Equipment finance for GPs, dentists, specialists, veterinarians and allied health professionals across Australia. Loans, leases and chattel mortgages structured around your practice cash flow and tax position — access to 50+ lenders, fast approvals.
Share the equipment type, estimated cost and your practice structure. No paperwork yet — a 15-minute call is enough to map your options across 50+ lenders.
We review your practice cash flow, entity structure and tax position alongside your accountant to identify the most effective finance structure for your situation.
Loan, finance lease or chattel mortgage — each has different tax and ownership implications. We explain the trade-offs clearly and recommend based on your actual position.
One application to the best-fit lender from our panel. We manage the process end-to-end. Straightforward applications for established practices typically settle within a few weeks.
Funds released directly to your supplier. Equipment arrives. Your cash flow is preserved — you can focus on patients, not paperwork.
"The structure decision — loan vs lease vs chattel mortgage — happens before the application is lodged. That's where you save money."
Pooja Chaudhary
MRI, CT scanners, X-ray, ultrasound, mammography — large-ticket imaging financed without property security in many cases.
Dental chairs, OPG machines, CBCT scanners, CAD/CAM systems, autoclaves — single items or complete fit-outs.
Anaesthetic machines, patient monitors, ECG systems, infusion pumps, laparoscopy and sterilisation equipment.
Surgical tables, anaesthetic units, digital radiography, laboratory analysers — new clinic fit-outs to single replacements.
Physiotherapy, rehabilitation devices, optometry instruments, dispensing automation, refrigeration and point-of-care testing.
The right structure depends on your tax position, entity type and cash flow. Information below is indicative — confirm with your accountant before deciding.
| Structure | Who owns the asset? | Tax treatment | GST | Best for |
|---|---|---|---|---|
| Equipment loan | You (from day one) | Depreciation claimable over asset life | Claimable on purchase | Long-term ownership; balance-sheet asset |
| Finance lease | Lender (during term) | Repayments often fully deductible as business expense | Claimable on each repayment | Maximum cash-flow efficiency; off-balance in some structures |
| Chattel mortgage | You (lender holds security) | Depreciation + interest deductible | Claimable upfront in full | GST-registered practices; instant asset write-off eligible |
| Operating lease | Lender (asset returned) | Payments deductible; no depreciation | Claimable on repayments | Fast-changing technology; lower long-term commitment |
Tell us your practice entity, tax position and the equipment you need — we’ll map the most effective structure before any application is lodged.
A specialist radiology group needed to replace ageing imaging equipment before a lease renewal. Their existing bank proposed a structure that didn’t align with the practice’s tax position. We restructured as a chattel mortgage, enabling full GST recovery upfront and aligning with the accountant’s depreciation strategy. Application to settlement in under 4 weeks.
Read case study →OPG machine + CBCT scanner · Finance lease structure · Working capital preserved
Full surgical suite fit-out · New clinic · Chattel mortgage — instant asset write-off eligible
Telehealth infrastructure + ECG fleet · Equipment loan consolidated across 3 practice entities
Client results are individual and not a guarantee of outcomes. Details have been generalised for privacy. Speak to Pooja for a situation-specific assessment.
Probiz Finance was founded by Pooja, a former NAB and ANZ banker with 25+ years of banking and lending experience. As an independent broker we have no incentive to push one lender over another — our only job is finding the right structure and lender for your practice.
We regularly coordinate directly with your accountant or financial adviser to ensure the finance structure fits your broader tax strategy before we lodge a single application.
Seamless equipment finance experience with Probiz Finance — highly recommend! As a business owner, investing in new equipment was a major decision and Pooja made the whole process straightforward. The structure she recommended saved us significantly on tax.
We recently worked with Probiz Finance and could not be more satisfied. Pooja coordinated directly with our accountant, which meant the finance structure was right before the application went in. Efficient, professional and genuinely in our corner.
I’ve relied on Probiz Finance for my business lending needs for quite some time now and every experience has been exceptional. Access to a wide lender panel without approaching banks directly is invaluable for a busy practice owner.
With an equipment loan you own the asset from day one and claim depreciation over its life. A finance lease keeps the lender as owner during the term and repayments are often fully deductible as a business expense. A chattel mortgage is similar to a loan but with a mortgage over the asset as security; GST is claimable upfront in full, which particularly suits GST-registered practices. The right structure depends on your entity type and tax position — we work this through with your accountant before any application is lodged.
Often yes. Many healthcare equipment finance facilities are secured against the equipment itself — particularly for items with strong residual value such as dental chairs, imaging systems and surgical units. The need for additional security depends on the amount, asset type and your practice’s trading history. We’ll tell you upfront which lenders will go unsecured for your situation.
Straightforward applications for established practices can be approved within a few business days once documentation is complete. Settlement to the supplier typically follows within one to two weeks of approval. Starting the finance conversation before you’ve committed to a supplier gives you the most flexibility on timing.
We work with applications from around $10,000 up to several million dollars for larger multi-site practices or high-value imaging equipment. Tell us the amount and asset type and we’ll confirm which lenders on our panel can assist and on what indicative terms.
Yes — and we actively encourage it. We regularly coordinate with accountants and financial advisers on entity structure, instant asset write-off eligibility and GST treatment before any application is lodged. Provide their contact details and we’ll loop them in directly.
Almost any revenue-producing equipment used in a healthcare practice — diagnostic imaging including MRI, CT and X-ray, dental chairs, OPG machines, surgical and anaesthetic equipment, veterinary suites, allied health devices, pharmacy dispensing systems and telehealth infrastructure. If you’re unsure whether a specific item qualifies, call or WhatsApp us and we’ll confirm within the hour.
The initial strategy conversation and assessment are free with no obligation. In most cases we’re paid by the lender when your finance settles. If a fee ever applies to a specific structure, it is disclosed in writing before you proceed — no surprises.
No credit checks at this stage, no obligation. We’ll come back to you within one business day with the best structure and which lenders on our panel will compete for your deal.
Either way, the structure decision should happen before you approach a supplier. A free strategy session with Pooja — no obligation, no fee, no credit checks at this stage.
Please feel free to contact us. We’re super happy to talk to you.
Feel free to ask anything.