Commercial Loans for medicos

Medical Practitioners Finance

  • Up to 100% finance on practice premises
  • Up to 100% goodwill funding against enterprise value (EBITDA multiple)
  • Up to 90% no Lenders mortgage insurance on residential property
  • This policy is available to GPs, specialists, dentists & vets. Broadly speaking, you must have been practicing at least 2 years, clear AHPRA registration, tax up to date.

100% Medico Commercial Loans

Tell us what you’d like and we’ll get it priced for you fast.

Commercial Property Loans

Finance for Practice Premises

Finance for Practice Only

Finance for medical equipment

In fact any type of Medical Finance

100% Low Doc Medico Express Practice and Set up Loans


Fast Approvals

and Less Paperwork

Call us now or fill out the fast medical commercial loan quote form

Less paperwork required:-

  • quotes for fitout/equipment required
  • Very light paperwork
  • Generally up to $500,000 under Low Doc policy. Can go in the millions with more documentation.


Medical Practitioner Guidelines

Up to 100% Finance to approved purchasers.


Purchasing Practice and Premises (Up to 100% LVR of purchase price*).


Practice only (Up to 100% LVR of Enterprise Value*).

*Lenders have fees and charges. Terms and conditions apply.

Must be registered with State Office of the AHPRA, Veterinary Board, Licensed.

Call us now or enquire online.


Commercial Term Loans

Practice Premises (for owner occupiers).

Subject to first registered charge being held over both the practice and premises.

Valuation Amount

Up to $2.m

90% LVR of market value interest only

100% LVR P/I for major metropolitan areas

$2m to $2.4m

Up to $1.8m interest only

Up to $1.9m P/I for major metropolitan areas


Up to 75% of market value interest only

Up to $1.9m P/I for major metropolitan areas


Practice Only (leasehold practice where the premises are tenanted and a formal lease is in place).

Valuation Amount

Up to $1.m

70% LVR of enterprise value interest only

100% LVR of enterprise value, P/I for major metropolitan areas

$1m to $1.4m

70% LVR of enterprise value interest only

Up to $1.m of enterprise value P/I for major metropolitan areas


70% LVR of enterprise value interest only

70% LVR of enterprise value P/I

The above is a guide only.

Market Value is the estimated value at which the property can be sold. (A willing buyer from a willing seller, over a normal sale period).

Enterprise value is the current market value of the practice on a going concern basis. this is calculated bu capitalising the future manageable earnings determined from a minimum of the practice’s last two years financial results, as adjusted by the valuer to normalise, and taking into account changed circumstances.



June Special

75% Commercial Loans

4.89%  3 Year Fixed

  • No Application Fee


80% Commercial Loans

  • 5.9% Indicative
  • Up to $1m


SMSF Commercial Loans

4.7%  3 Year Fixed

  • No SMSF Application Fee
  • Minimum loan size is $500,000 plus for smsf commercial loans
  • Purchases only
  • The SMSF itself must have a minimum of $300,000 in Net Assets

Loan must settle before end of March

Small Business Car Loans


  • Business use only
  • Full Doc, Clean credit
  • Motor Vehicles, 3 years to new
  • $395 Establishment Fee and $8PPSR
  • Maximum term 60 months
  • Maximum balloon 20%
  • Terms and Conditions Apply. Call us now to find out more.

For even more value, if your loan is over $1m, combine this with one of our promotions.


Applies to both Commercial Loans and SMSF Commercial Loans

Terms and Conditions Apply. The No Application Fee promotion only applies to some selected commercial loans. Call us now to find out more.

Fast Commercial Loans

Fast Commercial Loans Australia wide

If you are looking for a commercial loan approval within 48 hours then can you say “yes” to the following questions?

  • Do you own a commercial property?
  • Do you want to borrow less than 65% of the Commercial property value?
  • Do you own and operate the main trading entity that has been trading for more than one financial year?
  • Can you provide self-declared financials to establish profitable operations, and a capacity to service the debt?
  • Can you provide a current BAS statement to support your self-declared financials? This statement must support your annual turnover and net profits that have been provided.
  • Do you have a clear Credit report
  • Do you have no statutory payments outstanding e.g. ATO arrears, GST, payroll tax.

If you can say “yes” to the above then we may have someone that is able to help you with a commercial loan quickly.

Please call us.


80% Commercial Loans

An 80% Commercial loan is a difficult loan to obtain. It may be possible for extremely strong clients.  This type of loan is completely discretionary, and is only done on a full document basis.

Generally, it is for commercial loans less than $1m.

Documentation requested will include

  • Copies of the directors personal tax returns for two years
  • Copies of the company tax returns for two years, and full financials
  • Copies of cheque account bank statements over the last 4-6 months and details of any overdraft facilities etc
  • Copy of ATO Integrated Client account Running balance statement for company to ascertain its current tax position
  • Schedule of current lease/hp facilities.
  • Current debtor and creditor ageing list

Factors considered when assessing this type of commercial loan, will be strength of customer, overall net position, other real estate owned. cash flows, and future cash flows.

Capitalised Interest

If you are looking for  a commercial loan have you considered a facility where interest is capitalised?

Interest is capitalised when it is not paid month to month and is instead paid at the end of the loan.

This is a scenario that may appeal to you.

A purchase of an office block by a syndicate plus

capitalised interest, plus

lease incentives, plus

funds for capital expenditure.

All done up to a maximum loan to value ratio of 70%

This type of commercial loan may be available as long as the loan size is above $3m. 

Want to know more?

Call us, or fill out your scenario using the contact form and we will come back to you within 24 hours.






1300 LOW DOC

1300 569 362

We specialise in both Low Doc and Full Doc commercial loans

Sydney Phone

High Yielding Commercial Properties


From 4.89%

for 3 year fixed full document commercial loans, with no ongoing fees.

Today’s commercial loan rates

Note: these rates are updated daily

For the best commercial loans

Australia wide

Call us
9am to 9pm

Monday to Friday AEST

Sydney Real Estate Agents

80% LVR

Low Doc Commercial Loans

Low Doc Commercial Loans

Commercial Car Loans

Commercial Car Loans

SMSF Commercial Loans

SMSF Commercial Loans