Business lending solutions encompass working capital and commercial property financing, specifically designed to meet the unique financial needs of healthcare professionals.
Whether you’re growing your clinic, upgrading equipment, or handling daily operations, we offer funding options tailored to your professional objectives. Additionally, we provide non-healthcare business lending for healthcare professionals seeking to diversify their business interests or property portfolios.
Unlike residential lending, which follows strict and standardised policies, business lending offers greater flexibility to accommodate the unique and evolving needs of healthcare professionals and their practices.
Our skilled and knowledgeable team is well-versed in the unique financial requirements and lending policies relevant to healthcare professionals. Drawing on extensive experience and a strong understanding of lender policy, we are equipped to navigate the complexities of business lending on your behalf.
We’ll work closely with you to identify the most suitable financing options for your practice or associated business opportunities—efficiently and with confidence.
Whether you’re looking to buy, develop, or invest in commercial property, we provide finance solutions tailored to the needs of healthcare professionals. Our goal is to ensure you have the funding and expert guidance required to succeed every step of the way.
We offer financing options to help you purchase and grow your healthcare practice or business. With the right capital in place, you can take important steps forward confidently, knowing you have the resources to achieve your professional and financial goals.
Effective cash flow management is vital to keeping your healthcare practice running smoothly. Our tailored working capital solutions provide the funds you need to cover daily expenses, pay staff, and invest in the growth of your practice. With the right financial support, your business can remain strong and resilient in a competitive healthcare market.
Refinancing your business debts can help simplify your finances and reduce interest costs, providing greater financial flexibility. We work with you to identify the best refinancing options to help your practice regain financial control and stability.
Leverage your retirement savings to invest in property and assets relevant to your financial goals. With extensive experience in SMSF structures and lending tailored to healthcare professionals, we make the process straightforward and efficient, helping you grow your nest egg wisely.
Most of the time, nothing. The lenders pay us. In rare instances we will charge a fee for service but we will clearly articulate this prior to progressing with the application.
This can vary depending various factors including the loan type, purpose and amount. There are fast track options available which require minimal information including Business Activity Statements, self-declared business income verification and a personal statement of position. Generally applications for larger loans ($2m+) will require a more comprehensive suite of financial information including, but not limited to, two years of financial reports, tax returns, personal statement of position and ATO portals.
Application and approval times can range from a few days to several weeks, depending on the loan complexity and required documentation. We will be able to provide indicative turnaround times once we understand your specific situation and requirements.
Yes, we offer loans for startups, but they may require a more detailed business plan and higher scrutiny of your personal situation. Lenders seek comfort by sharing the ‘start up’ risk with you so more often than not, security in the form of property or a cash contribution will be required.
Interest rates vary based on the loan type, amount, term, your creditworthiness and the security position. Lenders will assess their risk based on these factors and provide an indicative quote accordingly. We negotiate with the lenders on your behalf to obtain the best rate possible for your situation.
Usually, yes. Fees may include application fees, valuation or legal fees, and ongoing maintenance fees. The beauty of using a broker is our ability to negotiate the reduction or possible waiver of some of these fees.
Secured loans require collateral (property, cash or business assets) to secure the debt, while unsecured loans do not. Secured loans often have lower interest rates due to the reduced risk for the lender. Unsecured loans place a larger focus and reliance on cash flow within the business to support and mitigate the increased risk to the lender.