Medical Practice Loans
Purpose-built finance solutions for medical professionals. From practice acquisition and premises purchase to equipment funding and working capital.
Key Features
High LVR Options
Up to 100% LVR for owner-occupied medical premises
Practice Acquisition
Funding for practice purchase including goodwill value
Equipment Finance
100% equipment funding with terms up to 7 years
SMSF Lending
SMSF property loans up to 90% LVR for medical professionals
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationFinance Designed for Medical Professionals
Medical practice finance recognises the unique position of healthcare professionals. Stable income from Medicare, private billing, and long-term patient relationships make medical practices attractive borrowers. Our specialist lenders offer enhanced terms including higher LVRs and practice-specific assessment criteria.
Whether you are acquiring an established practice, purchasing premises for your clinic, or funding equipment and fit-out, we structure finance that aligns with medical practice cash flows and growth patterns.
Practice Acquisition Funding
Acquiring a medical practice involves valuing goodwill, patient lists, and future earnings potential. Our lenders understand healthcare practice valuations and can fund acquisitions based on practice EBITDA rather than traditional property-only metrics.
Typical leverage of up to 5x EBITDA is available for quality practices with secured funding (GSA/BSA). This allows experienced practitioners to acquire established practices with manageable equity contributions.
Premises and Equipment
Owner-occupied medical premises can be financed at up to 100% LVR with supporting lenders. This recognises the stability of medical income and the importance of purpose-built premises for practice operations.
Equipment and fit-out finance is available at 100% with terms up to 7 years. This includes diagnostic equipment, treatment chairs, imaging systems, and practice management technology. Lease term requirements apply — the facility lease must extend beyond the equipment loan term.
Discuss Your Medical Practice Loans Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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Start your application today and get a response within 24 hours from our finance specialists.