Business loans for healthcare
Medicare pays in 28 days.
Your costs don't wait.
Finance for Australian medical and allied health practices navigating bulk billing lag, equipment costs, and the gap between when care is delivered and when it's paid for.
Apply now
2 minutes · No credit check · Free
Overview
Why healthcare businesses choose Avoir
Running a healthcare practice in Australia means operating in one of the most billing-complex environments in any industry. Bulk billing receipts arrive 4 weeks after the consultation. Private health fund rebates run through clearing processes that add days to every transaction. DVA claims have their own timelines. Meanwhile your equipment finance repayments, your locum costs, your practice management software, and your lease obligations hit on schedule regardless of when Medicare settles. Add in the capital cost of clinical equipment — a decent diagnostic imaging setup, a dental chair, a fit-out that meets infection control standards — and the funding challenge becomes significant. Avoir connects Australian healthcare practices to lenders who understand clinical revenue structures, not just bank statement averages.
Most lenders assess a medical practice the same way they'd assess a café — look at the deposits, find the average, lend against it. They don't account for the fact that 40% of your revenue arrives in batch Medicare payments on a fortnightly cycle, or that your accounts receivable includes submitted but unpaid private health fund claims. Lenders in Avoir's network understand the Medicare bulk billing cycle, private health fund payment structures, and the capital-intensive nature of clinical fit-outs and equipment. Whether you're a GP practice managing bulk billing cash flow, a physio clinic funding a new treatment room, or a specialist practice investing in diagnostic equipment, a specialist will review your profile and advise on available options.
Key features
Equipment and technology
Fund medical equipment, dental chairs, diagnostic technology, and practice fit-outs without depleting working capital.
Practice expansion
Open a new location, take on additional practitioners, or expand your existing premises.
Cash flow bridging
Bridge the gap between patient billing and Medicare/insurer payments. Keep operations running smoothly.
All healthcare sectors
GPs, dentists, physiotherapists, psychologists, chiropractors, optometrists, veterinarians, and allied health professionals all eligible.
Eligibility
Do I qualify?
Medical practices, allied health clinics, and healthcare businesses with 12+ months of operating history are typically eligible to apply. Revenue structures involving Medicare, DVA, and private health fund payments are understood and accommodated. A specialist will advise you on your specific situation.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. No credit check, no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist contacts you within 2 hours with tailored options. They will walk you through available terms and answer any questions.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →Can a medical practice get an unsecured business loan?
Yes. Medical and healthcare practices are common applicants in our network. Specialist lenders understand practice revenue and billing models.
Can I use a loan to buy dental or medical equipment?
Yes. Equipment finance is one of the most common uses for healthcare business loans. Most lenders in our network specifically accommodate this.
Do sole practitioner GPs or dentists qualify?
Yes. Sole practitioners with an ABN, 12+ months trading, and consistent revenue are eligible to apply.
How much can a healthcare practice borrow?
Between $10,000 and $500,000 depending on your annual revenue. Practices with consistent Medicare and private health billing typically qualify for higher amounts.
Do I need to provide patient revenue data?
No. Most lenders assess applications based on business bank statements. You do not need to provide patient data or practice management software exports.
Are psychology and allied health practices eligible?
Yes. All allied health disciplines are eligible — psychology, physiotherapy, occupational therapy, speech pathology, chiropractic, and more.
Ready to apply?
Clinical equipment and practice growth shouldn't wait on Medicare's payment cycle.
Two minutes to apply. No credit check. A specialist who understands healthcare finance will be in touch within two hours.
NO COLLATERAL
NO CREDIT CHECK
2 MIN APPLICATION