Medical Practice Finance

Three things, broadly: buying an established practice, starting one from scratch, and growing or refreshing the one you have. Each path uses different loan structures, different security, and often different lenders. The mistake we see most is a practice owner walking into their everyday bank and getting a generic business loan for a very non-generic business. A specialist starts from the medical policy settings, not the small-business template.

Goodwill is the value of a practice beyond its equipment and fitout: the patient base, the recurring revenue, the reputation. Most businesses cannot borrow against it. Medical, dental and veterinary practices can, and eligible medical professionals can access up to 100% goodwill lending on practice purchases. Every lender approaches goodwill differently, which is exactly the power of MedX Finance: we take your deal across multiple lenders and diverse policies rather than one bank's view. The full picture is on buying a medical practice.

Doctors, dentists and vets are the core of every medico lending policy, whether you are an associate buying in, a partner buying out, or an owner expanding. Your profession shapes which lenders and structures fit, so start from your page: finance for doctors, finance for dentists or finance for vets. How your income is presented is the critical piece, and it is different for a salaried registrar than for a practice owner with three entities.

Buy. Acquire an established practice and its cash flow from day one, with up to 100% goodwill lending on the purchase. Start with buying a medical practice.
Start. Build the practice you actually want, with funding for the fitout, the equipment and the working capital to carry you while patient numbers build. Start with starting a medical practice.
Grow. New rooms, a second site, or a refresh of the current one, funded in a single customised package. Start with practice fitout finance.
General information 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 the practice, your goals and your numbers. No credit check, no cost.
2. Within 48 hours: your lending strategy. Which lenders fit the deal, what you can borrow, and how the structure should look.
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 keys. We coordinate with your accountant and solicitor through to settlement, and stay your specialist for the lending that comes after.