Medical Equipment Loans Australia

Medical and healthcare equipment finance sits at the intersection of two things most lenders understand poorly: complex clinical technology and the regulatory and income structures of Australian healthcare practice. A general equipment lender knows how to assess a CNC machine or a forklift. Assessing a Planmeca Romexis CBCT scanner, a Siemens Healthineers Somatom CT unit, or a GE Healthcare Venue ultrasound system requires understanding TGA device classifications, Medicare Benefits Schedule item numbers, the income predictability of bulk-billing versus private billing practices, and the AHPRA registration framework that ensures the healthcare professional operating the equipment can legally do so. Most general lenders lack this depth. Most medical equipment finance pages describe the sector in terms that reveal similar shallowness.

Australian Finance & Loans is an independent finance broker with access to over 50 lenders including specialist healthcare and medical equipment financiers who understand the clinical and regulatory context of what they are funding. This page covers the full spectrum of medical equipment finance: dental practice equipment with specific pricing by brand; diagnostic imaging from OPG to MRI; allied health and physiotherapy equipment; veterinary practice equipment; aesthetic and cosmetic clinic technology; laboratory and pathology equipment; how Medicare-funded income creates one of the strongest income cases in equipment finance; and how TGA device classification affects the lender's assessment of the equipment they are financing.

Why Medical Equipment Finance Is Different from Standard Equipment Finance

TGA regulation and device classification

The Therapeutic Goods Administration (TGA) regulates all medical devices sold and used in Australia. Medical devices are classified into risk classes (Class I through to Class AIMD) based on the potential risk to patients. Class I devices (low risk: bandages, examination gloves) are self-assessed. Class IIa and IIb devices (medium risk: powered wheelchairs, dental drills) require TGA conformity assessment. Class III devices (high risk: cardiac pacemakers, coronary stents) and active implantable medical devices (AIMD) require the most rigorous assessment. Diagnostic imaging equipment including X-ray, CT and MRI systems are typically Class IIb or Class III medical devices, as are complex dental systems such as CBCT and digital radiography systems.

TGA classification matters for medical equipment finance because the registration of a device on the Australian Register of Therapeutic Goods (ARTG) confirms that the device meets Australian safety and performance standards. Specialist medical equipment lenders verify ARTG registration as part of their equipment assessment. An unregistered medical device cannot be legally supplied or used in Australia, making it an inappropriate security for a lender. We confirm ARTG status for every medical equipment finance application.

AHPRA registration and the income case

The Australian Health Practitioner Regulation Agency (AHPRA) manages the national registration of health practitioners across 16 professions including medicine, dentistry, nursing, physiotherapy, optometry and pharmacy. AHPRA registration is the prerequisite for operating as a healthcare professional in Australia. For a lender financing a $150,000 dental CBCT scanner, the operating dentist's current AHPRA registration in good standing is the foundational income security: if the registration is revoked, the practice cannot operate and the loan cannot be serviced. Specialist healthcare lenders check AHPRA registration status and may require evidence of current registration as part of the application. This is a dimension of medical equipment finance that general equipment lenders do not assess.

Medicare income: the most reliable income stream in Australian equipment finance

A medical or dental practice with a significant Medicare or DVA bulk-billing volume has one of the most predictable and reliable income streams available to any small business. Medicare pays within 2 to 3 business days of a valid claim submission. The payer is the Commonwealth of Australia — there is zero default risk. A GP practice bulk-billing 150 patients per week at an average Medicare payment of $45 generates approximately $350,000 per year in income that arrives within 2 to 3 business days of each consultation. This income characteristic is extremely favourable for loan serviceability assessment. Specialist healthcare lenders weight Medicare income more favourably than equivalent cash or EFTPOS revenue because of its certainty and speed of payment. We ensure that Medicare income is properly documented and presented in every relevant medical practice loan application.

Dental Equipment Finance

Dental practices are among the highest-value equipment purchasers in Australian healthcare. A new dental practice establishment or major equipment upgrade can represent $200,000 to $800,000 in capital expenditure on clinical equipment alone before fitout costs. The following covers the main dental equipment categories with current 2025 Australian pricing.

