Finance question
Equipment finance for medical and dental practices?
Yes. Dental chairs, imaging and OPG units, sterilisers, patient monitors and full surgery fit-outs all finance as medical equipment, secured against the gear rather than practice cash. Deals often settle low-doc or no-doc, which suits busy clinicians, and we place them across 40+ lenders with no upfront fee to you.
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The short answer
Re-equip the surgery, keep the practice liquid
Clinical equipment is expensive and it dates. A new dental chair, an OPG or intraoral imaging unit, a steriliser or a fresh surgery fit-out can run well into six figures. Paying cash pulls capital out of a practice that still has to make payroll, rent and consumable orders. Equipment finance spreads the cost across the working life of the gear so the practice stays liquid.
The equipment secures the loan, so the paperwork is light. Many practice deals settle low-doc or no-doc on an active ABN, often with no financials, which suits a principal or associate who does not want to compile returns between patients. Multiple items, from the chair to the imaging to the fit-out, can often sit on one facility.
As a broker we work across 40+ lenders, several of which have specific appetite for medical and dental practices and the clinicians behind them. We match your profile and the asset to the lender most likely to approve, structure the deal and advocate for it, and the lender pays us on settlement, so there is no upfront fee to you.
Do you qualify?
What a practice deal usually needs.
The clinical asset
Dental chair, imaging unit, steriliser, monitor or fit-out to secure it.
An active ABN
Principals, associates and practice companies all qualify.
Clinician profile
Some lenders lend on the strength of the profession itself.
Deposit optional
Often none needed, which keeps practice cash intact.
Why practices finance equipment instead of paying cash
Capital stays in the practice
Keep cash for staff, rent and consumables, not tied up in a chair.
Secured by the equipment
The clinical asset carries the risk, so personal assets usually stay clear.
Package the whole surgery
Chair, imaging and fit-out can often go on a single facility.
A real example
A dentist opening a second room needs a $45,000 chair, an OPG imaging unit and a fit-out totalling around $150,000. Rather than draw down practice reserves, the package is financed low-doc, secured on the equipment. Approved without full financials, the room opens on time and the gear pays for itself from patient throughput. Illustrative only.
Common questions
Frequently asked questions
Can I finance a full surgery fit-out, not just equipment?
Frequently yes. Chairs, imaging, sterilisation and fit-out works can be financed together on one facility, subject to assessment.
Do lenders treat clinicians differently?
Often yes. Some lenders have specific appetite for medical and dental professionals and can lend on the strength of the profession.
Do I need financials to re-equip the practice?
Often no. Many deals settle low-doc or no-doc on an active ABN, with the equipment as security.
Can I finance imaging and diagnostic equipment?
Usually yes, including OPG and intraoral imaging. Newer units finance easily; older ones can narrow the lenders.