Private Lender for Healthcare and Medical Practices

Settle the practice, the premises or the fit-out on the date it is due, with a loan secured by property

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Experts in strategic, short-term secured finance

Aerial view of Sydney Harbour and the CBD
24hrsFast funding solutions
$250K-$10MLoan range
9.7% p.aInterest rates starting from
1-24 monthsShort term funding

ExcellentRated 5 out of 5 on Google

Rated 5 out of 5Jason V

Hands down, the best private lenders in the biz

Gino, Alec and Finn are exceptional at what they do. Top tier communication and transparent service.

Rated 5 out of 5Rhowell Dela Rosa

Every settlement has been smooth

Gino and the team at Secured Lending are our go-to when a deal needs to move fast or fall outside bank criteria.

Rated 5 out of 5Rory Mcgrath

Always my top choice for nearly all private lending scenarios

I run and operate a private lending brokerage and have worked with Mark and the team for years.

Rated 5 out of 5Luke Egan

Speed to market on lending advances second to none

The owner is also one of best commentators on LinkedIn calling out poor lending and recovery practices.

Rated 5 out of 5amal maharaj

True professionals in the non bank lending space

Straight forward application and assessment process with clear communication till loan settlement.

Rated 5 out of 5Sam Algeri

Excellent service, quick approvals and seamless settlements

The team at Secured Lending, particularly Gino and Finn, are fantastic to work with.

Rated 5 out of 5sebastian wright

Speed, reliability, transparency

Exceptional team. Exceptional Service. Loved working with the team at Secured Lending.

Rated 5 out of 5Jordan Thomas

Gino & Finn are the best in the business

Quick and painless to deal with, keep up the great work SL team!

Rated 5 out of 5Wayne McCarthy

Always willing to think outside the box to get deals done

We've had a great experience working with Secured Lending.

Rated 5 out of 5JP G

Quick, responsive and reasonable

With all the shady characters in the private lending market, its refreshing to find good people to deal with.

Rated 5 out of 5Joel Togo

Always thorough on assessment and will give you a prompt answer

With clients that are in time sensitive situations, this is crucial.

Rated 5 out of 5David Pruscino

Always professional and supportive

It's a pleasure dealing with the Secured team.

Rated 5 out of 5Monica Monsigneur

A professional and common sense lender who delivers

Rated 5 out of 5Thomas de Fegely

Great options in the private space

Have been dealing with Finn from Secured Lending, he has been very responsive.

Rated 5 out of 5Andrew Soo

A very reliable funding partner

Highly recommended.

Rated 5 out of 5Phil Boyle

Very efficient, responsive

Finn was a great help to assist in a very timely manner.

Secured Lending is a private lender, and we work with medical, dental, allied health, pharmacy and veterinary practices across Australia. When a practice purchase, a fit-out or a tax bill has a date, a bank can take months to say yes. We lend our own funds from $250,000, secured by real property your company or a director owns, and we can make a decision in hours. If your practice has a date to meet, we would be glad to help.

Who We Help

  • General practices and medical centres, including a practice buying the centre it has leased for years
  • Dental and orthodontic practices, from a single surgery to a group across several sites
  • Specialists, day surgeries and day hospitals adding a procedure room, a theatre or a second suite
  • Allied health practices in physiotherapy, psychology, podiatry, optometry and diagnostic imaging
  • Pharmacists buying a pharmacy or the building it trades from, through a company the state ownership rules permit
  • Veterinary clinics and animal hospitals fitting out surgical and imaging rooms
  • Practitioners buying a retiring principal's practice, or the shares of a departing partner
  • Practices owing pay as you go withholding, goods and services tax or superannuation to the Australian Taxation Office

How We Can Help You

  • Settle a practice or pharmacy purchase on the date written into the contract, with a decision usually within hours of a complete enquiry
  • Pay for goodwill, a fit-out, dental chairs or imaging equipment as a lump sum at settlement
  • Keep your existing bank loan in place, because a second mortgage sits behind it rather than replacing it
  • Borrow where the practice leases its rooms, using a director's home or investment property as the security
  • Clear a tax debt in one payment so the general interest charge stops building on the balance
  • Choose a term from 1 to 24 months, typically 3 to 6 months while longer-term finance is approved

Healthcare Finance Scenarios We Fund

A dentist buying a retiring principal's surgery needs a different loan to a pharmacist relocating, or a veterinary hospital building a new theatre. Below are the situations practices bring to us most often.

