Pharmacy & Healthcare Finance

Healthcare finance may be needed at various stages of your professional and business life. Here are some of the most common situations we help with:

• Buying a practice or pharmacy – Everyone’s circumstances differ, so how do you know which finance option is right for you? Our team will break down your options and guide you towards a solution that supports your cash flow at a critical stage in your career, whether it’s your first acquisition or an addition to an existing portfolio.
• Practice or pharmacy fit-outs – During a fit-out, the right funding structure is crucial. We’re here to ensure you end up with the practice or pharmacy you’ve always wanted to run, without compromising your working capital in the process.
• Healthcare equipment finance – Quality clinical equipment is essential to delivering the best patient care. Our healthcare finance solutions are designed to keep your practice equipped, whether you’re just starting out or upgrading to the latest technology.
• Home and car loans for healthcare professionals – Our finance services extend beyond your practice. If you’re buying your first home, growing your property portfolio, or looking to purchase a vehicle, our team can help make it happen.

From pharmacists to physiotherapists, dentists to GPs, we provide financial solutions across the full spectrum of healthcare professions in Perth and regional WA. We conduct an in-depth analysis of your situation and provide tailored solutions that reflect the regulatory environment and commercial realities within which health professionals operate.

Purchasing a pharmacy involves financing both the tangible assets and the goodwill component, which can represent the majority of the purchase price. Specialist lenders on our panel understand pharmacy valuations and will assess goodwill differently to a standard business loan. Our team works with Perth pharmacists at every stage of acquisition – from first-time buyers to established operators expanding their network

Healthcare practices – including GP clinics, dental practices, and allied health businesses – have income structures, licensing requirements, and asset profiles that general business lenders aren’t always equipped to assess confidently. Specialist healthcare lenders apply different serviceability models and security frameworks. Working with a broker who understands this distinction means your application is structured and presented to the right lender from the outset.

In some circumstances, yes. An SMSF can be used to purchase commercial property – including a practice premises – under a limited recourse borrowing arrangement, provided the property is used wholly for business purposes and meets the fund’s investment strategy. This is a complex area with strict ATO requirements, and we work closely with your accountant and SMSF trustee to ensure the structure is compliant and commercially sound.

Yes – and this is one of the most important considerations when financing a pharmacy acquisition. Goodwill is an intangible asset and lenders vary significantly in how much weight they will place on it as security. Some specialist lenders will lend against goodwill up to certain thresholds; others require additional tangible security. Getting this structure right before lodging an application is critical, and it’s an area where broker expertise makes a direct difference to the outcome.