Finance built for
medical professionals.
A medical practice runs on clinical excellence and complex business operations. Your funding should read the stability of healthcare revenue — not bolt on generic small business criteria. We fund acquisitions, equip practices, and back sustainable growth for practitioners across Canberra and regional NSW.
Funding that reads a practice properly.
Medical practices generate revenue through Medicare, private billing, and procedural income. We work with lenders who understand those streams and how reliable they are — 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
Medicare, private billing, and procedural income each carry different reliability. We map them before any lender does.
Present the goodwill
Patient base, location, practitioner mix, and billing history drive practice value. We put them to lenders who understand healthcare.
Factor the regulatory load
RACGP accreditation, practice incentive payments, and compliance are material. We build them into the funding structure.
Leverage the income profile
Doctors hold strong, stable incomes. We use that across both practice and personal finance to hold better terms.
How we help medical practices.
From acquiring your first practice to building a multi-site operation, every structure is designed around healthcare — not retrofitted from a generic business loan.
Practice Acquisition Finance
Funding to acquire an existing practice — patient base goodwill, equipment, and premises. We know how lenders value healthcare businesses, and we present yours to match.
Equipment & Fitout Finance
Specialist lending for medical equipment, diagnostic technology, and practice fitouts. Repayment matched to the asset's productive life, often at lower rates because the asset is security.
Growth & Working Capital
Cash flow facilities to fund expansion — extra consulting rooms, new practitioners, extended hours, and technology platforms.
Partnership Transitions
Finance for doctors joining or leaving a practice partnership. We structure equity transitions that work for incoming and outgoing partners alike.
Medical Premises
Finance to buy purpose-built medical suites or convert commercial space. Build equity in your location rather than paying rent.
Professional Protection
Income protection, key person cover, and business insurance built around the specific risks and income profiles of medical practitioners.
Generic brokers don't understand healthcare.
Here is what specialist knowledge changes about your outcome — at the structure, the valuation, and the rate.
Practices earn through Medicare, private billing, and procedural income. We work with lenders who understand these diverse streams and their reliability.
Patient base, location, practitioner mix, and billing history all factor into a medical valuation. We present them properly to lenders who understand healthcare.
RACGP accreditation, practice incentive payments, and compliance are material to practice economics. We factor them into every funding structure.
Doctors hold strong, stable incomes. We leverage that across both practice and personal finance to secure optimal terms.
Who we work with.
GPs acquiring their first practice or joining an existing one.
Specialist practices expanding facilities or services.
Medical centre operators building or acquiring premises.
Doctors transitioning from employee to practice owner.
Multi-practitioner practices managing partnership changes.
Retiring practitioners planning succession and exit.
Medical practice finance, answered.
Can I get a practice loan without owning property?
Yes. Medical and dental practitioners are among the few borrower categories where mainstream non-bank lenders will provide significant unsecured or partially secured lending — typically up to $1–2M without real property, based on income, professional registration, and practice revenue. For larger amounts or practice acquisition, some lenders will take a charge over the practice lease and goodwill. The LVR and rate depend on the loan purpose and the practice's financial position.
How is practice acquisition finance structured for medical practitioners?
Most practice acquisitions are funded at 70–80% of the purchase price (including goodwill), with the balance contributed by the buyer. Lenders assess the practice's historical EBIT, patient numbers, referral dependency, and whether the vendor is staying on during a handover period. A vendor handover period of 6–12 months significantly improves lender confidence. The loan term is typically 5–10 years, with repayments structured around the practice's cash flow.
Can I finance a medical fitout or equipment purchase through the same facility?
Yes. Equipment and fitout finance is usually structured separately from the practice acquisition or working capital loan — either as an asset finance facility (chattel mortgage or lease) or as an additional term loan. Interest rates for equipment finance are typically lower than general business loans because the equipment itself is security. We can package these into a single application to streamline the approval process.
What's the maximum I can borrow for a medical practice purchase?
For GP practices and specialist clinics, most non-bank lenders will go to $3–5M without property security, subject to the practice's financial history and the borrower's income. With residential or commercial property as additional security, this can extend to $10M+. The key constraint is usually serviceability — lenders model the loan repayments against the practice's net income after owner's drawings, not just revenue.
Ready to discuss your practice?
Start the Conversation
Let's Talk About Your Practice
Whether you're acquiring a medical practice, expanding your facilities, 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