Practice Purchase Loans | Probiz Finance
Probiz Finance
Healthcare Finance Specialists Β· Australia

Practice Purchase
Loans Built for
Medical Professionals

Finance up to 100% of your practice β€” goodwill and equipment as security, not your home. Specialist lending that understands how medical practices are truly valued.

100%
Finance Available
15yr
Loan Terms
3yr
Interest Only
$0
Property Required
Medical practice
Own Your Medical Practice Finance structured around goodwill β€” not property
100%finance available

Get Your Free Assessment

No obligation β€” tell us about your situation.

πŸ”’ 100% private Β· No obligation Β· No spam

No Home Security Required
No LMI on Owner-Occupied
Goodwill Recognised as Security
Fixed, Variable & IO Options
MFAA Accredited Broker
50+ Lenders on Panel
Medical professionals
Why Specialist Finance?

Standard banks don't understand medical goodwill

When you buy a medical practice, the majority of the value is in the patient base, reputation, and relationships that took years to build. Traditional lenders rarely account for this β€” which is why most doctors are told they need to put up their home as security.

Probiz Finance works with specialist healthcare lenders who assess your practice the way it should be β€” on goodwill, future cash flows, and your professional standing. That means up to 100% of the purchase price, without risking your personal property.

Loan Features

Everything you need to own
your dream practice

Purpose-built lending structured around how medical practices are actually valued β€” recognising what traditional lenders miss.

Medical practice building
🏒
100%Purchase price financed
Finance 100%
πŸ’°

Finance Up to 100% of Purchase Price

Borrow the full purchase price using goodwill and equipment as security β€” no need to put your home on the line.

Partnership
🀝

Buy Into or Increase Partnership Share

Finance up to 100% to buy into an existing partnership or grow your ownership stake β€” structured to your exact scenario.

15 year terms
πŸ“…

Loan Terms Up to 15 Years

Generous repayment terms with interest-only available for up to three years to keep cash flow flexible in the early stages.

Goodwill security
πŸ“Š

Goodwill Recognised as Real Security

We assess patient base, reputation, intellectual property, and future cash flow β€” not just bricks and mortar.

Rates
πŸ”„

Fixed & Variable Rate Options

Choose the rate structure that suits your risk profile. Fixed certainty or variable flexibility β€” both available.

Equity redraw
🏦

Redraw on Existing Goodwill Equity

Access equity built up in goodwill and tangible assets for personal or business needs as your practice grows.

πŸ’Έ
100%
Of purchase price
can be financed
πŸ“†
15yr
Maximum loan term
available
⏳
3yr
Interest-only period
available
🏠
$0
Property security
required
Finance consultation
Settlement handshake
FastApprovals
Simple Process

How it works

We've streamlined the process so you can focus on finding the right practice β€” not drowning in paperwork.

1
Free Strategy Call

Tell us about the practice you want to buy. We'll assess your situation with zero obligations or cost.

2
Tailored Structure Designed

We design a loan structure that fits your scenario β€” the right term, rate type, and entity structure.

3
Fast Lender Approval

We work quickly with lenders who understand healthcare so you don't miss the right opportunity.

4
Settlement & Ongoing Support

We guide you through to settlement and remain your finance partner as your practice grows.

Who Qualifies

Who this loan is
designed for

Purpose-built for registered healthcare professionals looking to take the next step in practice ownership.

  • GPs and General Practitioners looking to buy out a retiring partner or purchase an independent practice
  • Specialists and Surgeons establishing or expanding a specialist practice
  • Dentists and Dental Specialists purchasing an existing dental practice or buying into a group
  • Allied Health Professionals including physios, optometrists, and psychologists
  • Pharmacists and Veterinarians acquiring or expanding an existing business
  • Partnership buy-ins for any registered health professional increasing their equity share
Doctor in practice
Healthcare professionals across AustraliaGPs Β· Dentists Β· Specialists Β· Allied Health

Not sure if you qualify? Let's talk.

Our specialists understand the healthcare sector deeply. Even complex situations β€” multiple practices, unusual goodwill structures, partnership arrangements β€” we've seen it before.

Ready to take ownership of your future?

Speak with a specialist who understands the medical profession β€” not a generalist who doesn't.

Healthcare professional
⭐
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Trusted by DoctorsAcross Australia
Client Stories

Healthcare professionals
who made the move

β˜…β˜…β˜…β˜…β˜…

"I was worried I couldn't buy the practice without selling my house. Probiz Finance structured the entire purchase using goodwill as security. Seamless and genuinely professional from start to settlement."

RP
Dr. R. Patel
GP, Melbourne VIC
β˜…β˜…β˜…β˜…β˜…

"As a dentist buying into a busy city practice, the goodwill value was substantial. Probiz understood exactly how to structure it β€” traditional banks just didn't get it. Highly recommend."

SC
Dr. S. Chen
Dentist, Sydney NSW
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"Fast, knowledgeable, and genuinely understood my situation as a specialist. The interest-only period gave me the cash flow flexibility I needed in year one of ownership."

TM
Dr. T. Murphy
Orthopaedic Surgeon, Brisbane QLD
Why Probiz Finance

A finance partner who
speaks your language

We don't offer generic broking. We specialise in the financial world of medical professionals β€” understanding your career path, income complexity, and long-term goals.

πŸ†
Medical Lending Specialists

Our brokers understand how lenders assess doctor and specialist applications β€” we build your file for success, not a generic approval system.

🏦
50+ Lenders on Panel

Major banks, non-banks, and specialist medical lenders β€” giving you the most competitive rates and structures in the market.

⚑
End-to-End Service

From first consultation to settlement and beyond β€” we manage everything, keeping you informed without overloading your schedule.

🎯
Holistic Wealth Focus

We look beyond the loan β€” positioning your borrowing as part of a broader financial strategy across practice, property, and SMSF.

Finance specialist
Medical professional
50+lenders on panel
Common Questions

Everything you need
to know

Finance consultation
πŸ’¬
Still have questions?Call us on 0415 929 728 β€” free advice, no obligation
No. These loans use goodwill and equipment as security, so your home stays off the table. This is one of the most significant advantages of specialist healthcare finance over standard bank lending.
Yes β€” in many cases. Depending on the practice's goodwill value, patient base, cash flow history, and your professional profile, we can structure finance to cover the full purchase price.
Loan terms go up to 15 years, with interest-only repayments available for up to the first three years β€” giving you breathing room while you establish and grow the practice.
We consider intangible assets including patient base size and retention, practice reputation, intellectual property, systems, and future cash flow projections β€” not just physical assets.
Absolutely. We can finance the amount needed to buy into an existing partnership or to increase your equity share β€” structured to match the specific ownership arrangement being negotiated.
Yes. You can choose between fixed rate (for certainty in repayments), variable rate (to benefit from potential rate decreases), or a split structure β€” depending on your financial strategy.

Trusted lenders on our panel

NAB
ANZ
Westpac
Commonwealth Bank
BOQ Specialist
Macquarie
St. George
Bankwest
ING
Suncorp
Adelaide Bank
AMP Bank
La Trobe
Resimac

Let's talk about
your practice purchase

Whether you've already found the practice you want to buy, or you're just exploring your options β€” a 20-minute call with one of our healthcare finance specialists costs you nothing.

Medical centre Practice finance

MFAA Accredited Β· Australian Credit Licence No. 92740

Probiz Finance ABN 52 661 057 647 | Credit Representative Number 542838. Your full financial situation needs to be considered prior to any loan offer.

Book a Free Strategy Call

We'll be in touch within one business day.

πŸ”’ Your details are kept completely private Β· No obligation

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