Dental Treatment Units (Chairs)

• A-dec 500 dental chair unit: $28,000 to $38,000 AUD. The A-dec 500 is one of the most widely specified dental chairs in Australian practices

• A-dec 300 dental chair unit: $22,000 to $30,000 AUD. Mid-range A-dec for cost-conscious practice setups

• Planmeca Sovereign Classic dental unit: $30,000 to $45,000 AUD

• Belmont Clesta II dental chair: $25,000 to $35,000 AUD

• KaVo ESTETICA E70 Vision dental unit: $35,000 to $50,000 AUD. Premium German-engineered unit with integrated imaging capability

• Sirona C-series dental units: $30,000 to $45,000 AUD

• A 4-operatory practice fit with premium A-dec or Planmeca chairs costs $112,000 to $180,000 in chair units alone

OPG (Orthopantomogram) Panoramic X-Ray

• Carestream CS 8200 3D OPG: $35,000 to $45,000 AUD with 3D functionality

• Planmeca ProMax 2D OPG: $25,000 to $35,000 AUD

• Dentsply Sirona Orthophos S OPG: $30,000 to $45,000 AUD

• Vatech Green 16 OPG: $22,000 to $32,000 AUD. Korean-manufactured, widely used in Australian general dental practices

• A basic OPG-only unit without cephalometric imaging is typically $18,000 to $28,000 AUD

CBCT (Cone Beam Computed Tomography)

CBCT provides 3D volumetric imaging for implant planning, orthodontic assessment, endodontic diagnosis and maxillofacial surgery planning. It is the single highest-capital imaging investment in most dental practices.

• Planmeca ProMax 3D Max CBCT: $70,000 to $100,000 AUD. Large field of view, widely used in specialist and high-volume general practices

• Carestream CS 9600 CBCT: $80,000 to $120,000 AUD

• Kavo OP 3D CBCT: $65,000 to $95,000 AUD

• Vatech PaX-i3D CBCT: $55,000 to $85,000 AUD. A competitively priced entry point for CBCT capability

• Dentsply Sirona Orthophos SL 3D: $70,000 to $110,000 AUD

• Combined OPG/CBCT units (a single unit providing both 2D panoramic and 3D CBCT): $60,000 to $120,000 AUD depending on field of view and manufacturer

Intraoral Digital Sensors and Imaging

• DEXIS Titanium intraoral sensor: $8,000 to $14,000 AUD per sensor

• Carestream RVG 6200 intraoral sensor: $7,000 to $12,000 AUD

• ACTEON Sopix 2 sensor: $6,000 to $10,000 AUD

• Full-practice intraoral sensor set for 4 operatories (4 sensors + software): $24,000 to $56,000 AUD

Intraoral Scanners

• 3Shape TRIOS 5 wireless intraoral scanner: $25,000 to $35,000 AUD. The market-leading intraoral scanner in Australian dental practices

• Dentsply Sirona Primescan: $28,000 to $38,000 AUD

• Medit i700 wireless intraoral scanner: $18,000 to $25,000 AUD. Highly competitive value proposition

• iTero Element 5D Plus: $25,000 to $35,000 AUD. Preferred by Invisalign-focused practices

CAD/CAM Milling and In-Office Restorations

• Dentsply Sirona CEREC Primemill: $80,000 to $120,000 AUD. In-office ceramic milling for same-day crowns

• Roland DWX-52D dental milling machine: $25,000 to $40,000 AUD

• Planmeca PlanMill 40 S: $50,000 to $80,000 AUD

Sterilisation

• Melag Vacuklav Class B autoclave: $8,000 to $18,000 AUD

• W&H Lisa Class B autoclave: $7,000 to $15,000 AUD

• Tuttnauer 2340MK: $5,000 to $10,000 AUD

Dental Laser

• Waterlase iPlus all-tissue laser (Biolase): $60,000 to $90,000 AUD

• Fotona LightWalker dental laser: $40,000 to $70,000 AUD

• DENTSPLY Sirona SIROInspect: $15,000 to $25,000 AUD

Diagnostic Imaging Equipment Finance

Diagnostic imaging is one of the most capital-intensive equipment categories in Australian healthcare. The equipment is complex, highly regulated, and generates income through both bulk-billed and privately billed Medicare items. A radiology practice, specialist clinic or hospital that invests in diagnostic imaging equipment has one of the strongest income-to-capital ratios in healthcare because the MBS item numbers for CT, MRI, ultrasound and plain film services generate significant Medicare revenue that is certain and fast-paying.

