Most lenders require proof of business activity such as an ABN, photo ID, recent bank statements, and a supplier invoice or quote. Low doc loans may allow you to skip some documentation, depending on your profile.

While some lenders prefer a deposit, it’s not always required. If your business has strong cash flow or trading history, you may be eligible for full finance with no upfront payment.

Many lenders offer finance options for newly established practices or clinics under two years old. If you have relevant industry experience and a clear business plan, you may still qualify even if you don’t have full financials. Our team can match you with lenders who understand the healthcare sector.

Used equipment can offer excellent value — and many lenders are open to funding second-hand purchases, especially from reputable suppliers. We'll help you compare options and find finance that aligns with your equipment needs and budget.

To manage cash flow more effectively, you can structure your loan with a balloon payment at the end or choose seasonal repayments that align with your income cycle. These options are particularly useful for specialists or clinics with fluctuating billing periods.

While a lower credit score may affect your interest rate, it doesn’t disqualify you. We compare lenders willing to work with your situation, helping you get funded even when banks say no.