Commercial property loan · Dental practices
Commercial property loan for dental practices
Dental practice finance is equipment-led lending for chairs, imaging and surgery fit-outs, alongside acquisition and premises funding, priced on the strength of recurring patient billings and practitioner registration.
How a commercial property loan works for dental practices
Once a practice has invested several hundred thousand dollars in a tenancy it cannot easily move, which is a strong argument for owning the premises. A commercial property loan funds the purchase with a deposit usually in the 20–30% range, and lenders regard an established dental tenancy as excellent security precisely because the fit-out anchors the tenant. Owner-occupied clinics often price near the bottom of the commercial range. Get advice on whether the property belongs in the practice entity, a trust or your super fund.
The cash-flow pattern we plan around
Consistent weekly billings from routine and restorative work, with occasional very large capital outlays each time a surgery is added or imaging is upgraded.
What dental practices typically fund
- Dental chairs and delivery units
- OPG, CBCT and intraoral imaging
- Surgery fit-out and infection-control compliance
- Buying a practice or a partnership share
- CAD/CAM and milling equipment
Commercial property loan for dental practices: the numbers
| Typical amounts | $250,000 – $20,000,000 |
|---|---|
| Term | 12–360 months |
| Indicative rates | 6.2% – 9.9% p.a. |
| Repayments | Monthly |
| Speed | 2–6 weeks |
| Documents dental practices usually need | ABN and AHPRA dental registration · Practice financials or personal tax returns · Equipment or fit-out quote from the supplier |
Rates shown are indicative ranges observed across our lender panel for the period stated. They are not an offer or quote. Your rate depends on your business, the lender, the amount, the term and the security offered. The lender makes the final credit decision.
Key terms
Dental equipment finance
Dental equipment finance is secured lending for dental chairs, imaging systems, milling units and sterilisation equipment, usually written over five to seven years and available to registered dentists with limited financial documentation.
Surgery fit-out funding
Surgery fit-out funding is finance covering the non-removable works needed to commission a dental surgery — services, cabinetry, plumbing and compliance zones — repaid across the term of the practice lease.
What is a commercial property loan?
A commercial property loan is a mortgage over non-residential property such as offices, warehouses, retail or industrial units. It can be full-doc, low-doc or lease-doc depending on how servicing is assessed.