Digital Radiography (DR) Plain Film X-Ray

• GE Healthcare Discovery XR656: $80,000 to $150,000 AUD. Floor-mounted DR room

• Siemens Healthineers Ysio Max: $100,000 to $180,000 AUD. Premium DR system with ceiling-mounted tube

• Carestream DRX-Core: $40,000 to $80,000 AUD. Retrofit DR detector for existing rooms

• Konica Minolta Regius Sigma II: $30,000 to $60,000 AUD for computed radiography

• Portable DR systems for GP and allied health: $25,000 to $60,000 AUD

Ultrasound Systems

• GE Healthcare Venue Ultrasound (point-of-care): $20,000 to $40,000 AUD. Widely used in GP clinics, emergency departments and allied health

• Philips EPIQ Elite premium ultrasound: $100,000 to $200,000 AUD. For cardiology and advanced vascular imaging

• Siemens Healthineers ACUSON Sequoia: $150,000 to $300,000 AUD. High-end diagnostic ultrasound

• Mindray DC-70 Doppler ultrasound: $60,000 to $100,000 AUD

• Sonosite PX point-of-care ultrasound: $25,000 to $45,000 AUD

• Portable/handheld ultrasound (Butterfly iQ, Philips Lumify): $3,000 to $8,000 AUD

CT (Computed Tomography)

• Siemens Healthineers SOMATOM go.Now (16-slice, entry): $400,000 to $700,000 AUD

• GE Healthcare Revolution ACT (16-slice): $450,000 to $750,000 AUD

• Canon Medical Aquilion Lightning (80-slice): $700,000 to $1,200,000 AUD

• Siemens Healthineers SOMATOM Drive (128-slice, dual source): $1,200,000 to $2,000,000+ AUD

• CT finance is structured with specialist medical imaging lenders who understand the room shielding, power infrastructure and service contract costs that accompany the scanner purchase

MRI (Magnetic Resonance Imaging)

• Siemens Healthineers MAGNETOM Sola (1.5T): $1,200,000 to $1,800,000 AUD

• GE Healthcare SIGNA Creator (1.5T): $1,000,000 to $1,600,000 AUD

• Philips Ingenia Elition (3T): $2,000,000 to $3,500,000 AUD

• Open/upright MRI systems (Fonar, Esaote): $500,000 to $1,200,000 AUD

• MRI finance requires specialist medical imaging lenders and typically involves site preparation (room shielding, quench pipe, cooling system, access control), service contracts, and in some cases Medicare provider number eligibility assessment

DEXA (Bone Densitometry)

• Hologic Discovery DEXA: $80,000 to $130,000 AUD

• GE Healthcare Lunar iDXA: $75,000 to $120,000 AUD

• Used for osteoporosis screening and body composition assessment in specialist and GP practices

Mammography

• Hologic Selenia Dimensions 3D mammography: $200,000 to $400,000 AUD

• Siemens Healthineers Mammomat Revelation: $180,000 to $350,000 AUD

• Used in screening and diagnostic radiology practices; Medicare item numbers support strong serviceability

Allied Health Equipment Finance

Physiotherapy and Rehabilitation

• Electrotherapy units (TENS, interferential, ultrasound therapy): $3,000 to $15,000 per unit. Chattanooga, BTL, EMS Physio

• Shockwave therapy systems (ESWT): Storz Medical MASTERPULS, BTL-6000 SWT — $25,000 to $60,000 AUD. High-demand treatment for plantar fasciitis, tendinopathy

• Laser therapy and photobiomodulation: BTL-6000 High Intensity Laser, Erchonia FX 635 — $20,000 to $60,000 AUD

• Hydrotherapy pools and underwater treadmills: $30,000 to $150,000 AUD

• Isokinetic dynamometry: Biodex System 4, Humac NORM — $25,000 to $60,000 AUD for muscle strength and rehabilitation assessment

• Clinical Pilates reformers and rehabilitation equipment packages: $5,000 to $30,000 AUD

• Traction tables and motorised treatment tables: Chattanooga, Oakworks — $3,000 to $15,000 AUD

Chiropractic and Osteopathy

• Hi-Lo treatment tables: Lloyd, Oakworks — $3,000 to $10,000 per table

• Activator instruments, drop mechanisms and flexion-distraction tables: $2,000 to $8,000 AUD

• X-ray systems for chiropractic (portable or wall-mounted): $15,000 to $50,000 AUD

• Surface EMG and postural analysis systems: $5,000 to $20,000 AUD

Optometry

• Optical coherence tomography (OCT): Zeiss Cirrus 6000, Heidelberg Spectralis — $50,000 to $120,000 AUD. Essential for macular degeneration and glaucoma monitoring

