Medical and Dental Equipment Finance
Finance equipment purchases, replacements and upgrades for medical, dental and allied health practices. We compare options around your equipment, practice finances and supplier payment requirements.
One Chair. A New Treatment Room. A Second Clinic.
Your equipment purchase might involve replacing an essential asset, introducing a new service or opening an entire practice.
Each situation creates different funding requirements.
We assess what you are purchasing, how the costs are spread and when payments are due. That gives us a clear starting point for comparing suitable finance.
Start With the Equipment and the Quote
An itemised supplier quote helps establish the amount required and the purchase conditions.
If you are still comparing equipment, tell us:
- What you intend to purchase.
- The approximate cost.
- Whether the equipment is new or used.
- Your practice’s stage and location.
- When you expect to order or take delivery.
We can then identify the information needed for a detailed assessment.
Medical Equipment Finance for Private Practices
We assess finance enquiries for equipment used in private medical, specialist and diagnostic practices.
Purchases may include:
- Ultrasound and diagnostic equipment.
- Imaging systems, including X-ray, CT and MRI equipment.
- Patient monitoring equipment.
- Examination and treatment equipment.
- Surgical and procedural equipment.
- Sterilisation equipment.
- Computers and associated clinical technology.
The equipment, supplier, purchase amount and practice’s financial position determine which funding options need consideration.
Dental Equipment Finance for Chairs, Imaging and Digital Dentistry
Dental equipment purchases often connect several parts of the practice.
A new chair may involve delivery and installation. A digital dentistry upgrade may include a scanner, software and milling equipment.
We review finance requirements for purchases such as:
- Dental chairs and treatment units.
- OPG and CBCT imaging systems.
- Intraoral scanners and digital imaging equipment.
- CAD/CAM systems and milling units.
- Dental laboratory equipment and 3D printers.
- Autoclaves and sterilisation equipment.
- Compressors, suction systems and associated equipment.
Tell us whether you are purchasing one asset or coordinating an equipment package. Eligibility is assessed against the proposed lender’s requirements.
Equipment Finance for Allied Health Practices
Allied health practices need equipment suited to their services, premises and business model.
We review purchases including treatment tables, rehabilitation equipment, podiatry chairs and relevant assessment or diagnostic equipment.
Whether you operate a physiotherapy clinic, podiatry practice or another allied health business, we assess the proposed equipment alongside your practice finances.
Professional eligibility and equipment criteria vary between lenders and products.
Own the Equipment or Pay to Use It?
The finance structure determines who owns the equipment, how payments work and what happens at the end.
| Finance structure | How it generally works | What to establish |
|---|---|---|
| Equipment loan / chattel mortgage | Your business purchases the equipment and the lender takes security over it. | Repayments, fees, security and any balloon payment. |
| Finance lease | The financier owns the equipment during the lease and your business makes lease payments. | Residual value and contractual end-of-term obligations. |
| Rental / operating lease | Your business pays to use equipment under an agreed contract. | Return, renewal or purchase options, where offered. |
| Commercial hire purchase | Your business makes payments under a hire-purchase arrangement, with ownership transferring when the contract requirements are met. | Final payment, ownership transfer and other obligations. |
We compare the available arrangements with your intended use and accountant’s input. Lease-end and upgrade options depend on the contract.
Does the Supplier Quote Include Everything?
The equipment price may be only part of the purchase.
| Cost | What we check |
|---|---|
| Equipment | Description, price, condition and supplier. |
| Delivery and installation | Amounts, payment dates and proposed funding treatment. |
| Software | Whether it is an equipment-linked licence, separate purchase or recurring subscription. |
| Training and servicing | Upfront costs and ongoing commitments. |
| Building works and fit-out | Whether coordinated or separate funding needs assessment. |
| GST | What the invoice includes and the treatment your accountant confirms. |
Separating these costs helps establish the full requirement and which expenses can be considered under each funding option.
An Equipment Purchase or a Whole Practice Project?
Opening or expanding a practice can involve equipment, cabinetry, building works, premises costs and working capital.
We identify those requirements early so equipment funding fits the wider project.
A facility suitable for a completed equipment purchase may operate differently from funding that pays several suppliers progressively.
Where relevant, we assess equipment finance alongside fit-out or broader business lending. Specialist healthcare lenders offer drawdown arrangements for eligible projects, subject to their requirements.
