Finance question
Can I finance a medical or dental practice fit-out?
Yes. A medical or dental practice fit-out can be financed up to $500,000, with the surgery build and specialist equipment, chairs, imaging and sterilisation, funded together, often low-doc and repaid over a term.
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The short answer
Fit out the practice and fund the equipment together
A clinic fit-out combines two big costs, the build itself and the specialist equipment, from dental chairs and imaging to sterilisation and treatment room joinery. Both can be financed together up to $500,000 and repaid over a term, so the practice is paid off as it sees patients rather than in cash before it opens. That keeps the launch from resting on a single large outlay.
Healthcare equipment is strong security and holds value, which helps approvals. Many deals run low-doc or no-doc with approvals inside 24 to 48 hours, without full financials, which suits practitioners whose income is strong but whose paperwork takes time to assemble. It also fits associates and new principals who are opening their own rooms for the first time.
Ventas is a broker across 40+ lenders, not a single bank with one policy. We match your practice, your specialty and your paperwork to the lender most likely to fund it, subject to lender assessment. There is no upfront fee to you; the lender pays us on settlement, so our job is to structure the deal and advocate for approval on the right terms.
Do you qualify?
What a practice fit-out deal usually needs.
Specialist equipment
Chairs, imaging and sterilisation to secure the loan.
The surgery build
Treatment rooms, joinery and practice fit-out.
An active ABN
Sole traders and companies both qualify.
Low-doc friendly
Many deals settle without full financials.
Why medical and dental fit-outs finance well
Equipment holds value
Clinical gear is strong security, so lenders are comfortable.
Build and gear together
The fit-out and specialist equipment fund in one facility.
Cash stays working
Keep capital for staff and running costs, not the build.
A real example
A dentist opening a second location needs $200,000 for two chairs, imaging, sterilisation and the surgery fit-out. Financed low-doc rather than paid in cash, approved inside 48 hours and repaid over a term as the practice books patients. The specialist equipment and the build were funded in the one facility. Illustrative only.
Common questions
Frequently asked questions
Can specialist equipment be included?
Yes. Chairs, imaging and sterilisation can be funded alongside the fit-out up to $500,000.
Do I need full financials?
Often no. Many practice deals run low-doc or no-doc, subject to lender assessment.
Do I need to own the rooms?
No. Leaseholders can finance a practice fit-out; the build and equipment secure the loan.
Can I finance used equipment?
Often yes, where the gear holds value and meets the lender's criteria, so quality second-hand chairs or imaging can be funded alongside new items.