alongside you well after settlement. Where the property is in Sydney, our Sydney commercial property finance page covers that market on its own. Every figure is subject to serviceability, lender appetite and approval.

Going direct to your bank means one set of lending criteria and one answer. A chiropractic practice is an allied health asset, and lenders differ sharply on whether they extend a medical package to chiropractors or assess the purchase as standard commercial. That single decision can move your maximum LVR by around ten percentage points. A specialist broker knows which lenders recognise chiropractors as medical borrowers right now and how to present your billings so the assessment goes your way, rather than working through a list and collecting unnecessary declines.

Chiropractic premises funding runs from $50K up to $30M, which suits a single treatment room fit-out through to a larger clinic bought as a going concern. Practice income and the property both feed into what a lender will support.

Owner-occupier chiropractic purchases typically gear to 65% to 75%, with the top of that range where a lender extends its medical package rather than assessing standard commercial. Investment premises sit around 5% to 10% lower, and adding other property as security can reach 100%. Talk to us for your exact number.

Yes, in two ways. An on-site lead-lined X-ray or imaging room is a real fit-out cost, often tens of thousands of dollars once shielding, structural allowance and the radiography unit are included. A valuer will also treat the shielded room as a specialised, non-transferable improvement and usually value it below what it cost to build. We structure the finance so the building sits on the property loan and the imaging equipment is funded separately on a chattel mortgage, which keeps depreciating equipment off the property security and often costs less over the term.

Chiropractic income is largely private-pay and membership or care-plan based, with some health-fund rebates, rather than Medicare receipts. Lenders assess it on your practice management reports and business financials, usually looking for twelve months or more of consistent billings. Recurring membership and care-plan revenue is viewed favourably because it is predictable. Where your accounts understate current income, for example after a recent fit-out or relocation, non-bank alt-doc options let you evidence income through BAS statements and an accountant's declaration.

For a straightforward owner-occupier purchase, most clients receive indicative credit terms within 48 hours of our first conversation. Formal approval typically follows within two to four weeks with a non-bank lender, and three to six weeks with a major bank. Trust structures, SMSF lending and a practice with a specialised imaging room take longer because there are more moving parts to assess. We give you a realistic timeline upfront so your purchase schedule stays intact.

For a full-doc application, most lenders require two to three years of practice financial statements and tax returns, personal tax returns for all guarantors, and a copy of the contract of sale. If you buy through a trust or company, the relevant deed or constitution and its financials are also needed. Many chiropractors, particularly those who are self-employed or bill through a service entity, do not fit a standard full-doc assessment. Non-bank lenders offer alt-doc and low-doc options where income is evidenced through an accountant's declaration, BAS statements or bank statements. These come with slightly higher rates but open the door for borrowers whose paperwork understates income. We work through your income situation upfront and identify the best approach.

Owner-occupier finance is used when your practice occupies the premises. Lenders assess your practice billings and trading history alongside the property, and offer LVRs of up to 65% to 75% depending on whether a medical package applies. Investment finance is used when you buy a practice building to lease to other practitioners. Lenders focus on the rental income, lease terms and tenant quality, and investment LVRs typically sit around 5% to 10% lower. Vacancy or short-lease situations can be harder to finance.

Yes, it is possible, and we arrange these. It is also one of the more intricate purchases in commercial finance, and the detail is what decides whether it works. The fund borrows under a limited recourse borrowing arrangement, so the practice sits in a separate holding trust and the lender can only come after that one property. From 10 August 2026 a new arrangement can only be used for business real property: a property trading wholly as a business generally qualifies, a property with a residence attached generally does not. Your practice leases the practice back from the fund, in writing, at market rent supported by an independent appraisal, and the rent has to actually be paid. SMSF lending caps well below a standard purchase, so the fund provides its own deposit and the full-price funding available outside super does not apply here. Cross-collateralisation is not available inside super either. Commercial SMSF lending reaches 80% on loans from $100,000 to $10 million, with no liquidity or net asset requirement on the fund, and terms of 15 to 30 years with up to five years interest only. Most lenders will still want cash left in the fund after settlement. We know this sounds complicated, and we can assist to make things clearer. Reach out to our team and we will guide you through the entire process. We structure the finance, tell you which lenders will take a chiropractic practice as SMSF security and on what terms, and bring in the SMSF specialists and licensed advisers who set the fund side up. You will not be working it out on your own. Get that right and it is a solid, compliant structure. Our SMSF medical and health premises page covers how a fund buys practice premises and what changes from one practice type to the next.

