Chiropractic practice property finance

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. 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.

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. Lenders cap SMSF lending below a standard purchase, generally between 65% and 75%, and want cash left in the fund after settlement. We know this sounds complicated. It is, and that is exactly why we do it every day. 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.

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.

Most of the time, no. We are paid a commission by the lender once your loan settles, so there is no cost to you. 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.

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 $100,000 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.