How money moves in this industry
New clinics can incur fit-out, staffing and equipment costs before patient volumes stabilise. Established practices may need liquidity while claims are processed.
A practical example
An allied-health practice adds consulting rooms and needs to fund the fit-out while protecting cash reserved for payroll.
This illustrates a funding need; it is not a lender eligibility claim or a recommendation to borrow.
Common reasons to explore finance
- Practice fit-outs
- Diagnostic or clinical equipment
- Opening another location
- Managing claims timing
Equipment and assets that may be financed
Asset finance depends on the lender's product, the asset, its condition and the proposed term. Examples in this industry include:
- Diagnostic equipment
- Treatment chairs
- Practice IT systems
Questions to prepare for a lender discussion
These are useful preparation questions, not a statement that any particular lender accepts this industry.
- How stable are practitioner and patient numbers?
- Are receivables from patients, insurers or government programs?
- Can the equipment be valued and financed separately?
Insurance and business continuity
Finance is one part of a business decision. This industry may also need to consider professional indemnity, public liability, cyber cover, depending on its activities, contracts and legal obligations. Our business insurance guide explains the concepts and links to official Australian sources.