---
title: Medical & Healthcare Finance
description: Lending and financing for the healthcare and medical industry has expanded in recent years.
---

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# [Medical & Healthcare Finance](https://blog.mcpfinancial.com.au/medical-healthcare-finance)

 Written by [David McCleery](https://blog.mcpfinancial.com.au/author/david-mccleery) | Sep 8, 2020 11:39:57 AM

The Healthcare and Medical sector has long been a preferred segment for banking and finance. Credit providers increasingly focus on understanding what drives behaviour and credit risk in specific industries, and set lending policies accordingly. Therefore lending to the healthcare practitioners and staff has expanded in recent years.  
 

There is a range of medical finance options for borrowing that fit a number of purposes. This can include establishing new practices, working capital lending, [equipment finance](https://www.mcpfinancial.com.au/client-services/equipment-finance) and [property](https://www.mcpfinancial.com.au/client-services/mortgage-finance).

#### **Potential Benefits & Opportunities**

Competition between financiers is strong, and several lenders have developed expertise that has developed into specialised health teams.

In turn, this has built greater performance insights and benchmarks in the industry, allowing financiers to take a stronger lending position compared with standard credit policy that applies in other lending scenarios.

Some of the funding opportunities available include:

- Lending of up to 95% of Market Value (LVR) of Practice Premises (excluding Greenfield sites)
- Lending of up to 75% LVR for Practice Goodwill being purchased/established
- Pre-approval for Equipment Finance facilities - up to circa $350,000
- Lending for working capital purposes on an unsecured basis
- Lending of up to 100% LVR to purchase Owner Occupied Residential Property
- Lending of up to 95% LVR to purchase Investment Residential Property

Interest rates and terms are varied, based on the mix of facilities taken above.

#### **Preferred Healthcare & Medical Professions **

The range of healthcare sectors eligible for medical lending has expanded in recent years. There are lenders who offer finance to these positions:

- Medical Doctors (General & Specialist)
- Registered Nurses
- Dentists
- Veterinarians
- General Practitioners 
- Physiotherapists
- Pharmacy
- Junior Medical Officers & Interns
- Emergency Services, such as Paramedics

Some specialist lenders also offer lending to qualifying Healthcare Administration and Operations staff.

#### **General Credit Criteria**

- Borrowers must generally have three years of professional experience
- A Practice must meet performance standards such as Interest & Debt Service Cover
- Practitioners must be registered with relevant professional regulators

For more information, or to talk about a scenario, please contact us.

 

#### Our [Online Medical Industry Finance Guide](https://landing.mcpfinancial.com.au/medical-services-finance)<https://landing.mcpfinancial.com.au/medical-services-finance> can provide more insights

#### **[Contact MCP](https://www.mcpfinancial.com.au/contact) 1300 510 816 or your Finance Partner **[mailto:enquiry@mcpfinancial.com.au](mailto:enquiry@mcpfinancial.com.au)

#### [**enquiry@mcpfinancial.com.au**](mailto:enquiry@mcpfinancial.com.au)

Follow us on [LinkedIn](https://www.linkedin.com/company/16820)

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*The team at MCP Financial Services has specialised expertise in structuring complex debt arrangements. We can assist with review and restructuring, refinancing and renegotiating.*

 

 

[View full post](https://blog.mcpfinancial.com.au/medical-healthcare-finance)

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