Buying a practice or a partner's share

A practice sale usually has a settlement date set around a retiring principal or the end of a lease, and much of the price is goodwill. The same applies when a partner leaves and the practice agreement fixes the date and the price of their shares. The buyer often has equity in a home and very little of the price in cash.

We fund general practitioners, dentists, specialists and allied health practitioners buying practices, medical centres and the shares of departing partners. The loan pays the purchase price, the fit-out and the equipment at settlement, and your practice repays us with longer-term finance once the first months of trading under the new ownership are on record.

  • Funds goodwill, a fit-out, equipment or a partner's shares
  • Settles on the date in the sale contract or practice agreement
  • Decision usually within hours of a complete enquiry
  • Lending to companies, including a company acting as trustee
  • Second mortgage available behind an existing bank loan
  • Exit is longer-term finance once trading is on record

Buying a pharmacy

A pharmacy purchase has steps most business sales do not. State laws restrict who may own a pharmacy, and in New South Wales a pharmacist cannot hold an interest in more than five pharmacies. The new owner must also apply for approval to supply medicines under the Pharmaceutical Benefits Scheme, and the Department of Health asks for that application at least 30 days before settlement.

We lend to companies whose directors and shareholders are registered pharmacists where the state allows it, and we cannot fund a purchase by anyone the law does not permit to own the pharmacy. Our loan documents give us no control of the pharmacy and no share of its profits. Your lawyer confirms how the rules in your state apply, and your company repays us once longer-term finance is in place after the approval is issued.

  • Funds the purchase price, the stock and a fit-out at settlement
  • Only for buyers the state ownership rules permit
  • No control of the pharmacy and no share of its profits
  • Your lawyer confirms the ownership rules in your state
  • Term set to cover the approval and the refinance
  • Exit is longer-term finance or the sale of another property

Buying the centre or suite you lease

A landlord decides to sell the medical centre, the strata suite or the clinic building the practice has traded from for years, and offers it to the tenant first. The offer has a deadline, and losing the building can mean losing the location patients know.

We fund the purchase of the property, and the property being bought can secure the loan alongside another property you or your company own. Our valuation team is in-house, so a medical centre or a specialised clinical building is valued directly rather than waiting in an external valuer's queue. The exit is a long-term commercial loan once the purchase has settled.

  • Funds a medical centre, a strata suite or a clinic building
  • The property being bought can secure the loan
  • In-house valuation of specialised clinical property
  • Up to a 70% loan-to-value ratio across all mortgages
  • Settles on the date in the landlord's offer
  • Exit is a long-term commercial loan

Fit-outs, new rooms and equipment

A day surgery adds a procedure room, a dental group opens another site, an imaging practice installs a new scanner, or a veterinary hospital fits out a surgical theatre. The builder, the equipment supplier and the new staff are all paid before the new rooms bill a single patient.

The loan is paid as a lump sum, so the fit-out finishes on schedule and the equipment is installed when the rooms open. Services Australia says a practitioner needs an additional provider number to work at a new practice location, so that application runs alongside the build. Your practice repays us from longer-term finance once the new rooms are trading.

  • Funds building work, chairs, scanners and surgical equipment
  • Paid as a lump sum when the work needs paying
  • Provider number application runs alongside the build
  • Suits day surgeries, dental groups, imaging and veterinary practices
  • Terms from 1 to 24 months, most 3 to 6
  • Exit is longer-term finance once the rooms are trading

Bridging finance for a practice move

A practice buys larger rooms before its current freehold is sold, or a pharmacy relocates and needs the new premises secured first. The purchase and the sale rarely settle on the same day.

A bridging loan pays for the new premises on the contract date, and your practice sells the old property at a fair price rather than discounting it to meet a deadline. Bridging is one of our core products, and the loan is repaid from the sale proceeds or from the long-term loan on the new premises.

