Refinance your cosmetic or skin 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 cosmetic clinic refinance the largest single variable is how the clinic is read, and most clinics have moved toward the medical end since they bought without anybody telling the lender. We evidence that properly, quantify the package book before credit asks, keep the devices off the building, 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 lasers, IPL and RF devices funded separately alongside it. The new property limit follows a fresh valuation and current servicing, not what you originally borrowed.

Because the classification decides the number and one bank gives you one view of it. We run the comparison across more than 40 lenders, work out which will accept a medical read on a clinic that has added a prescribing practitioner and which are comfortable with private-pay income and no Medicare stream, and present to one at a time so your credit file does not collect an enquiry for every conversation. We also model the break costs, valuation and legals against what moving actually gains you.

Up to 70% of the current value as a doctor-led medical cosmetic owner-occupier. A beauty-led clinic is assessed closer to 60% to 65% on retail commercial terms. Which side of that line you sit on is worth more than the rate, and it is the first thing we work through. The devices are funded separately and do not form part of the figure.

It can, and by the largest margin available on this asset. A doctor-led medical cosmetic clinic reaches up to 70% as an owner-occupier, while a beauty-led clinic is assessed closer to 60% to 65% on retail commercial terms, so the gap is worth several percentage points of your valuation. The lender still holds the classification it applied at settlement, because nothing has prompted a review since. We rebuild the evidence: the practitioner registrations, who prescribes the S4 injectables, the clinical governance and the treatment and income mix.

No, and we are clear about it before an application. Energy devices such as laser, IPL and RF sit across both models, so a beauty-led clinic and a doctor-led one can hold the same equipment. What moves the read is the prescribing doctor or nurse practitioner behind the S4 injectables and the clinical governance documented around the treatment scope. A file built on the device list rather than on the governance does not persuade a credit team.

By quantifying them yourself, before anybody asks. Pre-paid courses are revenue received for treatment not yet delivered, the unredeemed balance builds up year after year, and it is why the bank balance can run ahead of earned revenue. Presented with a redemption rate and an ageing profile behind it, it shows a clinic that understands its own book. Left unquantified, it surfaces mid-assessment as an unexplained liability. We size it and present it alongside the earned income so the servicing rests on treatment actually delivered.

It puts the whole weight on durability. Injectables, laser and skin treatments and retail skincare are private-pay, so a lender is assessing discretionary spending with no rebate stream behind it. What answers that is evidence rather than assertion: a repeat client base, treatments people return for on a cycle, and revenue that has held through more than one soft year. Several years of that is a much stronger argument than a good recent twelve months.

That is exactly why the two should be kept apart. Lasers, IPL and RF devices depreciate and date faster than clinical equipment in most other fields, so they belong on chattel or rental finance held off the property security, which lets you replace a platform without reopening the loan on the premises. Where a device was capitalised into the property loan at some point it is usually still being repaid long after it left the treatment room, and a refinance is the point to move it back.

Very little of it. A cosmetic fit-out works hard commercially, because it signals what the clinic charges, but a valuer discounts non-transferable improvements below cost regardless of what they do for the brand. The equity at a refinance comes from the market moving and the loan amortising. The more useful question is the next refresh rather than the last one: knowing roughly when it falls and leaving headroom for it, instead of drawing everything available today and funding it under pressure later.

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 a device or a refresh from the property. Borrowed money cannot fund an improvement either, so a fit-out 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 the clinic has taken on an adjoining tenancy or added treatment rooms, that document needs fixing 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 cosmetic 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.

Usually from the premises you already own, because a leased second site brings no security with it. The useful part is that a second clinic is assessed on the combined position across both sites rather than on the new one alone, so your existing trading history does most of the work. We size the release for everything the opening actually needs, the fit-out, the devices and the wages of a site that will not break even immediately, rather than for the fit-out alone and going back a second time.

Often not. On a cosmetic clinic a decline usually traces to the lender still holding the classification it applied at settlement, or to a credit team uncomfortable with private-pay income and an unexplained package liability on the balance sheet. All of those are questions of presentation and of which lender the file sits with. 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 three to six weeks with a major bank and two to four weeks with a non-bank lender for a straightforward file. A file that also reclassifies the clinic takes longer because the governance evidence is reviewed, one that moves device lines longer again, and SMSF refinances longest of all. 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 and every device line, two to three years of financial statements and tax returns for the clinic entity, the practitioner registrations and who prescribes, a breakdown of income across injectables, energy treatments and retail skincare, the unredeemed package balance with an ageing profile, the strata plan and by-laws where the premises are strata, 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 device 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 clinical position 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 lasers, IPL and RF platforms, treatment beds, clinic and retail fit-out, point-of-sale and practice software. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding to carry skincare stock, consumables and marketing, and we can fold these into the refinance where it makes sense.