Get the equipment your practice needs. Without the upfront hit

New equipment shouldn’t mean draining your working capital. Whether you’re upgrading a dental chair, adding diagnostic imaging, or fitting out an entirely new practice, we’ll find the right finance structure to get you there and keep your cashflow healthy while you do it.

What is medical equipment finance?

Medical equipment finance lets you get the tools your practice needs now, and pay for them over time. Instead of tying up your capital in a single purchase, you spread the cost across a loan or lease term that suits your budget and cashflow.
It’s used by GPs, dentists, vets, specialists, allied health professionals and everyone in between. If your practice depends on equipment to operate and grow, financing it is often a smarter move than buying outright.
As an independent broker, we search across a wide panel of lenders to find the right product for your situation, not just whatever one bank happens to offer.

What we can finance

If it’s used in your practice, there’s a good chance we can finance it. That includes:

Clinical and diagnostic equipment

MRI machines, CT scanners, X-ray units, ultrasound systems, ECG machines, patient monitors, anaesthesia equipment and ventilators.

Dental equipment

Dental chairs, OPG and 3D X-ray machines, sterilisation units, digital scanners and intraoral cameras.

Surgical and theatre equipment

Operating tables, surgical lasers, electrosurgical systems, surgical power tools and camera stacks.

Veterinary equipment

Specialist imaging, surgical tools, anaesthesia machines and laboratory testing equipment.

Optical and allied health

Refractometers, optometry equipment, physiotherapy and chiropractic tools.

Practice fit-outs

Consultation furniture, waiting room fit-outs, cabinetry, flooring and office equipment.
If you’re not sure whether what you need qualifies, just ask. The answer is usually yes.

Looking for the right business finance? Download our guide here. We take a look at business finance options, why good finance is good for business and how using a broker can take the stress away from finance and business.

Get it wrong and you’re either paying more than you need to, or missing out on tax benefits your accountant could have used. Here’s how the main options work in plain English.

Chattel mortgage

The loan pays for the equipment and you own it from day one. The lender holds security over it until you’ve paid it off. If claiming GST upfront or the instant asset write-off is on your radar, this is often the one to talk to your accountant about first.

Finance lease

The lender buys the equipment, you pay to use it over an agreed term. Monthly payments tend to be lower, and the asset stays off your balance sheet. At the end of the term you usually have the option to buy it outright.

Commercial hire purchase

You hire the equipment from the lender and make repayments until the final payment, at which point it’s yours. Works similarly to a chattel mortgage in practice, just a different legal structure getting you to the same place.

Operating lease

You use the equipment for a set period and hand it back at the end. No ownership, but that’s often the point. If you’re financing technology that’ll be outdated in a few years, this keeps you free to upgrade without being stuck with depreciating gear.

Not sure which one fits? That’s exactly what we’re here for. We’ll look at your cashflow, talk to your accountant if needed, and point you in the right direction.

It’s a fair question. Here’s the short answer: buying equipment outright ties up capital that could be working harder elsewhere in your practice.

When you finance equipment, you preserve your working capital for day-to-day operations, staffing, and the unexpected costs that come with running any business. You get the equipment now, without waiting until you’ve saved enough to pay for it in full.

It also means you can upgrade as technology evolves, rather than being locked into equipment you’ve already paid off and can’t afford to replace. In a field that moves as fast as healthcare, that matters.

Up to 100% financing is available for most clinical equipment meaning no deposit required in many cases.

We work with medical and allied health professionals right across South Australia, including GPs and general practice owners, dentists and dental specialists, veterinarians, optometrists, physiotherapists and chiropractors, specialists and surgeons, and day hospitals and private practices.

Whether you’re a sole practitioner just starting out, an established practice looking to upgrade, or a growing group practice expanding into new premises, we’ve helped businesses like yours before and we know what lenders are looking for.

Already bought the equipment? We can still help.

If you’ve recently paid cash for equipment and want to free up that capital, sale and leaseback could be worth exploring. We refinance equipment you’ve already purchased so the cash goes back into your business where it can do more work. It’s worth having a conversation if you’ve made a significant purchase recently.

We’re not a lender, we’re a broker. That means we’re not trying to sell you one product. We search across a panel of lenders to find the right fit for your practice, your budget and your goals.

We’ve been working with medical and allied health professionals in Adelaide since 2005. We understand the industry, we know which lenders offer the most competitive terms for healthcare businesses, and we know how to put together an application that gets a result.

Approvals can move quickly – in many cases within 24 to 48 hours. And once you’re approved, funds go straight to your supplier, so there’s no disruption to your practice or your patients.