Radiology and imaging clinics 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. We take the deal to a lender that looks past the shielding, the specialised fit-out and the heavy machines to value the property and the business behind it. Owned the right way, purpose-built rooms keep the money you put into that fit-out with you rather than walking out the door at lease end, and we work alongside you as the practice adds modalities or a second site. 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.

Radiology and imaging premises are a specialised-use asset, and most lenders assess them conservatively because the building is purpose-built around fixed equipment. A specialist broker knows which lenders have appetite for imaging property, how they value the shell separately from the equipment, and how to structure the property loan alongside the separate equipment finance. That means the deal is presented correctly, rather than working through a list and collecting declines. You also get the property and the imaging kit funded on the facilities that suit each.

Imaging clinic funding runs from $50K up to $30M, covering a single-modality practice through to a site running MRI, CT and ultrasound. Slab loading, shielding and power are genuine considerations and can be funded with the premises.

For an owner-occupier imaging clinic, lenders typically fund around 60% to 70% of the value on a conservative specialised-use valuation. A building leased to an operator usually sits a step lower, around 60% to 65%, with a deposit near 30% to 40%. The equipment is funded separately. Talk to us to size your file.

Valuers assess imaging premises on a specialised-use basis, which steps the value down because single-use improvements like shielding and reinforced floors are not readily transferable to another occupier. The building shell and the fixed shielding are valued separately from the MRI, CT and other equipment, which is why the equipment is financed on its own line. This conservative approach is the main reason imaging LVRs sit lower than a standard commercial office or retail purchase. We map the valuation approach before you commit so there are no surprises at assessment.

Yes, and it is usually the right structure. Heavy imaging equipment such as MRI, CT, X-ray, ultrasound and mammography is financed as large-ticket equipment finance, typically a chattel mortgage or rental line, kept off the property security. This keeps the depreciating equipment on terms that suit its life and lets you upgrade a magnet or scanner without touching the property loan. The building, including the fixed shielding and services, sits on a separate commercial property loan. We coordinate both so they settle together and the overall structure works.

The shielded rooms, structural floor-loading for a magnet, and the dedicated power and cooling are treated as fixed fit-out of the building, so they can often be funded within or alongside the property loan. Where you are buying a shell and fitting it out, a progress-draw facility releases funds against builder invoices through the construction. Valuers discount this specialised fit-out below its cost because it is non-transferable, so the funding is structured with that in mind. The imaging equipment itself stays on separate equipment finance.

Medicare imaging licensing and the referral income it supports are central to how a lender assesses an imaging clinic, so they will want to see it as part of serviceability. Licensing sits with the operating entity rather than the property, which matters when the building is owned separately and leased to the operator. We present the licensing, billing and referral position clearly so the lender can rely on the income. Where the clinic is established with a trading history, this is usually straightforward.

Owner-occupier finance applies when your own clinic operates from the premises, and the lender assesses your imaging billings and trading history alongside the property, at LVRs around 60% to 70%. Investment finance applies when you own the building and lease it to a radiology or imaging operator, and the lender focuses on the lease term, rent and the operator's covenant. Investment-leased LVRs usually sit a step lower, around 60% to 65%. A specialist operator on a long lease reads as a strong single-tenant covenant, which helps the assessment.

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 premises 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 operating company leases the premises 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 imaging premises 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.

Yes, and it is common, since imaging clinics are often held by a company or a unit or discretionary trust, particularly where several radiologists or a corporate operator own the asset together. The lender underwrites the entity, the deed or constitution, and the guarantors behind it. A related-party lease between the owning entity and the operating clinic must sit at arm's-length market rent. We present how income flows through the structure and who stands behind the loan so a corporate or trust holding does not slow the approval.

Often, yes. A decline usually reflects a bank's rigid credit policy or a specialised-asset valuation the bank was not comfortable with, rather than the deal being unfundable. Non-bank and specialist lenders assess imaging property differently, and sometimes the issue is simply how the property and equipment were structured together. We will give you an honest assessment of what is realistic before proceeding, and tell you plainly if it does not stack up.

Yes, it is possible, subject to serviceability, lender appetite and approval from our lender panel. We can help you access funding for up to 100% of the purchase price of an existing imaging practice, secured on the goodwill and equipment of that practice rather than your home or other property. The loan amortises over 15 years and can be structured interest only for up to three years. The goodwill is not separately valued, which removes one of the slower steps in an acquisition, and it matters here because referrer relationships and modality accreditation carry much of the value in an imaging practice.

Yes, it is possible, subject to serviceability, lender appetite and approval from our lender panel. We can help you access up to 100% of the amount you need to buy into an existing partnership, or to increase your share in a practice you already part-own. Security is taken over your share of the partnership alone, so the existing partners and their own arrangements stay as they are. That matters on a buy-in, because the version that stalls is the one where every partner has to re-document their position before you can settle.

Life and income protection cover, sufficient to cover any loan balance secured by goodwill. Goodwill is intangible and depends on you continuing to practise, so a lender funding it requires that cover in place before settlement. We raise it in the first conversation so it is organised early, rather than surfacing as a condition late in the process when your settlement date is already fixed.

On earnings, not on a separate goodwill valuation. Specialist healthcare lenders assess a practice on a combination of EBITDA and gross practice revenue, and one does not require a valuation of the goodwill at all. Where the lending is against practice earnings rather than the property, published policy allows up to 3.5 times EBITDA for diagnostic services and day hospitals, or 70% of an external valuation. That earnings-based lending is aimed at larger practices: the lender sets a minimum commercial debt of $1 million and minimum revenue of $2.5 million, and looks for a large or multi-site practice in a metropolitan location. Every figure is subject to serviceability, lender appetite and approval.

It can. Up to an additional 10% LVR is published for medical professionals holding a fellowship from an Australian Medical College, and for healthcare businesses meeting a lender's health goodwill guidelines, where the lending is against commercial owner-occupied or residential property. On top of the standard 80% LVR for owner-occupied commercial property, published policy allows additional lending of up to $1 million for medical specialists and surgeons and up to $250,000 for general practitioners, assessed on net taxable income from personal exertion. Tell us about your qualifications in the first conversation, because it changes which lender the file suits. Every figure is subject to serviceability, lender appetite and approval.

Up to 10 years. Terms on practice premises run to 30 years, with interest only available for up to a decade of that, and fixed, variable and line of credit options inside the same structure. A long interest only window is worth structuring for where you are carrying modality finance alongside the property in the early years. Every figure is subject to serviceability, lender appetite and approval.

Most of the time, no. Where your financials are complex, the 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 radiology or imaging premises are located, we can arrange your finance.

Although our main speciality is property loans for business owners, we also assist with imaging equipment finance and working capital for radiology clinics. On asset finance, that covers large-ticket imaging equipment such as MRI, CT, X-ray, ultrasound and mammography units. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding to cover contrast and consumables, staff wages, and the timing of Medicare imaging claims. We also arrange home loans. Doctors and dentists borrow to 95% with the mortgage insurance premium waived and no minimum income: see home loans for doctors. Where you are developing rather than buying, we also arrange imaging centre development 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 radiologists and imaging operators 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.