Healthcare finance expertise
We understand how lenders assess professional income, practice cash flow, goodwill, billing models, equipment and commercial premises.
Industry
Dental and Specialist Clinics
Finance for dental and specialist clinics across Sydney, including practice acquisitions, fit-outs, equipment and commercial premises.
Talk to a broker
Dental and specialist medical practices often require substantial investment in equipment, technology, premises and fit-outs. Dental chairs, imaging systems, treatment rooms and specialist clinical equipment may be essential to delivering services, yet lenders differ in how they assess these assets and the underlying practice.
At 3LANE Finance, we help dentists, dental specialists and specialist medical practitioners arrange finance for practice acquisitions, equipment, fit-outs, commercial premises and business growth. Before comparing lenders, we consider the practitioner’s experience, ownership structure, income, practice cash flow and proposed transaction.
Some lenders offer specialised professional lending policies for eligible medical and dental practitioners. Eligibility, security requirements and lending terms vary according to profession, registration, experience and financial position. We identify policies aligned with your circumstances and coordinate the property, equipment and business facilities required for the transaction.
Finance Solutions for Dental and Specialist Practices
We can assist with:
- Practice acquisitions, goodwill and partner buy-ins
- Commercial property and owner-occupied premises
- Fit-outs, renovations and refurbishments
- Dental, imaging and specialist clinical equipment
- Working capital and cash-flow facilities
- Practice expansion and multi-site growth
- Refinancing and debt restructuring
- Motor vehicle finance
- Residential and investment lending for eligible practitioners
Why choose 3LANE Finance
A specialist broker that understands your scenario and presents it to lenders in the best possible light.
Dual Applications
Where a transaction involves a practice acquisition, property, fit-out, equipment or working capital, we coordinate the facilities so the overall funding structure works together.
Professional lending policy expertise
We identify lenders with policies suited to eligible medical and dental practitioners, rather than assuming every bank assesses the profession in the same way.
End-to-end management
We coordinate with lenders, equipment suppliers, valuers and professional advisers where required, helping keep each part of the transaction moving towards settlement
How Lenders Assess Dental and Specialist Practices
Depending on the transaction, lenders may consider: ● Practitioner qualifications and registration ● Professional and management experience ● Historical performance and forecast cash flow ● Practice purchase price, valuation and goodwill ● Patient base and referral sources ● Billing and payment models ● Existing and proposed ownership structure ● Lease terms or commercial property security ● Equipment type, value and useful life ● Equity contribution and available security ● Partner or shareholder arrangements ● Proposed repayment structure We assess these factors before approaching lenders, identify potential policy issues early and structure the application around the evidence relevant to the transaction.
How we help
We assess your funding requirements from the lender’s perspective before recommending a structure. This includes reviewing your practice cash flow, borrowing capacity, security, contribution, transaction timing and the policies available to your profession.
We then compare suitable options across major banks, second-tier lenders and specialist medical funders. Where a transaction involves a practice acquisition, equipment and premises, we coordinate the facilities so the funding works together and is available when required.
- Practice cash flow, borrowing capacity and lender policy review
- Property, business, fit-out and equipment finance coordination
- Major bank and specialist medical lender comparison
A Clear Path from Enquiry to Settlement
Whether you are acquiring a practice, investing in equipment or expanding your premises, we structure and manage the finance from initial assessment through to settlement.
01
Understand your practice
We take the time to understand your goals, practice cash flow, available security, contribution, timeline and the finance required.
02
Structure the right solution
We compare lenders, facility structures and repayment options before you apply, then match the transaction with lenders whose policies align with your circumstances.
03
Manage your application
We prepare and present your application, liaise with the lender and coordinate the process through to settlement. As your practice grows, we can review your facilities and help plan the next stage.
Run the numbers
Estimate repayments and borrowing capacity for your dental or specialist practice. Results are indicative only; speak with a 3LANE broker to assess your position.
Monthly repayment$4,497
Fortnightly$2,075
Weekly$1,038
Total interest$868,786
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
Get a tailored assessmentAreas we service
Based in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.
- Marrickville
- Inner West
- Sydney CBD
- Eastern Suburbs
- North Shore
- Northern Beaches
- Parramatta
- Greater Western Sydney
- Sutherland Shire
- Across NSW
Related pages.
Explore related services and industries we support.
FAQs
Quick answers for clients comparing finance options.
Yes. Depending on the asset, purchase price, business structure and lender policy, options may include a chattel mortgage, finance lease or equipment rental arrangement. We compare suitable lenders and work alongside your accountant regarding the accounting and tax treatment.
Yes. We can arrange commercial property finance to purchase practice premises and separate business or equipment facilities for eligible fit-out costs. Where multiple facilities are required, we coordinate the funding structure around your practice income, contribution and timing.
Yes. Practice acquisition finance may cover eligible business assets and goodwill, subject to lender policy. Lenders generally consider the practice’s historical performance, purchase price, goodwill, patient base, practitioner experience and overall financial position.
Some lenders offer specialised professional lending policies for eligible dental and medical practitioners. These may include different income-assessment, security or contribution requirements, depending on the practitioner's registration, experience, income and overall financial position. We confirm current eligibility and policy before recommending a lender.
Yes. We arrange funding for eligible partner buy-ins, shareholder acquisitions and ownership restructures. We work alongside your accountant and legal adviser so the lending is coordinated with the agreed transaction structure.
Lender appetite varies by profession, practice type and transaction. We compare major banks, second-tier lenders and specialist non-bank funders, including lenders with professional policies for eligible dental and medical practitioners.
Yes. Working capital facilities may help manage expenses such as wages, rent, consumables and supplier payments while revenue is collected. We assess the practice's billing model, cash-flow cycle and funding requirement before recommending a facility.
In many cases, we are paid a commission by the lender when finance settles. Any applicable fees and lender commissions will be disclosed and agreed with you in writing before we proceed.
Timeframes depend on the lender, asset type, purchase price and quality of the information provided. Standard equipment transactions may be assessed faster than customised, imported or highly specialised assets. We identify documentation and valuation requirements early to help minimise avoidable delays.
Yes. We can review whether your pricing, loan structure and facilities remain suitable as your practice grows. We can also assist with refinancing, equipment upgrades, premises purchases and expansion funding as your needs change.
Talk to 3LANE
Finance Your Practice’s Next Move
Whether you are acquiring a practice, investing in equipment or expanding your premises, we will help structure and manage the finance from initial assessment through to settlement.