Secure the right funding for your medical practice while protecting cash flow, minimising tax friction, and keeping your next move flexible.
Medical practices have “good income” on paper, but lenders don’t always assess it the way you expect especially when trust structures, service entity fees, partner drawings, or recent practice changes are involved. We help Melbourne medical professionals structure and fund practice purchases, fit outs, equipment, property, and working capital with a lending strategy that aligns with your accounting and tax position. The goal is clear approvals, smoother cash flow, and fewer surprises later.
IS THIS RIGHT FOR YOU?
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You’re buying into a practice and you’re unsure how lenders will view drawings, service fees, or partnership income.
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You’re planning a fit out or expansion and don’t want to drain cash reserves or create a tax mess.
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You need new equipment or vehicles and want the most sensible structure (not just the lowest rate).
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You’re refinancing existing practice debt and want to reduce repayments or free up working capital.
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You’re purchasing a medical rooms property and want the loan, entity structure, and lease arrangement done properly.
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You’ve been declined or offered a low limit and you suspect the deal wasn’t packaged correctly.
HOW IT WORKS
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Strategy Session (finance + tax lens)
We map your goal (buy in, fit out, purchase rooms, refinance) and identify the real constraints: servicing, security, structure, and timing. -
Financials & Structure Review
We review your income evidence, entity setup, debt, and cash flow. If changes are needed (e.g., clean add backs, normalise expenses, adjust drawings), we flag them early. -
Funding Structure & Options
We design the right structure: term loan vs line of credit, equipment finance, fit out funding, commercial property lending, or a mix—based on risk, flexibility, and tax impact. -
Lender Match & Packaging
We select lenders that understand medical practices and submit a properly packaged application so your story is clear, consistent, and lender ready. -
Approval to Settlement + Ongoing Review
We manage conditions, valuation, docs, and settlement. Post settlement, we review the structure annually so it keeps working as your practice grows.
WHAT MAKES US DIFFERENT
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Integrated lending + accounting perspective → fewer funding “gotchas”
We align the loan with your tax position and financials so the lender story matches what your accountant lodges. -
Cash flow first → funding that supports your practice, not strains it
We stress test repayments against real practice cash flow, not just best case projections. -
Structure aware → entity and ownership decisions aren’t treated as admin
We consider how trusts, service entities, partner arrangements, and leases affect both approvals and long term outcomes. -
Melbourne market experience → realistic assumptions and clean execution
Local insight on valuations, leasing norms, and timelines so you can move with confidence.
Frequently asked questions
Can you help if my income is through a trust or includes service entity arrangements?
Yes. This is common in medical and dental. The key is presenting your income consistently with clean evidence and explanations so the lender can assess it properly.
Should I fund a fit out through a loan, equipment finance, or cash?
It depends on cash reserves, expected growth, and how much flexibility you need. We’ll usually compare a few structures to balance repayments, tax impact, and liquidity.
What if I’m buying the practice and the property (or leasing rooms from myself)?
That can be a smart setup when done properly. We help coordinate the lending, entity structure, and lease arrangement so it stacks up commercially and doesn’t create compliance headaches.
How long does the process take?
Simple equipment finance can be quick. Practice buy ins, fit outs, and commercial property purchases take longer due to documents, valuations, and lender conditions. We’ll give you a clear timeline once we see the scope and the documents available.
Do you work with first time practice owners?
Yes. The biggest risk is committing to a structure or debt level before the numbers are properly tested. We’ll walk you through the key decisions so you don’t learn the hard way.
Next Step
If you’re planning a purchase, expansion, fit out, or refinance, a short strategy session will clarify what’s achievable and what structure makes the most sense. No pressure, just a clear plan and the steps to move forward confidently.
Chat with DFG today
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