Clinics, care and chairs
Health, care and personal service business loans
Dental surgeries, physio rooms, vet clinics, pharmacies, childcare centres, NDIS and home care providers, gyms, salons and tattoo studios.
Health and personal-service businesses tend to be built around registered people, fitted-out rooms and repeat clients. Lenders like the steady demand, but they look closely at who the revenue really belongs to, how much comes from government schemes such as Medicare, the PBS, the NDIS or the Child Care Subsidy, and what the fit-out would be worth if the doors closed.
The guides below explain, industry by industry, what these businesses usually borrow for and how an application is read. Each ends with a plain path to seeing whether your business qualifies.
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Industry guides in health & care
Each guide covers typical borrowing needs, how lenders read the industry, documents, red flags and illustrative scenarios.
Dental practices
Dental practice finance guide: what dentists borrow for, how lenders read billings, patient books and fit-outs, documents to gather and red flags to avoid.
Read the guide →Physio and allied health
Physio clinic finance for allied health owners: what clinics borrow for, how lenders read utilisation and funder claims, key documents and red flags to fix.
Read the guide →Veterinary clinics
Vet clinic loan guide: what veterinary practices borrow for, how lenders read vet numbers, client payments and equipment, what to prepare and red flags to fix.
Read the guide →Pharmacies
Pharmacy business loan guide: what pharmacies borrow for, how lenders read scripts, front-of-shop sales and wholesaler terms, what to prepare and the red flags.
Read the guide →Medical centres and GP clinics
Medical centre finance guide: what GP clinics borrow for, how lenders read doctor agreements, billing mix and payroll tax, and the red flags to sort first.
Read the guide →Childcare centres
Childcare centre loan guide: what centres borrow for, how lenders read occupancy, ratings and subsidy income, the documents to gather and red flags to fix.
Read the guide →NDIS providers
NDIS provider finance guide: how lenders read claiming history, registration and participant mix, what providers borrow for and the red flags to fix.
Read the guide →Aged care and home care
Home care provider finance guide: what aged care and home care businesses borrow for, how lenders read claims and staffing, and the red flags to fix.
Read the guide →Gyms and fitness studios
Gym equipment finance guide: what gyms and studios borrow for, how lenders read memberships, churn and direct debits, and the red flags to fix first.
Read the guide →Hair and beauty salons
Salon fit-out finance guide: what hair and beauty salons borrow for, how lenders read rebookings and stylist models, and the red flags to fix first.
Read the guide →Tattoo studios
Tattoo studio loan guide: what studios borrow for, how lenders read artist models, deposits and licences, and the red flags that slow an application.
Read the guide →Optometrists
Optometry practice finance explained: how independent optometrists fund OCT scanners, frame walls and practice buy-ins, and what lenders check first.
Read the guide →Chiropractors
Chiropractic clinic finance: how chiros and osteos fund adjusting tables, imaging, fit-outs and practice purchases, and what makes a lender say yes sooner.
Read the guide →Psychologists
Psychology practice finance for private psychologists and counselling owners: funding rooms, hiring clinicians and smoothing cash flow, and how lenders read it.
Read the guide →Beauty clinics and spas
Beauty clinic and day spa loans: how skin clinics and spas fund lasers, treatment rooms and retail stock, how lenders read packages, and the traps to avoid.
Read the guide →Pet grooming and boarding
Pet grooming and boarding loans: how groomers fund mobile vans and salons, how kennels finance upgrades, and why holiday peaks shape what lenders look for.
Read the guide →Tutoring and RTOs
Tutoring and RTO business loans: how tutoring centres, coaching colleges and training organisations fund growth, ride term cycles and keep cash flowing.
Read the guide →Dance and martial arts studios
Dance and martial arts studio loans for boutique studios: funding sprung floors, mats, reformers and fit-outs, and how lenders read term fees and memberships.
Read the guide →Run a health & care business? See what's possible
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