Finance for orthodontists

In most of specialist medicine there is little goodwill to buy, because referrals follow the doctor. Orthodontics belongs to the dental family, and it behaves like it: patients belong to the practice, treatment books transfer, and practices change hands with genuine goodwill value. That is why up to 100% goodwill lending applies to orthodontic practice purchases, the same strength MedX Finance puts behind dentists. For an orthodontist, the practice is not just where you work. It is an asset you can buy, build and one day sell, and the lending should treat it that way.

A goodwill valuation, often premises alongside it, equipment and fitout, and a transition plan with the outgoing principal. With up to 100% goodwill lending and up to 100% of purchase price or valuation on owner-occupied premises, the deposit barrier that stops most business buyers is far lower for an eligible orthodontist. What decides the outcome is packaging: your income history, the practice's numbers and your structure presented to the lender that suits them best. That is the 48-hour lending strategy, and it comes before any commitment.

Orthodontics runs on long treatment cycles, with active treatment commonly spanning a year or two, and fees typically collected as a deposit plus instalments across the treatment. That produces a distinctive cash flow curve a generalist bank can misread, especially in a growing practice where new starts outpace completions. On the equipment side, the aligner era has reshaped the shopping list: CBCT and OPG imaging can run into six figures, and intraoral scanners sit in the tens of thousands each. Financed against the assets, in the entity that earns from them, the kit pays its own way.

Practice purchase. Up to 100% goodwill lending on practice purchases for eligible orthodontists. The headline advantage of the dental family.
Premises. Up to 100% of purchase price or valuation on owner-occupied practice premises.
Imaging and aligner-era equipment. CBCT, OPG, intraoral scanners and chairside kit, financed against the assets.
Fitout and working capital. Chairs, surgeries and the buffer that carries a growing treatment book's cash flow curve.
Home. Up to 95% LVR with no LMI under medico lending policy, sequenced properly around practice ownership plans.
Illustrative categories only, not financial advice. Eligibility, structures 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 your situation and goals. No credit check, no cost.
2. Within 48 hours: your lending strategy. Which lenders fit your stage and structure, what you can borrow, 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 through to the finish, and stay your broker for the loans that come after.