Commercial Loans Simplified

The big three are practice premises (buying the rooms you work from), commercial investment property, and working capital that bridges Medicare payment cycles, covers payroll or funds growth. Commercial lending also covers construction and renovation projects, debt refinancing and equipment purchases.

One important distinction: if you are buying the practice itself, the goodwill, the acquisition, the fitout, that is practice finance and it has its own page, its own policies and up to 100% goodwill lending for eligible practitioners.

Often less than you would expect. Eligible practitioners buying premises for their own practice can access lending up to 100% of the purchase price or valuation, whichever is lower, without mortgage insurance.

Investment purchases typically require more equity, and lenders can impose stricter covenants on projects they consider higher risk. Structuring the scenario so it lands with the right lender, presented the right way, is where applications are won.

Commercial loans require a different approach to home loans: more structures, stricter underwriting, and risk assessments that reward preparation. Medical professionals start ahead because lenders compete for them, and a specialist turns that advantage into terms.

MedX Finance has four specialists recognised in Australia's Elite Broker Top 25 for commercial lending, holding positions 2, 3, 4 and 5 nationally in working capital finance, with over 90 years of combined experience exclusively in medical finance. Michael Fazzolari is the NSW State Winner of the Commercial and Equipment Finance Broker Award at the MFAA Excellence Awards 2026.

The rankings are validation; the outcomes we care about are the GP who opened their first clinic and the vet hospital that expanded emergency services.

Practice premises. Buy the rooms you already work from. Rent becomes equity, and eligible practitioners can minimise the deposit.
Commercial investment. A commercial property held for income and growth, assessed on the property and your position together.
Working capital. Smooths the gap between doing the work and being paid for it: payroll, inventory, BAS, growth.
General information only, not financial advice. Structures, deposits and terms depend on your circumstances and lender criteria.

Plenty of our clients talk to us long before a loan exists: weighing a practice purchase, planning a fitout, or working out what their career unlocks. That early thinking costs nothing and is some of the most valuable work we do. And when you are ready to move, it runs like this:
1. Today: talk to a specialist. 15 minutes on the property or capital need and your practice position. No credit check, no cost.
2. Within 48 hours: your lending strategy. Which lenders fit the scenario, the structure they will expect, and what it costs.
3. Application to approval. We package, submit and chase. Timing depends on the lender and the deal, and you will always know where things stand.
4. Approval to settlement. We coordinate with your solicitor, accountant and the lender through to settlement, and stay your specialist as the practice grows.