How your equipment finance is structured affects your cash flow, your tax position, and what you can borrow later. Most medical professionals don't find this out until after they've committed. We work through the options with you before you sign anything.
Vendor finance is convenient. Paying cash feels simple. But both can cost you more than you realise — not just now, but when you want to borrow for rooms, a practice buy-in, or a home loan in the next few years. The structure of your equipment finance affects your borrowing capacity, your cash flow, and your tax position. We look at all three before recommending anything.
The right structure spreads costs appropriately without tying up working capital or creating repayment pressure at the wrong time in your practice cycle.
Different finance structures have different tax treatment. Getting advice before you sign means you're not leaving money on the table or creating an unnecessary tax problem.
What you finance today shows up in your liability position tomorrow. Structure it correctly and your capacity to borrow for rooms or a practice buy-in stays intact.
Vendor finance from equipment suppliers is common in medical. It's convenient — but it's designed for the supplier, not for you. Before you accept it, let us check whether there's a better structure available. In most cases there is.
We'll look at the rate, the term, the structure, and how it fits with what you're planning to do in the next 12–24 months. No obligation.
Get a Second Opinion on Your OfferMedical Finance Australia is the specialist medical lending division of Model Mortgages, led by Phil Riches and Virginia Graham Riches. Phil spent his early career at Westpac before joining the business in 2010. Virginia founded Model Mortgages in 2004. Together they lead a handpicked team of specialist brokers with over 20 years of experience across medical, commercial and residential lending.
Most of our medical clients come through referrals. If someone pointed you here, you're in the right place.
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