Clinics and aesthetics
You have already picked the machine. The finance shouldn't be the part that takes three weeks and eleven emails, or the part where your bank says no because it doesn't understand what a laser is worth.
What gets funded
The big-ticket item, usually the one holding up the decision. New, demo or second-hand from a supplier.
LED beds and panels, skin analysis, microneedling, HIFU, RF. Smaller tickets that still add up across a fitout.
Higher value again, and the category where lenders differ most on whether they will touch it at all.
Beds, chairs, cabinetry, sterilisation, lighting. Fitouts can be funded as one facility rather than piece by piece.
If you are buying direct from an overseas supplier rather than an Australian distributor, that changes who will fund it. It is not a dead end, it is a different lender.
Stock, staff, a quiet quarter, or an ATO bill you would rather not pay out of the account. Funded as a business loan, no asset required.
Worth knowing before you apply anywhere
Resale on a used laser is thin and lenders know it. A chunk of the panel declines this category on sight, which is why a clinic owner often hears no from their bank and assumes that is the answer. It is not. Knowing which lenders are comfortable here is most of the job.
It changes which lenders are in play and what they will want to see, usually more on the trading history and less on the asset. Worth a conversation before you assume you have to wait.
Suppliers have lead times, and a machine sitting in a crate earns nothing. Depending on the lender and the structure, settlement can be timed around delivery and training rather than the day you sign.
Buying a used machine from another clinic is common and fundable. It needs a different lender and a bit more paperwork, and it is worth knowing that before you commit to the purchase.
How it's structured
My partner runs a clinic, so I've watched this world up close for years. What the machines actually cost. How long suppliers can take to deliver one and how much the busy periods can change from month to month.
Which is why cash flow matters more in a clinic than in most businesses I work with. Money sitting in the account is what carries you through the quiet stretch, and a lot of clinic owners underrate that until they are in one.
I'm not going to tell you I'm the country's biggest medical equipment broker. I've funded laser and LED machines for clinic owners, I know which lenders are comfortable with the category and which will waste your time, and I'll tell you honestly on the first call whether your deal is one I can do well. If it isn't, I'll say so rather than string you along for a fortnight and then decline it.
Bradley Mangan · Director and finance broker · Credit Representative 570476
How it works
Two minutes on the form or a phone call. What the machine is, roughly what it costs, and how long you have had the ABN. No credit enquiry is lodged at this stage.
Rather than one bank's appetite, a panel of 55+. I will tell you the same day whether it flies, and if it will not, I will tell you that too rather than string it out.
Paperwork, approval, settlement. Where it suits, timed so the finance lands with the equipment rather than months before it.
Check what's possible
Two minutes. No credit enquiry is lodged at this stage, so nothing here touches your credit score.