Practice finance built around how medical professionals actually earn.

Lenders that focus on the medical sector have decades of default data showing accredited practitioners default at substantially lower rates than general SME borrowers. They price that risk profile into the program. Eligibility usually requires an accredited qualification (medical, dental, optometry, allied health) and a minimum period in practice.

Yes, and you usually should. The same specialist lender often funds the practice goodwill, the equipment, and the premises at coordinated rates. We work the package together rather than running three separate applications.

It depends on the practice setup, your tax position, and whether other practitioners or family members are involved. Common structures include holding the property in a unit trust or SMSF and leasing it to your operating entity. We coordinate with your accountant and lawyer rather than recommending a structure in isolation.

Health-fund and worker's-comp receivables can run 30 to 90 days, depending on the fund and submission process. For specialist practices with high receivables exposure, confidential invoice discounting against the receivable book is sometimes the cleanest cashflow tool.

Not as hard as you'd expect. Several lenders have new-fellow programs that recognise long-term earning potential rather than just two years of trading. Pricing can be very close to fully-tenured practitioner rates if the program fits.