Commercial property loan · Dental practices
Commercial property loan for dental practices
Dental practice finance is equipment-led lending for chairs, imaging and surgery fit-outs, alongside acquisition and premises funding, priced on the strength of recurring patient billings and practitioner registration.
How a commercial property loan works for dental practices
Once a practice has invested several hundred thousand dollars in a tenancy it cannot easily move, which is a strong argument for owning the premises. A commercial property loan funds the purchase with a deposit usually in the 20–30% range, and lenders regard an established dental tenancy as excellent security precisely because the fit-out anchors the tenant. Owner-occupied clinics often price near the bottom of the commercial range. Get advice on whether the property belongs in the practice entity, a trust or your super fund.
The cash-flow pattern we plan around
Consistent weekly billings from routine and restorative work, with occasional very large capital outlays each time a surgery is added or imaging is upgraded.
What dental practices typically fund
- Dental chairs and delivery units
- OPG, CBCT and intraoral imaging
- Surgery fit-out and infection-control compliance
- Buying a practice or a partnership share
- CAD/CAM and milling equipment
Commercial property loan for dental practices: the numbers
| Typical amounts | $250,000 – $20,000,000 |
|---|---|
| Term | 12–360 months |
| Indicative rates | 6.2% – 9.9% p.a. |
| Repayments | Monthly |
| Speed | 2–6 weeks |
| Documents dental practices usually need | ABN and AHPRA dental registration · Practice financials or personal tax returns · Equipment or fit-out quote from the supplier |
Rates are indicative, change without notice and depend on the lender, product, asset, term and your credit profile at the time of application. They are not an offer of finance. Comparison rates, where shown, are true only for the example given.
Key terms
Dental equipment finance
Dental equipment finance is secured lending for dental chairs, imaging systems, milling units and sterilisation equipment, usually written over five to seven years and available to registered dentists with limited financial documentation.
Surgery fit-out funding
Surgery fit-out funding is finance covering the non-removable works needed to commission a dental surgery — services, cabinetry, plumbing and compliance zones — repaid across the term of the practice lease.
What is a commercial property loan?
A commercial property loan is a mortgage over non-residential property such as offices, warehouses, retail or industrial units. It can be full-doc, low-doc or lease-doc depending on how servicing is assessed.
Questions from dental practices
How is a new dental surgery financed?
Chairs, delivery units, imaging, sterilisation, cabinetry and the fit-out are funded together under one facility, with suppliers and the builder paid as the surgery is built and the loan repaid over five to seven years. Registered dentists usually qualify for professional packages with no deposit and lighter documentation.
Can I finance the purchase of a dental practice?
Yes. Practice acquisition finance funds the purchase of an existing practice or a buy-in against its billings and goodwill, often at up to 100 per cent of the price for registered dentists, with the equipment and premises financed alongside. Lenders look at the practice’s financials, patient base and the selling dentist’s transition.
Can a newly graduated dentist get practice finance?
Yes. Several lenders fund new dentists buying or setting up a practice with little trading history because the profession’s income is reliable, usually with a business plan, AHPRA registration and a clean personal credit file. Rates and terms improve further once the practice has a year of billings.
Can I add imaging such as a CBCT or intraoral scanner with finance?
Yes. Imaging upgrades are financed as equipment over three to five years, with software and installation included when quoted with the unit, and the loan can be set up alongside existing chair finance. Many practices finance a scanner from the additional billings it generates.