Finance for radiologists

Because the practice is built around machines few other businesses ever buy. A new MRI system is typically a seven-figure purchase once installed. CT is commonly a high six-figure to seven-figure purchase, and even the workhorse modalities, ultrasound and X-ray, sit in the tens to hundreds of thousands per unit. Then the building has to hold it all: radiation shielding, reinforced slabs and structural work that a generic fitout never faces. Funding that stack well takes lenders who understand imaging assets and a broker who can spread the structure across more than one of them.

Radiology is a group specialty. Practices are commonly owned by several radiologists through companies, trusts and unit structures, with individual radiologists billing in their own name and paying service fees to the practice entity. Lenders assess that income well only when it is presented properly; read naively, service fees look like cost rather than structure. And because referrals follow the doctor, there is typically little goodwill in specialist practice, so buy-ins are priced around equity, premises and equipment. MedX Finance works with these structures constantly, for first buy-ins, partner retirements and multi-site expansions.

An imaging fleet is never finished. Major modalities are typically refreshed on multi-year cycles as technology and referrer expectations move, which means a radiology group is almost always mid-cycle on something. The goal is finance terms matched to each asset's earning life, spread across lenders so no single exposure caps the group's next move. With 45+ lenders, MedX Finance can structure the fleet as a portfolio rather than a pile of one-off loans, and a 48-hour lending strategy shows you what that looks like before you commit to anything.

Imaging equipment. MRI, CT, ultrasound, X-ray, mammography and interventional suites, financed against the assets and matched to their working lives.
Premises. Purpose-built space with shielding and structural requirements. Up to 100% of purchase price or valuation on owner-occupied practice premises.
Fitout. Shielded rooms, patient flow, reporting suites and IT that carries the imaging workload.
Buy-ins and group equity. Little goodwill, so buy-ins are structured around equity, premises and equipment, across however many entities the group runs.
Home. Up to 95% LVR with no LMI under medico lending policy, kept clean and separate from the practice stack.
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.