• Digital retinal cameras: Zeiss Visucam, Optos Daytona — $20,000 to $80,000 AUD

• Tonometers and perimeters: Haag-Streit, Zeiss Humphrey — $8,000 to $30,000 AUD

• Slit lamps: Haag-Streit BQ900, Zeiss — $10,000 to $30,000 AUD

• Automated refraction systems: Zeiss IOLMaster, Topcon maestro2 — $20,000 to $80,000 AUD

• Dispensing and surfacing equipment for optical dispensaries: $10,000 to $60,000 AUD

Psychology and Mental Health Clinics

• Neurofeedback and EEG systems: $10,000 to $40,000 AUD

• Biofeedback equipment: HeartMath, Thought Technology — $5,000 to $20,000 AUD

• Practice fit-out and consulting room furniture: covered on the fit-out loans page

• Transcranial magnetic stimulation (TMS) systems for depression treatment: Magstim Horizon TMS, Brainsway H-System — $80,000 to $180,000 AUD. Growing use in Australian private psychiatric practice

Veterinary Equipment Finance

Veterinary practices share many equipment categories with human medical practices but operate under different regulatory and income frameworks. Veterinary income is entirely privately billed: there is no Medicare or government subsidy. This makes cash flow management more variable than Medicare-funded human healthcare practices. However, the capital investment profile and the equipment categories in veterinary practice are closely parallel to human healthcare, and specialist veterinary equipment lenders are experienced with the sector.

Veterinary Imaging

• Veterinary DR X-ray systems: Carestream DRX-Vet, Sound-Eklin, Cuattro — $30,000 to $80,000 AUD for a complete digital radiography room

• Veterinary ultrasound: GE Healthcare Venue, Mindray DC-30 Vet, SonoScape — $15,000 to $60,000 AUD

• Veterinary CT: small-bore systems for exotic and companion animals — $250,000 to $700,000 AUD. Increasingly common in specialist referral hospitals

• Veterinary MRI: $400,000 to $1,200,000 AUD for specialist practices

• Dental veterinary X-ray: Trophy RVG Vet, Planmeca ProSensor — $5,000 to $15,000 AUD

Veterinary Clinical Equipment

• Anaesthesia machines: Mindray Wato EX-65 Vet, Hallowell EMC — $8,000 to $25,000 AUD

• Monitoring systems: Mindray BeneView, Nonin — $5,000 to $20,000 AUD

• Surgical tables and lighting: $5,000 to $20,000 AUD per table

• Autoclaves and sterilisation: $5,000 to $20,000 AUD

• Biochemistry analysers: IDEXX Catalyst, Heska Element DC5X — $8,000 to $25,000 AUD

• Haematology analysers: IDEXX ProCyte Dx, Abaxis VetScan — $8,000 to $20,000 AUD

• Endoscopy: $10,000 to $60,000 AUD for flexible and rigid endoscopy systems

• Physiotherapy rehabilitation equipment for sports animal practices: $10,000 to $50,000 AUD

Veterinary Practice Finance Considerations

Veterinary practices are entirely privately billed and their income is more variable than Medicare-funded practices. Lenders assess veterinary practice finance on the same criteria as other SME businesses: trading history, bank statement income, and asset value. A well-established veterinary practice with 3 to 5 years of trading history in a growing suburban or regional market is a strong lending proposition. Specialist veterinary lenders understand the seasonal income patterns (spring and summer pet activity peaks, winter quieter periods), the competitive dynamics of the sector and the capital-intensive nature of imaging technology investment.

Aesthetic and Cosmetic Clinic Equipment Finance

Aesthetic and cosmetic clinics — dermal clinics, medical aesthetics practices, skin clinics and medi-spas operated by medical professionals — invest significantly in light-based, energy-based and injectables-related capital equipment. This section addresses the capital equipment investment (lasers, IPL, HIFU, body contouring). The personal finance aspect of cosmetic procedures for patients is addressed on the cosmetic and medical loans page.

