Medical and dental equipment finance
Imaging, dental chairs, surgical and diagnostic equipment, and clinic fit-outs — financed on terms that recognise how medical professionals are assessed.
Medical and allied-health professionals are well regarded by lenders, which often means stronger terms and lighter paperwork than other industries. We arrange chattel mortgage finance for equipment and fit-outs — and can line it up alongside your accountant so the tax treatment works.
Who it's for
Dentists, GPs, allied health, cosmetic clinics and veterinarians.
Lenders that understand medical professionals
Established practitioners are often eligible for low-doc finance into six figures without full financial statements, because lenders recognise the stability of the profession. Dentists, GPs, specialists, allied health and vets are typically viewed as strong credit. The exact limit depends on your situation — we'll match you to the lender offering the strongest terms for your circumstances.
Finance the whole practice fit-out in one facility
A new clinic or a refurbishment is rarely a single item — it's chairs, cabinetry, sterilisation, imaging, reception and IT. These can usually be packaged into one chattel mortgage with a single repayment, so you open the practice with your cash reserves intact for staff, marketing and the ramp-up to a full appointment book.
A balloon keeps repayments low while the book fills
Medical equipment earns for many years, so a balloon (residual) — commonly around 30% — lowers the monthly repayment and protects cash flow in the early months while patient numbers build. At the end of the term you refinance the balloon, pay it out, or upgrade as technology moves on.
Equipment for a new room, a second site or a buy-in
Whether you're adding a treatment room, opening a second location, or buying into an existing practice, the equipment side can be financed on a chattel mortgage so the capital you'd otherwise sink into gear stays available for the bigger commitments. We'll structure it alongside your accountant's plan.
Own the equipment, claim the GST and depreciation
On a chattel mortgage your practice owns the equipment from day one, so you can generally claim the GST input tax credit on the purchase and depreciate it over time. For high-value diagnostic and surgical equipment that's typically a meaningful deduction. Always confirm the specifics with your accountant.
Talk to a specialist
Get a competitive rate and the right structure for your next asset. No obligation, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up a competitive rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Real rates today typically sit in the 6–9% range depending on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
Yes. Imaging and diagnostic equipment, dental chairs and clinic fit-outs all hold value well, which lenders view favourably. We arrange these on a chattel mortgage so you own the equipment and can claim GST and depreciation — confirm the tax detail with your accountant.
Explore more finance
Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.