Whitecoat Finance Hub
Finance tailored for medical, dental, allied health and specialist practices — equipment, fit-outs, vehicles and cashflow solutions.
Built for the professionals who keep Australia healthy
Whether you're a medical specialist, dentist, practice owner or allied health professional, this hub gives you streamlined finance pathways for equipment, fit-outs, vehicles and growth.
Whitecoat finance pathways
What does your clinic need finance for right now?
Tap the card that sounds most like your next move as a doctor, dentist or clinic owner.
Clinic vehicles
Doctor car or run-around
You’re upgrading your own car or adding a shared practice vehicle.
Go to Vehicle Finance →
Medical equipment & fitouts
Chairs, devices & rooms
You’re adding treatment chairs, imaging or aesthetic devices, or refreshing rooms.
Go to Equipment Finance →
Clinic cashflow
BAS, wages or suppliers
You need help smoothing Medicare/private payments against bills, BAS and payroll.
Go to Business Loans →
Clinic cashflow system
Simple tools to keep clinic cashflow moving
Three ways to smooth the timing between Medicare/private payments and money out, so consumables, rent and wages don’t stall your plans.
Prefer a full overview? Start with the Whitecoat clinic cashflow safety net guide.
Business line of credit
Flexible buffer for short swings
Keep a revolving limit for consumables, lab bills and short gaps between rebates and outgoings.
View Business Line of Credit →
Working capital loans
Lump sum for bigger pushes
Use a set amount for adding rooms, hiring another practitioner or ramping up marketing.
View Working Capital Loans →
Invoice finance
Turn insurer invoices into cash
Unlock cash tied up in health fund and corporate invoices so you’re not bankrolling every list.
View Invoice Finance →
Not sure which mix suits your clinic? Talk to a Broker and we’ll map a simple cashflow plan.
Explore other finance hubs
Switch between hubs built for different types of business owners.
Key Insights for Medical & Whitecoat Professionals
Medical Fitout Finance: Spread the Cost of Your Next Upgrade
How clinics and practices are using low doc fitout finance to upgrade rooms, reception and treatment spaces without draining cash.
Read moreMedical Professionals & Asset Finance: How Doctors Actually Fund Equipment
Big-picture explainer on how doctors, dentists and allied health use asset finance to fund vehicles, fitouts and high-ticket gear.
Read moreMedical Equipment Finance vs Leasing: Which Suits Your Clinic?
Side-by-side breakdown of financing vs leasing ultrasound, imaging and treatment devices — with cash flow and tax in mind.
Read moreATO Asset Write-Off Rules for Medical Clinics in 2025
What practice owners need to know about instant asset write-offs, thresholds and timing when upgrading clinical equipment.
Read moreFinance Pathways for Medical & Health Professionals
Doctor Cars & Practice Vehicles
For doctors and health professionals upgrading their work car through the practice — structured with clean vehicle finance or broader asset finance so repayments sit against business use, not your personal pocket.
Start with the big-picture explainer Why Medical Professionals Are Turning to Asset Finance, then map the ladder in What Doctors Should Finance First in 2025 and car-specific moves in Low Doc Vehicle Upgrades for Doctors.
Medical & Dental Equipment
Finance for core medical equipment, dental equipment and diagnostic devices — set up via equipment finance so repayments track the asset’s useful life and Medicare/private billings.
Compare structures in Medical Equipment Finance vs Leasing, see real-world priorities in Top 10 Medical Devices Clinics Finance First and add aesthetics from How to Finance Cosmetic & Aesthetic Equipment.
Clinic Fitouts & Refurbishments
For new clinics, relocations and front-of-house refreshes — using a mix of fit-out finance and broader asset finance so joinery, furniture and equipment are funded as the practice grows.
Structure the project with Medical Fitout Finance 2025 and Medical Fitout Loans: Terms, Deposits & Security Rules, then check the tax angle in ATO Asset Write-Off Rules for Medical Clinics.
Clinic Cashflow Safety Net (LOC, WCL & Invoice)
A structured safety net for wages, rent, consumables and BAS — using business line of credit, working capital loans and invoice finance for contracts and slow-paying payers.
The full playbook sits in The Whitecoat Clinic Cashflow Safety Net, backed by the general framework in The Business Cashflow System and deep dives like Business Line of Credit Explained and Invoice Finance 101.
Whitecoat Growth Pack & Expansion
A bundled roadmap that lines up cars, equipment, fitout and cashflow into one strategy — so each upgrade slots into your practice growth plan instead of being a one-off decision.
The core is The Whitecoat Growth Pack — Tailored Finance for Medical Professionals, supported by Asset Finance for Doctors and expansion detail in How Doctors Use Low Doc Loans to Expand a Clinic.
Need Finance for Your Clinic, Practice or Medical Equipment?
Medical, dental, physio, vet and allied health owners get fast approvals for equipment, fit-outs, vehicles and cashflow — with low-doc options and real support.