Borrow up to 100% of the purchase price — with goodwill and equipment as security, not your home. Specialist lending that assesses practices the way they should be valued.
When you buy a medical practice, the majority of the value is in the patient base, reputation, and relationships built over years. Traditional lenders rarely account for this — which is why most doctors are told they need to put their home on the line.
Probiz Finance works with specialist healthcare lenders who assess your practice on goodwill, future cash flows, and your professional standing. That means up to 100% of the purchase price, without risking personal property.
Purpose-built lending structured around how medical practices are actually valued — recognising what traditional lenders consistently miss.
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Borrow the full purchase price using goodwill and equipment as security — no need to put your home on the line.
Finance up to 100% to buy into an existing partnership or grow your ownership stake, structured to your exact scenario.
Generous repayment terms with interest-only available for up to three years to keep early-stage cash flow flexible.
We assess patient base, reputation, intellectual property, and future cash flow — not just bricks and mortar.
Fixed certainty or variable flexibility — choose the structure that fits your financial strategy and risk profile.
Access equity built up in goodwill and tangible assets for personal or business needs as your practice grows.
We've streamlined the process so you can focus on finding the right practice — not drowning in paperwork.
Tell us about the practice you want to buy. We assess your situation — no obligations, no cost.
We design the right loan term, rate type, and entity structure to fit your exact scenario.
We move quickly with lenders who understand healthcare — so you don't miss the right opportunity.
We guide you to settlement and stay as your finance partner as your practice grows.
Real deals, real professionals, real outcomes. Client details anonymised per our privacy policy.
Client results are individual outcomes. Details anonymised. Not a guarantee of future results.
A few concepts come up in almost every practice purchase conversation. Here's what they actually mean, in plain terms.
Goodwill is the value of a practice beyond its physical assets — its patient base, reputation, referral relationships and ongoing revenue. Standard business lenders often struggle to value it because it isn't a tangible asset they can repossess. Specialist healthcare lenders build goodwill into their valuation and security model specifically because they understand how patient bases and referral pathways behave in medical, dental and allied health practices.
In an asset sale, you buy the practice's assets and goodwill directly — the entity itself doesn't change hands. In a share sale, you buy shares in the company that owns the practice, taking on its existing structure, contracts and liabilities. The two have different tax, liability and finance implications, and lenders will structure the loan differently depending on which applies. Your accountant and solicitor should confirm which structure suits your situation before finance is arranged.
A partnership buy-in means purchasing an equity share in an existing practice alongside other principals, rather than acquiring the entire business. Lenders typically look at your share of the practice's goodwill and earnings, plus the partnership agreement itself, rather than the practice's full valuation. This can be a lower-capital entry point into practice ownership than buying outright.
Beyond the practice's financials, lenders typically look at your professional registration and standing, any existing debt or liabilities, the practice's patient base and referral stability, and the terms of the sale agreement itself. Specialist lenders weigh these differently to a generalist bank because they see healthcare practice transactions regularly and understand what a sustainable practice looks like in your field.
Purpose-built for registered healthcare professionals ready to take the next step in practice ownership.
Buying out a retiring partner or purchasing an independent practice — lenders understand GP billing models and goodwill structures.
Establishing or expanding a specialist practice — we know how to present high-income specialist files to the right lenders.
Purchasing an existing dental practice or buying into a group — dental goodwill and equipment are well understood by specialist lenders.
Acquiring or expanding an existing business — both sectors have strong goodwill positions that specialist lenders are comfortable funding.
Physios, optometrists, psychologists and more — allied health practices carry genuine goodwill value that we help quantify for lenders.
Finance for any registered health professional increasing their equity share — structured to match the specific ownership arrangement being negotiated.
Seamless equipment finance experience with Probiz Finance - highly recommend! As a business owner, investing in the right equipment is crucial, and Probiz Finance made the entire process stress-free and efficient...
We recently had the pleasure of working with Probiz Finance and could not be more satisfied with the experience. From the initial consultation to the final approval, the team was professional, knowledgeable, and incredibly supportive...
I've relied on Probiz Finance for my business lending needs for quite some time now, and every experience has been nothing short of exceptional. Their expertise in business finance is truly impressive...
We don't offer generic broking. We specialise in the financial world of medical professionals — understanding career paths, income complexity, and long-term wealth goals.
We understand how lenders assess doctor and specialist applications — we build your file for success, not a generic template.
Major banks, non-banks, and specialist medical lenders — the most competitive rates available in the market.
From first consultation to settlement and beyond — we manage everything, keeping you informed throughout.
We look beyond the loan — positioning your borrowing as part of a broader strategy across practice, property, and SMSF.
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 — 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 — 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 — not just physical assets on a balance sheet.
Absolutely. We can finance the amount needed to buy into an existing partnership or to increase your equity share — structured to match the specific ownership arrangement being negotiated.
In most cases we're paid a commission by the lender when your loan settles, not by you. If a fee ever applies to your situation, it's disclosed in writing before you commit to anything — no surprises.
Goodwill is the value of a practice beyond its physical assets — its patient base, reputation and ongoing revenue. Standard lenders often can't value it properly since it isn't a repossessable asset. Specialist healthcare lenders build goodwill into the security model, which is often why practice finance can go further than a standard business loan.
An asset sale means you buy the practice's assets and goodwill directly. A share sale means you buy shares in the company that owns the practice, taking on its existing structure and liabilities. The two have different tax and finance implications — your accountant and solicitor should confirm which applies before finance is arranged.
Often, yes. Lending criteria and goodwill valuation approaches can differ by profession, reflecting differences in typical patient bases, referral pathways and earning patterns. A specialist healthcare lender will usually assess your application against benchmarks specific to your field rather than generic business lending criteria.
If you're buying the premises along with the practice, that's typically structured as a separate (or combined) commercial property component alongside the practice/goodwill finance, since property and goodwill are usually assessed differently by lenders. We'll walk through how that affects your overall structure during your strategy call.
Whether you've already found the practice you want to buy, or you're just exploring your options — a 20-minute call costs nothing and could change everything.
We'll be in touch within one business day.
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