Medical & Dental Finance Australia
Industries › Medical & Dental Finance
Your Bank Sees a High-Risk Startup.
We See the Practitioner.
We See the Practitioner.
Dental chairs, medical imaging, clinic fit-outs, vehicles, and home loans — structured for doctors, dentists, and allied health professionals who need a broker that actually understands healthcare.
$20K
to $2M+ deals
24hr
Indicative terms
Low Doc
& Full doc pathways
All-in-One
Equipment to home loans
Switchboard Finance · Credit Representative 576702 · Finsure ACL 384704
Where are you?
Wherever you are in practice, we've been there with someone like you.
Tell us where your practice is at — we'll map the right structure from there.
First practice, first chair.
You've finished training and you're opening your own clinic. You need a dental chair, an autoclave, cabinetry, and maybe a full fit-out. The bank wants three years of practice financials you don't have. Specialist lenders assess your qualification and earning potential — not just trading history. Chattel mortgage structures keep repayments predictable while you build the patient base.
Growing the clinic.
Patient list is full, you need a second operatory, upgraded imaging, or a new treatment room. But you're trading through a trust and the bank wants full financials. Specialist lenders assess the practice revenue and your professional standing — not a rigid paper trail. If your credit file has marks from student debt or a practice buyout, there are pathways for that too.
Cashflow & multi-site expansion.
This is where healthcare diverges. NDIS and Medicare bulk billing payments take weeks. Patient invoicing has gaps. Wages and rent don't wait. You need a line of credit for the slow months and working capital to bridge between billing cycles. Opening a second location? Equipment finance across multiple entities, structured properly.
Property & home loans.
You're past equipment. You want to buy the premises you've been leasing — commercial property with consulting rooms and parking. Or buy your first home with practice income the bank won't recognise. One Doc Home Loans use your most recent BAS instead of two years of tax returns. One broker across all of it.
What are you financing?
Every piece of clinical equipment has a different finance structure that works best.
The difference between chattel mortgage, lease, and rental can cost you thousands in tax. We map it before the paperwork starts.
Dental chair & operatory
A-dec, KaVo, Sirona, Planmeca — new or refurbished. Full operatory packages including chair, delivery unit, light, and suction. Most common deal: 5-year chattel mortgage or lease. The chair is the heart of the practice.
See finance optionsDigital imaging & CBCT
OPG machines, intraoral scanners, CBCT units, digital X-ray sensors. High-value assets ($50K–$300K+) that transform diagnostic capability. Specialist valuations may apply for CBCT.
See finance optionsSterilisation & instruments
Autoclaves, ultrasonic cleaners, handpieces, instrument kits. Lower individual deal sizes but often bundled with the chair order. Instant asset write-off structures available.
See finance optionsDiagnostic & monitoring equipment
Ultrasound machines, ECG monitors, patient monitoring systems, spirometers. Essential for GP clinics, specialist rooms, and allied health practices expanding diagnostic services.
See finance optionsTreatment tables & examination
Electric treatment tables, podiatry chairs, physiotherapy couches, examination beds. Allied health essentials — chiro, physio, osteo, podiatry. Finance standalone or bundled with practice setup.
See finance optionsPractice management & IT
Practice management software, server infrastructure, digital records systems, telehealth setups. Often financed alongside clinical equipment as part of a new practice package.
See finance optionsClinic fit-out finance
Full or partial fit-outs — consulting rooms, reception, plumbing, electrical, cabinetry, flooring. Bundled as one finance facility. New build or refurbishment of an existing space.
See finance optionsPractice vehicle
Vehicles for home-visit GPs, mobile allied health, veterinary practitioners, and multi-site travel. Registered vehicles go through vehicle finance — often cheaper than asset finance.
See finance optionsReception & waiting room
Reception desks, waiting room furniture, signage, digital displays, check-in kiosks. Front-of-house essentials bundled into the fit-out facility or financed standalone.
See finance optionsBeyond equipment
Cashflow, property & specialist lending for healthcare.
Equipment is half the picture. Medical practices need cashflow solutions, property pathways, and lending that banks won't offer healthcare professionals.
💰
Working capital loans
Bridge the gap between billing cycles. Cover wages, rent, and supplies while waiting for Medicare, health fund, or NDIS payments to clear.
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Business line of credit
Revolving facility for ongoing practice cashflow. Draw down when patient volumes dip seasonally, pay back when the billing cycle catches up.
📄
Invoice finance
For practices with corporate clients, aged care contracts, or NDIS service agreements. Turn unpaid invoices into same-day cash without waiting 30–90 days.
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Caveat loans
Need $50K–$500K in 24–48 hours? Caveat loans against property for urgent fit-out deposits, practice acquisition deposits, or time-critical equipment.
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Commercial property
Buy the premises you've been leasing. Medical suites, dental clinics, allied health centres. Low doc pathways for self-employed practitioners.
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Bad credit business loans
Student debt, practice buyout strain, or a slow first year. If the practice is performing but the credit file has marks — there are pathways.
Your home loan too
Already sorted your clinic? There's one more thing the bank won't help with.
Most equipment brokers only handle asset deals. Most mortgage brokers don't understand practice income. We do both.
One Doc Home Loan
Use your most recent BAS instead of two years of tax returns. Same houses, same rates — different documentation pathway. For practitioners with trusts, company distributions, or locum income, alt doc verification pathways are also available.
15+
articles for medical & dental practices
Dental Fit-Out Finance Guide
Allied Health Clinic Finance
Medical Equipment: Lease vs Buy
Clinic Cashflow & Billing Cycle Gap
Latest reads
Estimate your repayments
See what your clinic equipment could cost.
Adjust the sliders to get an indicative monthly estimate. Every practice deal is different — this gives you a starting point.
