Why medical & allied health practices use private credit
Medical and allied health practices are usually strong credits — but strong credits still get caught by timing. A consulting suite comes to market, a partner exits, or a fit-out has to be completed before billings begin. Envision Private arranges business and investment purpose facilities secured by Australian real property, so a practice or practitioner with property equity can transact on a commercial timeline and refinance to a bank once the position is stabilised.
Common funding scenarios
- Purchasing consulting rooms, a medical suite or a clinic freehold
- Funding a practice fit-out, expansion or equipment installation
- Acquiring a practice or buying out a departing partner
- Bridging between the purchase of new premises and the sale of the old
- Releasing equity from an investment property to fund practice growth
- Refinancing an expired or repriced bank commercial facility
Security we consider
- Medical suites, consulting rooms and clinic freehold
- Commercial and mixed-use investment property
- Residential investment property held by practitioners or their entities
- Second-ranking security behind an existing bank facility
Frequently asked questions
Can I use private credit to buy consulting rooms?
Yes. Commercial premises purchases for a practice are investment or business purpose lending and can be funded by a first or second mortgage facility.
Do you lend to practitioners individually or to the practice entity?
Both, provided the purpose is business or investment related and appropriate registered mortgage security is available.
How long are the loan terms?
Typically 6 to 24 months, structured around a defined exit such as a bank refinance, a settlement or a property sale.
Is this consumer lending?
No. Envision Private is not an NCCP-regulated lender and arranges business and investment purpose loans only.
Important: Envision Private is not an NCCP-regulated lender. We arrange business and investment purpose loans only, funded by wholesale, sophisticated and professional investors, HNW individuals and family offices.