  • Funds the new premises before the old property sells
  • The old property sells at a fair price, not a forced one
  • Both properties can secure the loan together
  • Fit-out of the new rooms can be funded at the same time
  • Settlement within 24 hours on a complete file
  • Exit is the sale proceeds or a long-term loan

Refinancing a bank loan

A bank can reduce or withdraw a practice loan at review, even where every repayment has been made, because profits paid out to the principals leave less on the page than the practice actually earns. A bank's health team can also take months to approve a new loan after a change of ownership.

We refinance the bank loan so your practice meets the date in the bank's letter. That gives you time to arrange the next long-term loan properly rather than accepting the first offer made under a deadline.

  • Refinances an expiring, reduced or withdrawn bank loan
  • Meets the date in the bank's letter
  • First or second mortgage, depending on what is registered
  • Time to compare long-term lenders before choosing one
  • No practice or personal assets sold to meet a review date
  • Exit is a refinance to a bank or a specialist health lender

ATO tax debt

Pay as you go withholding on a large staff payroll and superannuation for employed staff can build into a large ATO balance, and the general interest charge keeps adding to it. Once a payment plan is broken, recovery action can escalate to a garnishee notice or a director penalty notice.

The loan is paid to your practice company, which pays the ATO in full in one payment. One loan can cover income tax, activity statement debts and the superannuation guarantee charge together, and we can still lend after a director penalty notice or a garnishee notice has arrived.

  • Clears the full ATO balance in one payment
  • Stops the general interest charge building on the debt
  • Covers income tax, activity statements and superannuation
  • Available after a director penalty notice has arrived
  • Clears the tax debt ahead of a bank refinance
  • Exit is a refinance or the sale of a property

Working capital for a practice

Wages for nurses, receptionists and practice managers, rent, insurance and equipment leases fall due every month, while health fund payments and patient accounts arrive on their own timetable. A new practitioner can take months to build a full appointment book, and the practice pays their costs from the first day.

We provide a lump sum that covers wages and running costs through that period, and the loan can also consolidate several business debts into one. Your practice repays us from its income or from a bank refinance once the busier months are on record.

  • Covers wages, rent, insurance and equipment leases
  • Consolidates several business debts into one loan
  • Second mortgage leaves the first mortgage untouched
  • Covers a new practitioner's costs until their book is full
  • Terms from 1 to 24 months, most 3 to 6
  • Exit is practice income or a bank refinance

Our Loan Products

  • First mortgage: from 9.7% p.a., over the medical centre, consulting suite or clinic property your company owns, or over an unencumbered home or investment property
  • Second mortgage: from 11.95% p.a., sitting behind your existing bank loan so it does not need to be refinanced to fund a purchase or a fit-out
  • Bridging loans: for buying new rooms or a relocated pharmacy before your current property sells
  • Caveat loans: our fastest product, lodging a caveat over the property rather than registering a full mortgage, for a settlement or tax deadline days away

Case study: $300,000 for a dental practice in 5 business days

A dental practice in Plenty, Victoria, needed working capital and wanted to consolidate several existing business debts, with a refinance to a major bank planned within 12 months. We issued indicative terms within 1 hour of the enquiry and a letter of offer within 3 hours, and a $300,000 second mortgage settled within 5 business days. The second mortgage left the existing first mortgage in place, and the planned bank refinance is the exit.

Related Reading

"Most practices that come to us are busy and profitable. What holds them up is timing. A retiring principal has a settlement date, a landlord wants an answer on the building, and the bank wants a specialist valuation and months of trading before it will lend. We lend our own funds and value the property in-house, so the practice can settle on the contract date and move to bank finance once the bank has what it needs. We are always glad to talk a purchase through early, well before the settlement date gets close."

Gino Tabila

Gino Tabila

Associate Director

Recently Asked Questions

About $860,000. 70% of $2,800,000 is $1,960,000, so after the bank's $1,100,000 there is room for up to $860,000 on a second mortgage over the clinic property, and the bank's loan stays in place. The remaining $40,000 can come from the practice's own funds, or a director's home can be added as additional security.

