Running a private surgical practice in Australia is rewarding, but it comes with unique financial demands. Whether you’re expanding your clinic, upgrading equipment, or managing cash flow between Medicare payments and private billings, access to fast, reliable funding can make all the difference. As a senior content writer and subject matter expert in lending and business finance, I’ve advised and assisted borrowers with secured loans for private surgeons across Australia. If you’re looking for a practical, outcome-driven solution, a secured loan could be the answer. Assess your scenario today.
Why Private Surgeons Use Secured Loans
You know your business inside out. You also know that opportunities and challenges rarely wait for the perfect moment. A secured loan gives you the flexibility to act quickly—whether you’re seizing a time-sensitive opportunity, bridging a cash flow gap, or meeting an urgent settlement deadline.
Secured loans are backed by residential or commercial property, which means you can access larger amounts at competitive rates, often with same day settlement or funding within 24 hours. For private surgeons, this means you can:
- Upgrade or purchase new medical equipment without waiting for lengthy approvals.
- Renovate or expand your practice to meet growing patient demand.
- Bridge cash flow gaps between billings and payments, especially during seasonal slowdowns or when onboarding new staff.
- Settle urgent property transactions or refinance existing debt on your terms.
The Benefits of Secured Loans for Private Surgeons
Let’s break down the key advantages:
- Speed: When you need funding fast, a secured loan can deliver. With Secured Lending, same day settlement and funding within 24 hours are possible for eligible borrowers.
- Certainty: Using your property as collateral gives lenders confidence, which means you get clear terms and reliable access to funds.
- Flexibility: You can use the funds for almost any business purpose—equipment, renovations, working capital, or even urgent settlement of another loan.
- Competitive Rates: Secured business loans typically offer lower rates than unsecured options, thanks to the reduced risk for the lender.
- Larger Loan Amounts: Because the loan is secured against property, you can often borrow more than with an unsecured loan.
Bridging Loans: A Practical Solution for Time-Sensitive Needs
If you’re buying a new property for your practice or need to settle before your existing property sells, a business bridging loan can be a lifesaver. Bridging loans are short-term, secured loans designed to “bridge” the gap between two transactions. For private surgeons, this means you can secure your new premises or investment without waiting for your current property to settle.
Secured Lending specialises in urgent settlement scenarios, coordinating with your legal and financial team to ensure a smooth transition. We’ve facilitated over $500m in loans for urgent settlement needs, so you can move forward with confidence.
Why Work with a Private Lender?
Traditional banks can be slow, rigid, and often don’t understand the unique cash flow patterns of private surgeons. As a Private Lender in Australia, Secured Lending operates nationwide—Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra—and we’re a non-bank commercial lender. This means we can review, structure, and arrange secured business loans quickly, without the red tape.
Our approach is direct and personal. We assess your scenario, confirm your property security, and coordinate funding—often within 24 hours. You get a decision-maker on the phone, not a call centre. And because we’re a private lender, we can tailor solutions to your needs, whether it’s a second mortgage, bridging loan, or another secured loan structure.
How Secured Lending Supports Private Surgeons
We understand the pressures you face—settlement deadlines, equipment upgrades, staff costs, and the need to keep your practice running smoothly. Our team has provided strategic lending advice for private surgeons in the past, helping them:
- Secure urgent funding for property settlements
- Bridge cash flow gaps during practice expansion
- Access working capital for equipment purchases
- Refinance existing debt to improve cash flow
With Secured Lending, you can leverage your residential or commercial property as collateral. We don’t accept obscure assets—just property, which keeps the process simple and transparent.
How We Can Help
Secured Lending is here to remove friction and help you move quickly. We review your scenario, structure the right loan, and coordinate with your advisors to ensure a seamless process. Whether you need a bridging loan, second mortgage, or another secured business loan, we’re ready to help you act with certainty.
Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions such as bridging finance, second mortgages, and caveat loans.
Frequently Asked Questions
1. What types of property can I use as security for a secured loan?
You can use residential or commercial property as collateral. We do not accept other asset types such as vehicles or equipment.
2. How fast can I access funds with Secured Lending?
For eligible scenarios, we can arrange same day settlement or funding within 24 hours.
3. Can I use a secured loan to purchase new medical equipment or renovate my practice?
Yes, secured business loans can be used for a wide range of business purposes, including equipment upgrades, renovations, and working capital.
4. What is a second mortgage, and how does it work for private surgeons?
A second mortgage allows you to borrow against the equity in your property, even if you have an existing loan. It’s a flexible way to access additional funds without refinancing your primary mortgage.
5. Do you operate outside major cities?
Yes, as a private lender in Australia, we operate Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra.
We have provided strategic lending advice for private surgeons in the past and can help assess your scenario.
