Healthcare Business Loans to invest in the practice with confidence.
Working capital for medical, dental and allied health practices — fixed, predictable terms from a direct lender.
Building a practice takes investment — equipment, fit-outs, software and the right people. A healthcare business loan from Business Loan Co gives medical, dental and allied health practices the working capital to invest with confidence, repaid on fixed, predictable terms.
Application to funds — measured in days, not weeks.
Because we're the actual lender, your application doesn't bounce between brokers, panels and credit teams. One Adelaide-based team, one decision, one source of the money.
Start your applicationHow practices use it.
It's one loan you can spend however the business needs — these are the reasons healthcare businesses borrow most often. There are no restrictions on how you use the funds.
Equipment
Chairs, imaging and devices that lift your care.
Fit-out & refurbishment
Building or refreshing the practice space.
Staff & locums
Covering wages, recruitment and locum cover.
Practice software
Practice-management and patient systems.
Expansion
Adding rooms, services or a second location.
Working capital
Smoothing running costs between billing cycles.
Three things to apply.
We look at the health of your business — not big-bank-style thresholds. If you're trading and your cash flow is real, you can almost certainly apply.
Australian business with an ABN
You must hold an active ABN. We lend to companies, trusts, partnerships and sole traders.
At least 6 months of trading history
Newer than that and we won't have enough of a picture to underwrite responsibly.
Monthly turnover from $5,000
We look at the health of your cash flow more than any single threshold — but $5K/month is the floor.
A direct lender — not a broker.
Most "business loan" sites in Australia are brokers who pass your application to a panel and take a commission. We're the actual lender — we fund the loan ourselves, from our own book, out of our Adelaide office. The person who picks up the phone is the person making the decision.
Apply nowWe fund it ourselves
Your application stays with us — assessed, approved and funded in-house. No panel, no shopping around.
A real person on the phone
A lending specialist in our Adelaide office reviews your application and calls to confirm the details.
Pricing confirmed before you sign
Your specialist sets out the amount, term and repayments in plain dollars before you commit to anything.
A quote first. Then you decide whether to apply.
Your quote builds inside the application — you'll see the numbers before you submit anything. Here's the whole process, start to finish.
Apply online
A short form, about ten minutes. Your quote — amount, term and repayments — builds on screen as you go.
See it, then decide
Nothing's submitted until you're happy. If the numbers work, submit; if not, walk away — no cost.
A specialist reviews it
A real lending specialist in our Adelaide office reviews your application and calls to confirm the details.
Get funded
Once you sign, approved customers are often funded the next business day, straight to the business account.
A quote is provided within the application, and you decide whether to proceed at that point. Loans are subject to eligibility and assessment — approval is never guaranteed. Pricing is confirmed by your lending specialist before you sign. Business Loan Co is a direct lender. ACN 609 323 337.
Questions healthcare businesses ask.
The product is the same for everyone — these are the questions we hear most from healthcare operators. The full FAQ covers eligibility, repayments and support.
Read the full FAQMedical, dental and allied health practices and clinics with an active ABN, at least 6 months of trading and turnover from $5,000 a month. We lend to companies, trusts, partnerships and sole traders.
Yes. Practices commonly use the funds for equipment, fit-out or refurbishment, practice-management software, staff and locum costs, or expanding to new rooms or a second location. The use of funds is up to you.
No. Every application is assessed by a real lending specialist who looks at the health of your practice. We don't offer guaranteed or instant approval — but you'll get a straight answer, usually the same business day.
It's a single product with fixed weekly or daily repayments over a 12 to 18 month term. Your specialist confirms the amount, term and pricing with you before you sign — clearly, in plain dollars.
Get a real answer
from a real person.
10-minute application. Decision within hours. Funds, often the next day.