Opening Your First Practice? Your Experience Still Matters.
A new practice may have limited trading history, even when its owners have substantial professional experience.
Useful supporting information may include your employment or associate history, existing income, business plan, purchase quotes and financial forecasts.
We establish the proposed ownership structure, setup costs and expected funding requirements before approaching suitable lenders.
Relevant industry experience and other income can help support a new-business application, but approval depends on the complete assessment.
Keep the Practice’s Operating Costs in the Picture
Equipment repayments become part of the practice’s ongoing commitments.
We review them alongside wages, rent, consumables, existing borrowing and other operating expenses.
For a new room or service, the timing also matters: equipment payments may begin before the additional activity reaches its expected level.
We discuss repayment requirements using the financial information available, including forecasts where appropriate.
How Long Will You Keep the Equipment?
Your intended replacement cycle belongs in the finance discussion.
Consider how long you expect to use the equipment, the manufacturer’s support arrangements and whether an upgrade is already part of your plans.
We compare the proposed term with those expectations and explain the financial implications of replacing an asset before its agreement ends.
A longer term should be assessed alongside total cost and any remaining obligation.
New, Used or Refurbished Equipment
New and used equipment can have different assessment requirements.
For a used or refurbished purchase, prepare the equipment description, age, condition, seller details and supporting purchase information.
Where relevant, include service records, warranty details and refurbishment information.
We check the proposed lender’s criteria for the particular asset. Finance availability and terms depend on the equipment and application.
Buying From a Dealer, Private Seller or Overseas Supplier
Tell us who is selling the equipment and how they expect to be paid.
A private sale or overseas purchase may require additional checks and documentation.
We establish the supplier details, invoice arrangements, currency, payment dates and equipment information before confirming the lending options.
If a deposit has already been paid, provide the receipt and remaining payment schedule as part of the review.
Your Supplier Has a Payment Schedule. Your Finance Needs One Too.
Equipment may need an order deposit, a payment before dispatch and a final amount on delivery or installation.
We review that schedule against the proposed funding arrangement.
| Purchase stage | What needs establishing |
|---|---|
| Order | Deposit amount, due date and order conditions. |
| Delivery | Supplier payment requirements and expected timing. |
| Installation | Separate invoices or completion requirements. |
| Finance settlement | Approval conditions, signed documents and payment instructions. |
Discuss payment requirements early. Staged funding needs specific assessment and is not a feature of every equipment loan.
Several Suppliers. One Coordinated Purchase Plan.
A practice upgrade may involve different suppliers for chairs, imaging, sterilisation, IT and installation.
We bring the quotes and payment dates into one purchase schedule, then assess the appropriate funding arrangements.
This helps identify which costs belong together, which require separate treatment and what information is needed before each payment can proceed.
Compare Supplier Finance With Other Lending Options
Supplier finance can be included in the comparison.
We review the purchase price, finance amount, fees, repayment schedule, ownership arrangements and final obligations alongside other suitable options.
Where an offer includes promotional or deferred payments, the comparison should establish the full payment schedule and applicable conditions.
You should be able to understand what each option costs and what your business is committing to.
The Monthly Repayment Is Only One Number
The full comparison includes:
- Any deposit or upfront contribution.
- Regular repayments.
- Fees and charges.
- The finance term.
- Any balloon, residual or final payment.
- Total payable under the agreement.
A balloon payment can reduce regular loan repayments while increasing interest over the term. Lower initial repayment arrangements can also involve higher later payments and greater total interest.
We explain these trade-offs before you choose the structure.
What Happens When You Replace the Equipment?
Before choosing finance, consider the likely next step.
If you replace equipment during the term, an existing loan payout or lease obligation may remain.
At the end of the agreement, you may need to meet a balloon payment or follow the contract’s residual, return or renewal provisions.
We review those obligations upfront. Any future refinance requires a fresh assessment, and equipment sale proceeds may differ from the amount outstanding.
What Lenders Need to Understand About the Practice
The assessment considers both the purchase and the business applying.
Relevant information may include:
- Business structure and ownership.
- Trading history and financial performance.
- Existing loans and other commitments.
- Credit and repayment conduct.
- Equipment type, value, age and condition.
- Purchase purpose and supplier.
- Relevant professional eligibility.
- The proposed security and guarantees.
We identify suitable options based on the circumstances rather than assuming all healthcare businesses qualify under the same criteria.
