Refinance your audiology clinic commercial loan

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. On a hearing clinic refinance there is no professional register for a credit team to check, so the trading record has to do that work, and it only exists once you have been in the building a few years. We assemble it, put the booth on the property side and the stock where it belongs, and stay with it past drawdown. Every figure is subject to serviceability, lender appetite and approval.

We refinance commercial facilities from $50K up to $30M on the property side, with the audiometry equipment and the stock funded separately alongside it. The new property limit follows a fresh valuation and current servicing, not what you originally borrowed.

Because appetite varies more on this asset than anywhere else in allied health, and one bank shows you one view of it. Audiologists are not AHPRA-registered, so a generalist credit team with no familiar credential to check often defaults to treating the file as ordinary retail. We run the comparison across more than 40 lenders, work out which understand hearing clinics and Hearing Services Program income, and present to one at a time so your credit file does not collect an enquiry for every conversation.

Up to 70% of the current value as an owner-occupier on a retail-clinical valuation, which is assessed on the location and tenancy as much as the floor area. The booth is a specialised inclusion of the building and is discounted, and the audiometry equipment and stock are funded separately and do not form part of the figure.

It changes what the application has to carry rather than ruling anything out. Everywhere else in allied health a credit team checks a register and moves on; here that step does not exist, so recognition varies more and a generalist lender may default to ordinary retail terms. What replaces it is the thing a refinance has that a purchase does not: years of trading in the same location, the program registration attached to that site, an evidenced referral base, your qualifications and professional membership set out properly, and a clean repayment record on the existing facility. Assembled deliberately, that is a stronger case than a register entry.

Part of the building, and getting that wrong is common. A sound-treated booth is built into the tenancy, it is not going anywhere, and a valuer reads it as a specialised inclusion of the property. The audiometer inside it is equipment. Where a booth build was financed on an equipment line it is being repaid far faster than a fixed improvement warrants, which is worth correcting at a refinance. The booth is also discounted below cost in the valuation, because the next occupier could not use it, so a release cannot be sized against what it cost to build.

Deliberately, and separately from the claim cycle. A hearing clinic carries real inventory: devices held for fittings, sitting out through trial periods, coming back and being refitted. That is a permanent working capital commitment rather than a seasonal one, and it usually ends up on a trading overdraft, which is short-term money doing a long-term job. Size the permanent holding and fund it as such, keep a separate line for Hearing Services Program claim timing, and keep both off the property facility.

Arguably yes, and the case can be put explicitly. Your patients, your referral base and your Hearing Services Program registration are all tied to the site, so a clinic that relocates is unpicking three things at once in a way most allied health practices are not. An owner-occupier who cannot be moved on, in the location all three are already attached to, is a more stable proposition than the same clinic on a lease with three years left. That is a genuine argument about occupancy risk and it is one of the few places on this asset where the property case and the trading case reinforce each other.

It stays where it belongs, which is on its own terms. Audiometers, real-ear measurement systems, tympanometry, otoacoustic emission testing and the dispensing and programming software all run their own replacement cycles and sit on chattel or equipment finance. The one thing to watch is that a booth build and the audiometry going into it are often quoted, delivered and invoiced together, so they end up on one facility even though one is a fixed improvement with a long life and the other is not. A refinance is the point to separate them.

Yes, it is possible, and we arrange these. It is also one of the more intricate refinances in commercial finance, and the detail is what decides whether it works. From 10 August 2026 a new arrangement can only be used for business real property, and a property trading wholly as a business qualifies while one with a residence attached generally does not. It has to stay the same single property, and it is limited to the balance outstanding plus accrued interest, so there is no top up, no redraw and no cash out inside the fund. That rules out funding stock or a booth from the property. Borrowed money cannot fund an improvement either, so a booth build comes from the resources of the fund. The holding trust is reassigned to the incoming lender rather than dissolved, which carries a legal cost worth weighing against the gain. Your clinic leases the premises back in writing, at market rent supported by an independent appraisal, and the rent has to actually be paid. Where a second booth or a reconfigured dispensary has changed what the rooms are used for, that document needs checking first. Cross-collateralisation is not available inside super. Fund the deposit from the fund itself, since cross-collateralisation is not available in super, the major banks have exited SMSF lending, and lenders want a liquidity buffer 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 hearing clinic 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.

A second clinic starts from a colder start than in most of allied health, because the Hearing Services Program registration follows the site rather than you. The new location has to establish its own position with the program, its own referral relationships and its own patient base, and none of that transfers because you already run a clinic elsewhere. So structure the servicing to come from the established clinic through a longer ramp, and size the release to carry a booth, a stock holding and wages rather than a deposit alone.

Usually yes. A recent fit-out, a relocation or a service entity structure can leave the last set of accounts well behind the practice. Mid doc lending is built for that: income is self-certified and supported by one document of your choosing, an accountant's letter, two BAS statements, six months of trading bank statements, one year's tax return and notice of assessment, or one year's financial statement. It reaches the same 80% ceiling as full doc on loans to $4 million. A quick doc option, self-certified with no supporting document, sits at 65%.

Often not, and on this asset the reason is usually the same one. A credit team with no professional register to check has treated a hearing clinic as an ordinary retail tenancy, priced it accordingly and stopped there. It turns on which lender holds the application and how the trading case was put, not on whether the clinic is fundable. We look at how it was assessed and why the answer was no, then place it where that reason is not the deciding one.

Around four to six weeks with a major bank and two to four weeks with a non-bank lender. Where the trading case has to be assembled first, allow a little longer at the front end and expect less friction at the back. SMSF refinances are longer than either. We give you a realistic timeline at the start so you can plan the expiry date around it.

The existing loan statements for the property, the stock line and every equipment line, two to three years of financial statements and tax returns for the clinic entity, a split of income between Hearing Services Program, aged-care, health-fund and private work, your qualifications and professional membership, the strata plan and by-laws where the clinic is in a scheme, personal tax returns and notices of assessment for the guarantors, and a statement of assets and liabilities.

The costs are a valuation, legal and settlement fees, any lender establishment fee, discharge costs from each current lender, and break costs where you are leaving a fixed rate. Where stock and equipment lines are moving as well there are further payout figures to obtain. We put the real numbers against the benefit before you commit to anything.

Most of the time, no. Where the trading case has to be built out before the file can go to a lender, or the structure is unusual, a small mandate fee may apply, and 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 clinic is located, we can arrange your finance.

Beyond refinancing the premises, we also assist with asset finance and working capital. On asset finance, that covers audiometers, real-ear measurement systems, tympanometry and otoacoustic emission equipment, dispensing and programming software, and consulting-room and dispensary fit-out. On working capital, we arrange trade facilities for hearing-aid stock and lines of credit sized to claim timing, and we can fold these into the refinance where it makes sense.