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Private Lending for Medical Clinics
Private Lending for Medical Clinics
Fast, asset-backed funding for healthcare professionals and investors. Innovate Funding provides private lending for medical clinics, dental practices and allied health businesses across Australia. Use our facilities to purchase a practice, expand treatment rooms, complete a fit-out or refinance existing debt. Loans are NCCP-exempt, entity-only, and can settle in as little as 2 to 3 business days subject to valuation and complete documents.
Why medical practices choose Innovate Funding
- Indicative approval in approximately 24 hours
- Asset-backed facilities that focus on equity and exit feasibility
- Minimal documentation
- First mortgage, second mortgage and cross-collateral options
- Australia-wide coverage across metro and regional locations
How private lending helps clinics
- Acquire a practice or freehold when bank timing does not suit
- Fit-out and equipment funding using staged drawdowns where required
- Refinance or consolidate to simplify repayments before moving back to a bank
- Bridge a short-term gap until Medicare billings or private revenue stabilise
Typical loan parameters
Parameter | Details |
Loan amount | $50,000 to $20,000,000+ |
LVR range | 50% to 75% based on as-is or as-if-complete valuation |
Term | 3 to 24 months, interest-only or tailored |
Security | Commercial property or residential investment property |
Exit | Sale, refinance to a bank, or stable practice cashflow |
Example scenario
Melbourne, VIC: $1,250,000 second mortgage at 65% overall LVR to acquire a second dental clinic and install new chairs. Indicative terms in 24 hours, settlement in 6 business days. Refinance to a major bank nine months later after patient list growth.
Contact Innovate Funding
Speak with a lending specialist for an indicative offer today.
Address: 45 Denison Street, Bondi Junction NSW 2022
Phone: 02 8919 3639
Email: deals@innovatefunding.com.au
Frequently asked questions
1) Are medical practice loans NCCP-exempt?
Yes. Loans are for business purposes and must be borrowed by an entity such as a company or trust.
2) How fast can you settle?
Most facilities settle within 2 to 3 business days once valuation and documents are complete.
3) Do you accept second mortgages?
Yes, subject to equity, consent and a clear exit strategy.
4) What security is acceptable?
Commercial property and residential investment property. Cross-collateral structures are considered.
5) Can I repay early?
Early repayment is usually permitted. Ask about any minimum term or pro-rata fees.