Medical Equipment Finance
Medical equipment finance is designed to help healthcare practitioners acquire high-value diagnostic and clinical tools without significant upfront capital outlay. Because medical assets are generally high-quality and retain value well, many financiers offer preferential rates and terms to the healthcare sector. When we compare options for your practice, we look for lenders who understand clinical lifecycles and fit-out requirements. The asset acts as the primary security, which typically leads to faster approvals than traditional business loans. The primary trade-off involves balancing the repayment term with the expected technological life of the equipment, ensuring your practice stays current while maintaining healthy cash flow. Our referral service connects you with lenders who specialize in the unique needs of the Australian medical industry.
When it makes sense
- Dental chairs and imaging systems
- Ultrasound and X-ray machines
- Medical laser and aesthetic devices
- Practice fit-outs and surgical suites
- Veterinary diagnostic equipment
- Sterilisation and autoclave units
- Hospital beds and patient monitoring
- Medical-grade refrigeration and storage
Indicative terms
| Amount range | 0,000 to $10,000,000+ (indicative) |
| New vs second-hand | New and demonstrator preferred (indicative) |
| Deposit | 0% deposit options common (indicative) |
| Indicative rate range | 5.90% – 9.50% p.a. (indicative) |
| Term | 2 to 7 years (indicative) |
| Residual/balloon | Up to 40% for eligible assets (indicative) |
| Documentation | Streamlined medical professional docs (indicative) |
| Settlement time | 48 to 72 hours (indicative) |
How it works
- Practice Consultation — Tell us about your practice and the equipment you need. We'll identify the specialist medical lenders best suited to your specific professional niche.
- Comparison Shortlist — We present a range of options, highlighting the differences between traditional banks and boutique medical financiers who offer industry-specific benefits.
- Specialist Application — We coordinate with the financier to submit your application, often using streamlined documentation pathways available only to registered medical professionals.
- Direct Funding — After approval and signing, the lender pays your equipment supplier directly, allowing for immediate installation and use in your clinic.