Finance designed for
health practitioners.
Allied health practices combine clinical expertise with complex business operations. From NDIS funding to multi-disciplinary service delivery, your finance needs are anything but generic. We fund acquisitions, equip clinics, and back sustainable growth for practitioners across Canberra and regional NSW.
Funding that reads a practice properly.
Allied health practices earn across private patients, Medicare, DVA, NDIS, workers compensation, and third-party insurers. We work with lenders who understand that revenue mix and how reliable it is — and we present your numbers so credit teams see the strength, not the unfamiliarity.
We're a small team working with a small number of clients. Based in Canberra, connected nationally. We structure first, then go to the right lenders. And if borrowing isn't the right move yet, we'll tell you when not to borrow.
Read the revenue
Private fees, Medicare, DVA, NDIS, and insurer billings each carry different reliability. We map them before any lender does.
Navigate NDIS funding
Plan funding and government contracts are predictable but complex. We manage the cash flow timing and compliance these sources demand.
Present multi-disciplinary models
Physio, OT, psychology, and speech pathology under one roof. We frame multi-disciplinary practices so lenders can properly assess them.
Leverage the income profile
Allied health professionals hold strong earning capacity. We use that across practice and personal finance to hold better terms.
How we help allied health practices.
From your first clinic acquisition to a multi-site, multi-disciplinary operation, every structure is designed around health services — not retrofitted from a generic business loan.
Practice Acquisition Finance
Funding to acquire an existing allied health practice — patient base goodwill, equipment, and referral relationships. We know how lenders assess health service businesses, and we present yours to match.
Equipment & Fitout Finance
Specialist lending for clinical equipment, rehabilitation technology, and practice fitouts. Repayment structures matched to the productive life of each asset.
Growth & Working Capital
Cash flow facilities to fund expansion — additional treatment rooms, new practitioners, NDIS registration, and clinic technology.
Partnership Transitions
Finance for practitioners joining or leaving a practice partnership. We structure equity transitions that work for all parties involved.
Clinical Premises
Finance to purchase purpose-built clinical space or convert commercial premises. Build equity in your practice location rather than paying rent.
Professional Protection
Income protection, key person cover, and business insurance designed around the specific risks and income profiles of allied health practitioners.
Generic brokers miss what matters most.
Allied health practices have unique funding dynamics. Here is what specialist knowledge changes about your outcome — at the structure, the valuation, and the rate.
Practices earn from private patients, Medicare, DVA, NDIS, workers compensation, and third-party insurers. We work with lenders who understand this revenue mix and its reliability.
NDIS plan funding and government contracts create predictable but complex revenue. We navigate the cash flow timing and compliance these funding sources demand.
Many practices run across physio, OT, psychology, and speech pathology. We present multi-disciplinary models in ways lenders can properly assess.
Allied health professionals have strong earning capacity. We leverage this when structuring both practice and personal finance to secure optimal lending terms.
Who we work with.
Physiotherapy practices acquiring or expanding clinics.
Psychology and counselling practices managing growth.
Occupational therapy businesses building NDIS capacity.
Speech pathology and audiology practice owners.
Multi-disciplinary health clinics expanding services.
Allied health practitioners transitioning to practice ownership.
Allied health finance, answered.
How is allied health finance different from a standard business loan?
Allied health lenders — those who focus on physiotherapy, dental, psychology, optometry, and similar practices — apply profession-specific credit policies that allow higher LVRs and less security than standard business lending. They understand that goodwill in a healthcare practice is stable and transferable in a way that other small business goodwill is not. This means better terms and fewer security requirements for qualified practitioners.
Can I get finance to buy an allied health practice without real property?
Yes, commonly. For established practitioners buying a profitable practice, most specialist lenders will go to 70–80% of the purchase price without real property security. The practice lease, goodwill, and your professional income act as the primary support for the loan. Lenders want to see 2+ years of practice financials, a clear transition plan if the vendor is leaving, and your professional registration documents.
What can allied health finance be used for?
Practice acquisition (buying an existing practice outright or buying in as a partner), partner buyouts (buying out a departing co-owner), fitout finance (new premises, renovation, equipment), working capital (bridging cash flow between billings and receipts), and debt consolidation. Each purpose has slightly different terms — acquisition loans are longer-term (5–10 years), fitout loans are typically 3–5 years, and working capital facilities may be revolving or term-based.
How long does approval take for allied health practice finance?
Most applications are straightforward if the paperwork is complete: 2–3 years of practice financials, tax returns, a signed contract of sale, and a copy of your professional registration. With a complete application package, indicative terms come back within 24–48 hours and formal approval within 2–3 weeks. We prepare the submission package before lodging, which avoids the back-and-forth that adds weeks to most applications.
Related finance.
Medical Practice Finance
Funding for GP and specialist practices that share the healthcare revenue profile.
FinanceBusiness Finance
Acquisition funding, working capital, and equipment finance for operators.
FinanceCommercial Property
Purchase, refinance, and equity release for owning your clinic premises.
Ready to discuss your practice?
Start the Conversation
Let's Talk About Your Allied Health Practice
Whether you're acquiring a practice, building NDIS capacity, or planning a partnership transition — we'd welcome the conversation.
Contact Details
Phone
02 6188 9849
info@blackmountainfinancial.com.au
Office
Level 1, 33 Allara Street
Canberra ACT 2601
Hours
Monday – Friday, 9am – 6pm
What to Expect
- Honest assessment of your options
- Response within 24 hours
- Strategic insight, not a sales pitch
- No obligation discussion