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. 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.

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. 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 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.

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.

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, 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.

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 $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.