Finance question
Equipment finance for physios and allied health?
Yes. Treatment tables, ultrasound and shockwave units, Pilates reformers, exercise equipment and full clinic fit-outs all finance as allied-health equipment, secured against the gear rather than clinic cash. Deals often settle low-doc or no-doc, which suits sole practitioners, and we place them across 40+ lenders with no upfront fee to you.
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The short answer
Kit out the clinic without draining the practice
Opening or expanding an allied-health clinic is equipment-heavy from day one. Treatment tables, a shockwave or ultrasound unit, a rehab gym, a bank of Pilates reformers and the fit-out itself add up quickly. Paying cash leaves a young practice short on the reserves it needs for rent and reception wages. Equipment finance spreads the cost over the working life of the gear.
The equipment secures the loan, so the paperwork stays light. Many physio and allied-health deals settle low-doc or no-doc on an active ABN, often with no financials, which suits a sole practitioner or a small partnership without years of accounts. Tables, machines and fit-out can frequently sit on the one facility.
As a broker we work across 40+ lenders, and several look favourably on allied-health practitioners and the clinics they run. We match your situation and the asset to the lender most likely to approve, structure the deal properly and advocate for it, and the lender pays us on settlement, so there is no upfront fee to you.
Do you qualify?
What an allied-health deal usually needs.
The clinic asset
Treatment tables, shockwave, ultrasound, reformers or fit-out to secure it.
An active ABN
Sole practitioners, partnerships and companies all qualify.
Practitioner profile
Some lenders lend on the strength of the health profession itself.
Deposit optional
Often none needed, which keeps clinic cash intact.
Why clinics finance equipment instead of paying cash
Reserves stay in the clinic
Keep cash for rent, reception and the slow early months.
Secured by the equipment
The gear carries the risk, so personal assets usually stay clear.
Fit out in one facility
Tables, machines and fit-out can often be financed together.
A real example
A physio opening a rehab studio needs treatment tables, a shockwave unit and six Pilates reformers, plus fit-out, totalling around $70,000. Rather than spend the launch reserves, it is financed low-doc, secured on the equipment. Approved without full financials, the studio opens on schedule and the gear pays for itself from bookings. Illustrative only.
Common questions
Frequently asked questions
Can a sole-practitioner physio get equipment finance?
Often yes. Sole traders qualify low-doc on an active ABN, with the equipment as security, subject to lender assessment.
Can I finance the fit-out as well as the machines?
Frequently yes. Tables, therapy units, reformers and fit-out works can be financed together on one facility.
Do lenders treat allied-health practitioners favourably?
Often yes. Some lenders have appetite for health professionals and can lend on the strength of the profession.
Do I need financials to open a clinic?
Often no. Many deals settle low-doc or no-doc on the ABN, with the gear securing the loan.