Private Lending Solutions for Professional and Medical Services
Finance that reads a practice the way its accountant does
Experts in strategic, short-term secured finance
Secured Lending is a private, non-bank lender. We fund medical, dental, allied health, veterinary, legal, accounting and consulting practices against property, and we do it in days rather than months. Loans run from $250,000 to $10,000,000, secured by a first or second mortgage. A partnership draws its income rather than paying itself a salary, and retained profits sit inside the company, so the number a bank calculator wants to see is not the number the practice actually earns. It is a formatting problem, not a credit risk. We assess the security and the exit, we lend our own funds, and a complete enquiry gets a decision in hours.
Who We Help
- Medical centres, GP practices and specialist consulting suites
- Dental and orthodontic practices, including multi-chair and multi-site groups
- Allied health practices across physiotherapy, psychology, optometry, radiology and rehabilitation
- Veterinary practices and animal hospitals carrying heavy plant and long fit-out lead times
- Accounting and legal firms, including partnerships carrying an ATO position
- Consultancies and advisory firms that bill on completion rather than on a schedule
- Partners and principals funding a practice acquisition, an equity buy-in, or an exiting partner's payout
- Practice owners with real equity in a home, an investment property or a medical suite who have been declined on servicing
How We Can Help You
- We assess the property and the exit, so drawings, distributions and retained profits are not what the deal turns on
- Where the practice leases its premises, security comes from a director's or partner's home or investment property, which is the standard pattern in this sector
- Where the practice owns its consulting rooms or medical suite, that property is strong security in its own right and can carry the facility on its own
- We hold our own funds and our own credit authority, so a decision takes hours and settlement can happen within 24 hours
- A second mortgage releases equity without disturbing an existing home loan or breaking a fixed rate
- Terms run from 1 to 24 months, most commonly 3 to 6, at rates from 9.7% p.a., interest only
Professional and Medical Finance Scenarios We Fund
Practices come to us for a small number of well-defined reasons. A dentist settling on a second surgery needs a different structure to a law firm clearing an ATO position. Below are the scenarios we are asked for most often.
Medical and dental practices
A second surgery comes up, a fit-out runs over, a chair or an imaging suite needs replacing, or the practice moves to buy the freehold on rooms it has leased for years. Each of those has a date attached to it, set by a contract rather than by a processing queue.
The chair is installed and earning, the fit-out finishes, and the freehold settles on the date the contract names. We can have a practice in a position to commit within hours, and the exit is typically a refinance to a bank or a specialist medical financier once the practice has traded in its new shape.
- Funds a fit-out, an equipment purchase, a second site or a freehold buy
- The chair, the scanner or the imaging suite is installed and earning
- The freehold settles on the date the contract names
- The fit-out is completed without the practice pausing its book
- Lending to companies, partnerships, unit trusts and family trusts
- Exit is a refinance to a bank or a specialist medical financier
A second surgery comes up, a fit-out runs over, a chair or an imaging suite needs replacing, or the practice moves to buy the freehold on rooms it has leased for years. Each of those has a date attached to it, set by a contract rather than by a processing queue.
The chair is installed and earning, the fit-out finishes, and the freehold settles on the date the contract names. We can have a practice in a position to commit within hours, and the exit is typically a refinance to a bank or a specialist medical financier once the practice has traded in its new shape.
- Funds a fit-out, an equipment purchase, a second site or a freehold buy
- The chair, the scanner or the imaging suite is installed and earning
- The freehold settles on the date the contract names
- The fit-out is completed without the practice pausing its book
- Lending to companies, partnerships, unit trusts and family trusts
- Exit is a refinance to a bank or a specialist medical financier
Our Loan Products
- First mortgage: the cleanest position, used where a medical suite or a principal's property is unencumbered, or where an existing facility is being refinanced in full
- Second mortgage: sits behind an existing first, so a home loan or a fixed rate does not have to be broken to release the equity a practice needs
- Bridging loans: covers the gap between new rooms and the sale of the old ones, or between a cost and the fee that repays it
- Caveat loans: our fastest product, lodging a caveat rather than registering a full mortgage, for genuinely urgent and short repayment windows such as an ATO deadline
Related Reading
- →Private lender for medical practice finance
- →Private lender for dental clinic finance
- →Private lender for allied health practice finance
- →Private lender for veterinary practice finance
"We work with a lot of accountants, lawyers, dentists and specialists, and they tend to be the last people who should struggle to raise money. They have built something valuable and they already know exactly what they want to do next. What they are usually short of is time. A partner buy-in or a practice acquisition comes with a settlement date, and the people on the other side of it will not wait. Getting them there on that date is the whole job."
Gino Tabila
Associate Director
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