In many cases, yes. Some lenders capitalise the fit-out into the commercial property loan, spread over the term at property rates. Others prefer the fit-out and equipment funded separately through a chattel mortgage or equipment finance, which keeps depreciating assets off the property security. Adjustment and drop tables, traction units, an X-ray unit and rehabilitation equipment are usually financed this way. A clinical fit-out with a shielded imaging room can run to several hundred thousand dollars, so planning the funding from the start avoids problems later.

Often, yes. A decline from your bank does not mean the purchase is not fundable. Banks have rigid credit policies, and a chiropractic practice with a specialised imaging room or a service-trust structure does not always fit neatly within them. Non-bank lenders and specialist allied health financiers assess these purchases differently, and sometimes a structuring or presentation issue is all that stood between you and an approval. We will give you an honest assessment of what is possible before proceeding.

Yes, it is possible, subject to serviceability, lender appetite and approval from our lender panel. Commercial lenders on our panel run mid doc programs where income is self-certified and supported by just one of the following: an accountant's letter, your last two BAS statements, six months of trading bank statements, one year's tax return and notice of assessment, or one year's financial statement. Mid doc reaches the same 80% LVR ceiling as a full doc application on loans to $4 million. A quick doc option, self-certified with no supporting document, sits at 65%. This is the usual route where a recent fit-out, a relocation or a service entity structure makes your last set of accounts a poor guide to what the clinic earns now.

Sometimes, and it is a separate question from whether a lender extends its medical package to chiropractors. Non-bank commercial lenders assess the clinic as commercial property rather than as an allied health package, and publish up to 80% on full doc and mid doc for loans from $100,000 to $4 million, 70% between $4 million and $10 million, and 65% on quick doc. For a standard consulting suite in a populated area that can sit above what a bank offers on a medical package assessment. We look at both routes rather than assuming the package is the better one. Every figure is subject to serviceability, lender appetite and approval.

Up to 30 years principal and interest, with interest only for up to five years, and an application can be made to extend the interest only period by a further year. A separate lender on our panel publishes interest only for up to eight years at 80% LVR, which carries a rate loading. A 30 year term on commercial security is longer than most banks will offer on a clinic purchase, and it changes what the repayment looks like against your membership and care-plan billings. Every figure is subject to serviceability, lender appetite and approval.

Not with every lender. Some commercial facilities on our panel carry no annual reviews and no unused facility fees, so once the loan settles it runs on its terms. Bank commercial facilities are more commonly subject to an annual review, where the lender revisits your financials and can reprice or restructure the facility. If you would rather not repeat that exercise every year, raise it at the start, because it narrows which lenders suit the file.

Most of the time, no. Where your financials are complex, your structure is unusual, or the purchase requires significant preparation before it can go to a lender, we may charge a small mandate fee depending on the complexity. 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 chiropractic practice premises are located, we can arrange your finance.

Although our main speciality is property loans for business owners, we also assist with equipment finance for chiropractors and cash flow for chiropractors. On asset finance, that covers adjustment and drop tables, traction units, an X-ray or imaging unit, rehabilitation equipment and full clinic fit-outs. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding to cover staff wages, marketing, consumables, and the cost of opening or expanding a practice. We also arrange home loans. Chiropractors borrow to 90% with the mortgage insurance premium waived, and one major applies no minimum income: see home loans for chiropractors. Where you are fitting out rather than buying, we also arrange chiropractic clinic fitout finance.

Yes. That is our core ethos, helping you understand the right strategy, structure and clear advice from the very first conversation. Our main borrower profiles are established chiropractors and practice owners seeking finance from $50,000 upwards for their company, so a first commercial loan is well within our wheelhouse. Smaller sole-trader and consumer-style ABN lending sits outside our field.

No. Arranging finance and advising on financial products are two different disciplines, and we do the first. What we bring is the credit analysis lenders require, the structuring of the facility, and the strategy for putting your application in front of lenders whose appetite matches it.

Because we act as a credit representative under an Australian Credit Licence, we do not give financial product, superannuation, taxation or legal advice, and nothing we provide should be taken as such. Where your circumstances need that input, we are happy to work with your accountant, financial adviser and solicitor to understand the full picture before anything is submitted.

The information on this page is general in nature and does not take account of your objectives, financial situation or needs.