Fund essential medical equipment with a structure that protects cash flow, reduces tax friction, and keeps your approvals moving.
Medical asset finance is funding for equipment like imaging, dental chairs, practice fit outs, vehicles, and technology—without draining working capital. The real challenge isn’t just getting a “yes”; it’s choosing a facility that matches how a medical practice earns, claims expenses, and manages upgrades. We help Melbourne medical professionals finance assets with lending advice and tax-aware structuring so the numbers work now and still make sense at year-end.
IS THIS RIGHT FOR YOU?
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You’re upgrading or replacing equipment and don’t want to wipe out cash reserves (or your offset).
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You’re expanding rooms, adding a new service line, or opening another location and need assets funded fast.
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You’re unsure whether to buy outright, lease, or use a chattel mortgage—and you want the tax side clean.
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You need approvals that respect real income patterns (contractor income, service fees, Medicare/insurer timing).
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You want to separate personal borrowing capacity from business growth (and avoid messy cross-collateralisation).
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You’re buying a high-ticket item (imaging, lab equipment) and want a plan for end-of-life, resale, and upgrades.
HOW IT WORKS
- Asset + outcome mapping
We clarify what you’re buying, why, and how it supports revenue, efficiency, or compliance—then match the funding to that goal. - Structure options (with tax in mind)
We compare options like chattel mortgage, finance lease, operating lease, or equipment loan—then align ownership, GST, and deductibility with your entity setup. - Lender selection + approval strategy
We package the application around how medical income actually works, using the right evidence and a lender that understands your profile. - Settlement + supplier coordination
We manage timing with invoices, delivery, progress payments (if relevant), and documentation so you’re not chasing paperwork mid-clinic. - Ongoing review
We check in when rates shift, you’re scaling, or you’re planning the next purchase—so your facilities don’t become a patchwork of mismatched terms.
WHAT MAKES US DIFFERENT
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Tax + lending under one roof → fewer surprises at EOFY
We don’t just fund the asset; we structure it so the tax treatment and record keeping are straightforward. -
Cash flow first → facilities that fit real clinic rhythms
We focus on repayments that suit billing cycles, insurer/Medicare timing, and contractor vs employee mixes. -
Cleaner structures → less “personal spillover”
Where possible, we avoid unnecessary personal guarantees, cross-securitisation, and tangled ownership. -
Melbourne-based, advice-led → not a churn-and-burn brokerage
We act like an ongoing advisory partner, not a one-off transaction.
Frequently asked questions
What types of equipment can you finance?
Most medical and practice assets: dental/medical chairs, imaging, ultrasound, sterilisation equipment, practice IT, vehicles, and even fit-out components depending on the lender and invoice structure. If it can be clearly invoiced and valued, there’s usually a pathway.
Is it better to buy outright or finance it?
Buying outright is simplest, but it can hurt liquidity—especially when you need working capital for staff, stock, or expansion. Finance can preserve cash and (depending on structure) smooth deductions over time. We’ll compare the after-tax cost and the cash flow impact, not just the interest rate.
What’s the difference between a chattel mortgage and a lease?
In plain terms: a chattel mortgage usually means you own the asset from day one (common for equipment and vehicles), while a lease can change who “owns” it for accounting/tax purposes and how payments are treated. The right choice depends on your entity, GST position, and how long you’ll keep the equipment.
How fast can this be approved?
For straightforward equipment and clean docs, approvals can be quick—sometimes within days. Higher-value assets, complex entity structures, or new practices can take longer. We’ll tell you upfront what’s realistic and what will slow it down.
Do I need to provide a personal guarantee?
Often yes—especially for smaller businesses or newer entities—but not always, and terms vary widely by lender and asset type. Our job is to minimise unnecessary exposure and keep the structure clean.
Next Step
If you’re looking at new equipment, expansion, or replacing something critical, a short strategy session can save you months of messy repayments and tax confusion. We’ll map the asset, pick the right structure, and confirm what lenders will actually support—before you commit.
Chat with DFG today
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