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Medical Equipment Finance

Looking for flexible, tax-effective medical equipment finance? Let us save you time, money and hassle!

FLOW Financial Services

Your practice runs on its equipment and we've got the finance to keep it current

Medical and dental equipment is expensive, and it doesn’t stay current forever. A new dental chair, an ultrasound unit or a theatre fit-out can each run well into five or six figures, and paying cash pulls working capital away from staff, premises and the day-to-day running of the practice. The right finance structure gets the equipment in the door while your capital keeps doing its job.

Medical equipment is typically financed through one of two commercial structures. Under a chattel mortgage, the practice owns the equipment from day one, interest and depreciation are deductible against business income, and GST on the purchase price may be claimed upfront. Under a finance lease, the finance company owns the equipment during the term, the practice makes regular payments, and those payments are generally fully deductible as a business expense.

FLOW Financial Services arranges commercial asset finance for healthcare businesses across Australia. That covers dental chairs, X-ray units and sterilisation equipment, diagnostic imaging including ultrasound, physiotherapy and rehabilitation equipment, surgical equipment and theatre fittings, optometry instruments, allied health equipment across podiatry, chiropractic and occupational therapy, laboratory and pathology equipment, and practice management and clinical IT systems.

medical equipment financing for new dental clinic
Years Experienced
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  • Premium personal service
  • 300+ 5-star google reviews
  • Loan protection packages
  • Easy Online Process
  • Market leading Interest Rates
  • Fast turnaround times
  • High Approval rates
  • Protect your credit score
  • Expert Loan Brokers
  • 40+ Trusted Lenders
  • Tailored Loan Products
  • Flexible Repayment options

Why Choose Us

Whether you’re fitting out your first practice or upgrading an established one, medical equipment finance is one of our specialties.

Commercial equipment finance involves a number of variables. Rates, term lengths, residuals and tax treatment all affect the total cost, and healthcare assets bring their own quirks around age, condition and resale value.

Maybe you’re weighing up a chattel mortgage against a finance lease. Perhaps you want to know if refurbished equipment can be financed, or whether a new practice with a new ABN will qualify and how the structure affects your GST and depreciation position.

We answer these questions every day. FLOW works with a panel of more than 40 lenders, including commercial specialists with experience in healthcare and allied health lending. We compare the full picture rather than just the headline rate, so the deal you choose is the right one across the life of the finance.

SAVE MONEY

Our network of over 40 lenders gives us access to rates and structures you won’t always find going direct. On medical equipment at this price point, the difference between lenders and structures can add up to thousands of dollars over the term.

SAVE TIME

We manage the finance process from first conversation to settlement. Rather than fielding lender calls between patients, you hand it to us. The applications, the documentation and the follow-up are ours to deal with while you keep your practice running.

EXPERT ADVICE

We take the time to understand your practice before recommending anything. Tax position, GST registration, and whether you prefer ownership or off-balance-sheet treatment all shape the right structure, and we’ll explain the practical difference for your situation.

STRESS LESS

We speak with lenders before any formal application goes in, so we only proceed with options that are genuinely likely to get approved. That protects your credit file from unnecessary enquiries and makes the whole approval process a lot less stressful.
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FAQs

Our Frequently Asked Questions. If you have any further questions, please contact us.

Medical equipment finance covers the commercial loan and lease products used to acquire equipment for a medical, dental or allied health practice, from dental chairs and imaging equipment through to clinical IT systems. The equipment is financed as a business asset, usually through a chattel mortgage or finance lease.
Any healthcare business acquiring equipment for commercial use can apply for medical equipment finance: sole traders, partnerships, companies and trusts. We work with GPs, dentists, specialists, allied health practitioners, laboratories and multi-site practice groups.
Get in touch with details of the equipment you’re looking at, including age and condition if it’s not new, and a rough figure for the total spend. We’ll ask for some basic documentation, talk through your situation and tell you what’s realistic before anything formal is submitted.
Typically business trading history and financial statements, ABN registration, details of the equipment being purchased, and your practice structure. We’ll tell you exactly what your application needs before you start gathering anything.
Often, yes. Low doc pathways are available for newer ABNs depending on the equipment type and value. Our brokers know which lenders are more amenable to lending to new practices and will point your application to them.
Yes. Many lenders finance used medical equipment. The asset’s age, condition and resale value affect the terms available, and we’ll tell you upfront which lenders suit the specific equipment you’ve found.
The two most common are a chattel mortgage, where the practice owns the equipment from day one with interest and depreciation deductible and GST potentially claimable upfront, and a finance lease, where the financier owns the equipment during the term and payments are generally fully deductible. The right choice depends on your tax position, GST registration and preference for ownership or off-balance-sheet treatment. We’ll compare both.

Terms typically range from one to seven years. Longer terms reduce monthly payments but increase total interest, and residual values change the picture further. We’ll show you the real comparison across the life of the loan, not just the monthly figure.

Potentially. Depending on the structure, eligible practices may claim deductions for depreciation and interest, or for lease payments in full, and GST-registered businesses can generally claim the GST on a chattel mortgage purchase in their next BAS. Tax treatment varies with the structure and your circumstances, so confirm the specifics with your accountant.

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What Our Happy Clients Say About Us

female ophthalmologist getting medical equipment financing

FLOW FS

FLOW is the finance broker healthcare businesses trust to keep their practices equipped

You know exactly what the practice needs. Your finance shouldn't be the thing that delays it. Talk to our specialists about a structure built around your tax position and cash flow, with competitive rates from a panel of more than 40 lenders including healthcare lending specialists. We do the running around, you get back to your patients.

Get Equipment Finance Today

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Let’s protect your credit score and access low rates now!

Fill out the form below, and we will be in touch shortly.