Yes. The loan can pay for the fit-out and equipment the financier will not fund, and our valuation team is in-house, so a clinical strata suite is assessed directly. The practice company is the borrower. The exit is usually a refinance to a bank or a specialist medical financier once the second surgery is trading.

Yes. We can repay the bank against the medical centre property the practice company owns, by first or second mortgage depending on what is already registered, and we decide in hours, which leaves time inside the 60 days. Profit paid out to the doctors does not rule the practice out, because we assess the property, the equity inside the 70% limit and the exit. The usual exit is a refinance to a bank or a specialist health lender once a new lender has approved the practice.

Yes. Four months of trading does not rule the practice out. We assess the home's value, the equity inside the 70% limit, and the exit. The practice company is the borrower. The usual exit is a refinance to a bank or a specialist medical financier once the practice has a full year of accounts.

Yes. The loan funds are paid to the pharmacy company, which pays the shopfitter and the costs of the move. Ask your lawyer to confirm every approval the relocation needs is in place before the fit-out contract is signed. The usual exit is a refinance once the new store is trading.

Yes, where the homes carry enough equity inside the 70% limit. The loan funds are paid to the business, which pays out the equipment lenders and the ATO. List each balance and repayment so we can see the total, and tell us the exit, usually a refinance or a property sale.

Yes. One loan can cover the super guarantee charge together with activity statement and income tax debts. The loan funds are paid to the practice company, which pays the ATO. Ask your accountant to confirm the final balance before settlement, so the loan clears it in one payment.

Yes. We lend a single amount at settlement and do not make progress payments to a builder, so the full budget is paid to the company before the work starts. With four months to the inspection, get a fixed quote from the contractor first. We decide in hours, and settlement within 24 hours is achievable on a clear title.

Not as security for the practice's loan. A self-managed super fund's property generally cannot be used as security for another entity's loan, and your fund's adviser can confirm how that applies to your fund. A home or an investment property held outside the fund can secure the practice's loan instead.

Yes. We decide in hours, so you can know before auction day what we will lend. Auction contracts are usually signed without a finance condition, so confirm the terms with your solicitor and get our answer before you bid. If the building sells for $2,500,000, a loan against the building alone stops at $1,750,000, and the homes can provide security for the balance and the purchase costs.

No. Our loans are secured by real property only: a first or second mortgage over residential, commercial or industrial property. That can be the medical centre or suite your company owns, or a director's home or investment property. The practice, its patient list, its Medicare provider numbers, a pharmacy approval and its goodwill are what the money may buy.

Most practices lease, so the property backing the loan is usually a director's home or investment property, or a property held by a company acting as trustee of a family trust. The borrower is still your practice company.

Yes. The loan can pay for goodwill, building work, dental chairs, imaging equipment and surgical fit-outs as a lump sum at settlement, within the 70% loan-to-value ratio on the property.

Loans start from $250,000, and larger loans are assessed case by case once we understand the scenario fully. The maximum loan-to-value ratio is 70% across all mortgages on the property. Terms run from 1 to 24 months, usually 3 to 6, with rates from 9.7% p.a. on a first mortgage and from 11.95% p.a. on a second mortgage.

We usually give a decision within hours of a complete enquiry, and settlement can happen within 24 hours where the title is clear and the exit is defined. We lend our own funds and value the property in-house, which is why the timeline is short.

We lend to companies, including a company acting as trustee of a trust. We do not lend to individuals or sole traders. For a pharmacy, the company must also be one that the ownership rules in its state permit to own the pharmacy.

Yes, where the buyer is permitted to own the pharmacy. In New South Wales a pharmacist must be registered to hold a financial interest in a pharmacy, with limited exceptions, and cannot hold an interest in more than five pharmacies in the state. Your lawyer can confirm how the rules apply to your purchase, and our pharmacy page explains the timing.

Yes. Our practice purchase page covers buying a medical or dental practice, a medical centre or a partner's share by the date in the contract.

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$500M+ funded

Get an indicative offer within hours, not weeks.

No credit check. No obligation.

Why Secured Lending?

✓Australian private lender, $500M+ funded
✓We use our own funds for fast decisions
✓24-hour settlements, loans from $250k
✓Rates from 9.7% p.a. | Terms 1–24 months

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