What Secures the Finance?
For an equipment loan, the financed asset commonly provides security.
The lender may also require personal guarantees or additional security, depending on the application.
We explain the proposed requirements and identify relevant existing finance arrangements.
Understanding the security is part of comparing the facility, alongside its repayments, fees and other obligations.
The Information That Moves an Application Forward
The exact document requirements depend on the lender and assessment route.
| Information | Why it is relevant |
|---|---|
| Itemised equipment quote or invoice | Establishes the assets, cost and supplier. |
| Business and ownership details | Identifies the applicant and relevant parties. |
| Identification | Supports required identity checks. |
| Financial statements, tax records or BAS, where requested | Helps establish the practice’s financial position. |
| Relevant bank statements | Supports cash-flow and account-conduct assessment. |
| Existing finance statements | Identifies current commitments and any proposed payouts. |
| Experience, business plan and forecasts for a new practice | Explains the proposed operation and supporting assumptions. |
| Equipment and payment schedule | Connects the funding requirement with the purchase. |
Tell us which records are available. We can then provide a checklist relevant to the proposed application.
GST, Tax and Your Accountant’s Input
The treatment depends on the asset, business use, finance structure and applicable rules.
Providing GST-free healthcare services does not automatically prevent eligible GST credits on business purchases. Some medical aids and appliances may themselves be GST-free when the relevant conditions are met.
Your accountant should confirm the invoice treatment, any available credits or deductions and the timing.
We can coordinate the lending discussion with that advice, with your permission.
From Supplier Quote to Finance Settlement
1. Define the purchase
We establish the equipment, total requirement, practice details and payment deadlines.
2. Review the practice’s position
We assess the available financial information, existing commitments and relevant supporting evidence.
3. Compare suitable options
We explain the available structures, repayments, costs, security and end obligations.
4. Prepare and manage the application
We coordinate the documents, submit the application and respond to lender requirements.
5. Coordinate finance settlement
We work through the approval conditions, finance documents and agreed supplier payment arrangements.
Your supplier manages equipment delivery, installation and related technical requirements.
Equipment Finance Within Your Wider Medical Lending Needs
The Brokerage assists healthcare clients with equipment, fit-outs, commercial premises and broader lending requirements.
Where your equipment purchase connects with a new location, property purchase or practice expansion, we can review the funding requirements together.
Explore our Medical Finance services or Asset Finance options for related borrowing needs.
Medical and Dental Equipment Finance in Brisbane and Sydney
Our Brisbane and Sydney brokers assist medical, dental and allied health practices across Australia.
Whether you are replacing one asset or coordinating equipment for a new clinic, we start with the purchase and your practice’s financial position.
We can work with your nominated supplier and accountant where their input is required to progress the finance.
Questions Practice Owners Ask Before Financing Equipment
A standalone purchase can be assessed. The available options depend on the asset, amount required, supplier and practice’s circumstances.
A new practice may be considered by suitable lenders. Professional experience, existing income, setup plans and financial forecasts may form part of the assessment.
It may be eligible. We check the lender’s requirements for the equipment’s age, condition, value, seller and supporting documentation.
This depends on the lender, equipment and application. We establish any required contribution and the supplier’s payment terms during the review.
Some associated costs may be considered, depending on the funding arrangement. An itemised quote helps identify what can be assessed together and what needs separate treatment.
They can be reviewed as part of the same project. The appropriate facilities depend on the costs, suppliers, payment stages and lender requirements.
Ownership depends on the structure and contract. An equipment loan, finance lease, rental and hire-purchase arrangement can create different ownership and final-payment obligations.
Some lenders may consider recently purchased equipment for reimbursement finance. Provide the invoice, purchase date and payment evidence so we can check eligibility.
The lender, finance structure, amount, term, asset and application all matter. We compare the repayment schedule, fees and any final payment alongside the rate.
Timing depends on the application, documentation, asset and lender requirements. Tell us your supplier deadlines at the outset so we can assess the available options against them.
Let’s Review Your Equipment Purchase
Tell us what you are buying, the approximate cost and when payment is required.
We’ll review your practice’s circumstances, identify the information needed and compare suitable finance options.
Call: 0451 973 662
Email: enquiries@thebrokerage.au
General information only. Finance is subject to lender assessment, eligibility requirements and applicable terms. Obtain independent tax, accounting and legal advice relevant to your circumstances.