Flexible Finance for Dentists, GPs & Allied Health Providers
If you’re a healthcare professional—dentist, physiotherapist, GP or specialist—you understand the impact that modern, reliable equipment has on the quality of care you deliver.
But high-cost items like imaging systems, treatment chairs, or software systems can quickly tie up your capital. That’s where medical equipment finance becomes a practical, tax-effective solution for growing your clinic.
What Is Medical Equipment Finance?
Medical equipment finance helps clinics and practitioners fund essential assets without paying upfront. Instead, you make fixed monthly repayments over a term—typically 2 to 7 years—while using the equipment from day one.
Why it’s popular in healthcare:
- Fast approvals
- Tax-efficient structures
- Protects working capital
What Can You Finance?
Almost any physical or digital item that supports patient care or operations:
- Dental equipment: chairs, X-ray units, compressors
- Medical imaging: CT, ultrasound, cone beam, MRI
- Allied health: physio, rehab, chiro tools
- Laboratory: pathology, testing devices
- Optometry & audiology: diagnostic and dispensing tools
- Technology: practice management software, IT systems
- Clinic Fitouts: cabinetry, lighting, reception desks
Even second-hand or customised installations are often eligible.
Common Loan Structures
| Finance Type |
Features |
| Chattel Mortgage | Own the asset. Claim GST, depreciation, and interest. |
| Lease | Lower upfront cost. Option to return or upgrade. |
| Rental | Short-term or temporary use. Often no financials required. |
Benefits of Equipment Finance for Medical Practices
- Preserve cash flow – spread cost over time
- Access latest technology – upgrade imaging or treatment tools
- Claim tax deductions – interest, depreciation and GST may be deductible
- Flexible repayment terms – 1 to 7 years, with balloon options
- Fast turnaround – many loans approved within 24–48 hours
Who Can Apply?
This finance suits:
- GPs and medical specialists
- Dentists and orthodontists
- Physiotherapists and chiropractors
- Optometrists and audiologists
- Day surgeries, imaging centres, and allied health practices
Most providers will need:
- An ABN or Pty Ltd entity
- 6+ months trading history
- Recent bank statements and a supplier quote
Low-doc options are available for well-established practices.
Case Study: Sydney Dental Practice
Dr Lisa runs a clinic in Sydney’s Inner West and wanted to purchase an $85,000 3D cone beam imaging system. Rather than paying upfront, she worked with Lyft Money to arrange:
- A 5-year chattel mortgage
- Fixed repayments of ~$1,650/month
- No deposit required
- Full GST claimed on the next BAS cycle
Outcome: Patient referrals and billings increased by 25% within three months.
Need Fitout Finance Too?
If you’re launching a new clinic or upgrading an existing one, finance can also cover:
- Joinery, cabinetry, and electrical fitout
- Lighting, flooring, signage
- Waiting room and reception furniture
- Computers, servers, and telehealth hardware
Let your physical space reflect your brand—without depleting cash reserves.
Why Use a Medical Finance Broker?
At Lyft Money, we specialise in healthcare lending. Our brokers:
- Compare 40+ lenders with medical-friendly policies
- Navigate low-doc and fast-track approvals
- Tailor repayments to your income cycle
- Handle both equipment and fitout finance, all in one process
Final Thoughts
Medical equipment finance allows clinics to modernise, expand and improve patient outcomes—without sacrificing working capital. With the right structure, your investment can start delivering results immediately.
Ready to Upgrade Your Practice?
Let us structure a finance solution tailored to your business, budget, and growth plans.
Get started with Lyft Money today.