Asset value$80,000
Deposit$8,000 (10%)
Loan term
Structure
Indicative estimate
Est. monthly
$1,424
Total cost
$85,440
Financed
$72,000
Tax structure
GST claimable ✓
Indicative only — based on standard rate assumptions. Actual terms on enquiry. No credit check at this stage.
Get an indicative quote →No credit check · No obligation · We respond same day
Are we a fit?
Who this works for — and who it might not.
We're not for everyone. Here's how we think about fit so nobody wastes time.
Established practice (2+ years)
$20K – $500K
Running for at least two years, consistent patient revenue, BAS lodged. Upgrading imaging, adding a chair, or expanding the clinic. This is the sweet spot — fast approvals, best rates, most structure options.
New practice (under 2 years)
$50K – $500K
Just qualified, opening your first clinic, need the full setup. Specialist healthcare lenders assess your qualifications and earning potential — not just ABN age. Deposits may apply but the pathway is well-established for medical professionals.
Multi-site / group practice
$100K – $2M+
Multiple locations, corporate structures, associate practitioners. Equipment across entities, working capital for payroll gaps, commercial property for the next site. Complex but exactly what we're set up for.
Allied health / mobile practitioner
$10K – $200K
Physio, chiro, osteo, podiatry, psychology, veterinary — sole practitioners or small practices. Treatment tables, diagnostic equipment, practice vehicles. Lower deal sizes but fast approvals.
We work with practice owners and self-employed practitioners only — not PAYG employees. If you're an employed associate thinking about opening your own clinic, get in touch and we'll tell you straight whether there's a pathway.
Real deal scenarios
How clinic deals actually move through our process.
These are based on real deal structures we've arranged. Names changed, details representative.
🦷
Dr Sarah — Dental chair + CBCT upgrade
A-dec chair + Planmeca CBCT · $185K · Finance lease
Dr Sarah runs a solo dental practice in Melbourne's eastern suburbs. Adding a second operatory and upgrading to CBCT imaging to take on implant work. 4 years trading, trust structure, consistent patient revenue. We structured the chair and CBCT as a single 5-year finance lease — one repayment, one facility, better rate at that combined value.
Day 0 — Supplier quotes + 6 months bank statements + BAS
Day 2 — Both assets conditionally approved
Day 4 — Docs signed, deposit paid
Day 10 — Equipment delivered, installed, finance settled
Trust structureCombined facilityFinance lease
🏥
Drs Patel & Chen — Full clinic fit-out
New GP clinic · $320K · Chattel + WCL split
Two GPs leaving a corporate medical centre to open their own practice. Total fit-out $320K — consulting rooms, reception, treatment room, IT, and medical equipment. No trading history as a new entity but strong personal incomes and established medical careers. We split the deal: hard clinical assets on a 5-year chattel mortgage, soft fit-out costs on a 12-month working capital facility.
Day 0 — Itemised fit-out quote + lease agreement + CV + personal financials
Day 3 — Both facilities conditionally approved
Day 7 — Docs signed, fit-out deposits paid
Day 21 — Clinic opens, finance settled
New entityQualification-basedSplit facility
🩺
Amy — Physio practice vehicle + equipment
SUV + treatment tables · $78K · Vehicle + asset split
Amy runs a mobile physiotherapy practice servicing aged care facilities and home visits. Needed an SUV ($55K) for site-to-site travel and two electric treatment tables ($23K) for her clinic days. We structured the vehicle on vehicle finance (cheaper rate) and the tables on a separate 3-year asset facility. Both settled in the same week.
Day 0 — Dealer quote + table invoice + 3 months bank statements
Day 1 — Both facilities indicatively approved
Day 3 — Docs signed
Day 5 — Vehicle collected, tables delivered
Allied healthVehicle + asset splitSame-week settlement
Common questions
Questions practitioners ask before they apply.
Straight answers. No jargon.
Yes. Healthcare professionals have an advantage — specialist lenders assess your qualification, registration, and earning potential alongside standard financial checks. A dentist opening their first practice finances very differently to a new ABN in other industries.
Clear quotes from the supplier, 3–6 months of business bank statements, your ABN, and your professional registration (AHPRA, Dental Board, etc.). That's it for low doc. Full doc adds BAS and financials but gets better rates.
Yes, but fit-outs are more complex. Clinical equipment finances well. Soft costs are harder. We typically split: hard assets on chattel mortgage or lease, soft costs on a working capital facility.
Indicative terms within 24 hours. Formal approval typically 3–7 business days for clinical equipment — sometimes faster for straightforward deals, longer for large fit-outs requiring specialist valuations.
No. A credit check only happens after you agree to proceed and we submit to a lender. Enquiring costs you nothing and doesn't touch your credit file.
Absolutely. Physiotherapists, chiropractors, osteopaths, podiatrists, psychologists, veterinarians, pharmacists — any healthcare professional who needs equipment, vehicles, cashflow, or property.
Ready to finance your clinic equipment?
No credit check to enquire. We respond same day. One broker from dental chair to home loan.
Switchboard Finance Pty Ltd · ABN 29 691 892 289 · Credit Representative 576702 · Authorised under Finsure Group Pty Ltd · Australian Credit Licence 384704
General information only — not financial advice. All applications subject to lender criteria and assessment.
General information only — not financial advice. All applications subject to lender criteria and assessment.
© 2026 Switchboard Finance Pty Ltd. ABN 29 691 892 289. Credit Representative 576702 is authorised under Australian Credit Licence 384704 (Finsure Group Pty Ltd). All finance applications are subject to lender criteria, terms, and conditions. Information on this page is general in nature and does not constitute financial advice. Switchboard Finance does not guarantee approval or specific rates.
Get an indicative quote
No credit check. We respond same day. Tell us what you need and we'll map the best structure.