Laser and Light-Based Aesthetic Devices

• Cutera enlighten III picosecond laser (tattoo removal, skin rejuvenation): $80,000 to $130,000 AUD

• Candela GentleMax Pro Plus (hair removal, vascular, pigmented lesions): $60,000 to $100,000 AUD

• Lumenis LightSheer DUET diode laser (hair removal): $50,000 to $90,000 AUD

• Syneron Candela CO2RE fractional CO2 laser (resurfacing): $50,000 to $90,000 AUD

• Lutronic Ultra broadband light (skin rejuvenation): $40,000 to $80,000 AUD

• Palomar Icon IPL and fractional laser system: $60,000 to $110,000 AUD

• Fotona SP Dynamis (multi-application laser): $80,000 to $150,000 AUD

Body Contouring and Skin Tightening

• Allergan CoolSculpting Elite (cryolipolysis): $60,000 to $100,000 AUD for the device; consumable applicators are an ongoing cost

• BTL Emsculpt Neo (HIFEM + radiofrequency): $80,000 to $130,000 AUD

• InMode Morpheus8 (fractional RF microneedling): $60,000 to $100,000 AUD

• Ultherapy (HIFU skin tightening, Merz): $50,000 to $90,000 AUD

• Teosyal RHA technology platforms and filler storage equipment

Regulatory Note for Aesthetic Equipment

Aesthetic and cosmetic laser and energy-based devices used on patients in Australia must be listed on the ARTG as medical devices if they make therapeutic claims. The regulatory status of specific aesthetic devices varies: some are Class IIb or Class III medical devices registered with TGA; others are cosmetic-grade devices that are not medical devices. The distinction matters for finance because lenders financing devices used in clinical settings may verify ARTG registration as part of their assessment. We advise on the regulatory status of specific aesthetic devices as part of the finance application process.

Laboratory and Pathology Equipment Finance

Point-of-Care and In-Practice Laboratory

• IDEXX Catalyst Dx chemistry analyser: $8,000 to $20,000 AUD. Used in GP and specialist clinics for in-house blood chemistry

• Roche cobas c 111 portable analyser: $15,000 to $30,000 AUD

• Sysmex XN-350 haematology analyser: $20,000 to $40,000 AUD

• i-STAT portable clinical analyser (Abbott): $5,000 to $12,000 AUD

• HbA1c analysers: Roche cobas b 101, Tosoh G8 — $8,000 to $20,000 AUD

• Spirometry and pulmonary function testing: $3,000 to $15,000 AUD

• Holter monitor and ECG systems: $3,000 to $20,000 AUD

Research and Reference Laboratory Equipment

• PCR thermal cyclers (molecular diagnostics): Roche LightCycler, Bio-Rad CFX — $10,000 to $50,000 AUD

• Flow cytometers: Beckman Coulter CytoFLEX, BD FACSLyric — $80,000 to $250,000 AUD

• ELISA microplate readers: Molecular Devices SpectraMax — $8,000 to $25,000 AUD

• Centrifuges: Eppendorf, Beckman Coulter — $3,000 to $30,000 AUD

• Biosafety cabinets and laboratory infrastructure: $5,000 to $30,000 AUD

Finance Structures for Medical Equipment

Chattel Mortgage

The optimal structure for GST-registered healthcare practices purchasing capital medical equipment. The practice owns the equipment from settlement. Full GST claimable on the next BAS: on a $100,000 CBCT scanner, that is $9,091 back in the quarter of purchase. Interest deductible annually. Depreciation claimed over ATO effective life. The ATO effective life for medical diagnostic equipment is typically 10 to 13 years for imaging systems; for dental chairs and treatment units, 10 to 15 years; for smaller clinical equipment, 5 to 10 years. For eligible businesses and eligible assets under $20,000, the instant asset write-off may apply. Always confirm with your accountant.

Finance Lease

Preferred by practices that upgrade their imaging technology on a defined cycle as new generations of scanners provide improved diagnostic capability, lower radiation dose or enhanced workflow integration. A 5-year finance lease on a CBCT unit allows the practice to move to the next generation platform at term end without residual value exposure. Fully deductible lease payments. Common in radiology and specialist practices where technology evolution is rapid.

Operating Lease (Including Managed Equipment Services)

Some major medical equipment manufacturers including GE Healthcare, Philips and Siemens Healthineers offer managed service arrangements that combine the equipment with a service and maintenance contract in a single monthly payment. These are effectively operating leases with service included. They are popular with hospital and imaging centre customers but less common in private practice. Standard operating leases for medical equipment are available through specialist equipment lessors.

Low-Doc Medical Practice Loan

For established healthcare practices that cannot easily produce formal financial statements, a low-doc facility assessed on Medicare payment summaries, EFTPOS settlement reports, bank statements and BAS returns is available through specialist healthcare lenders on our panel. Medicare payment summaries are a particularly strong income verification tool because they are issued by Medicare Australia and represent verified, direct-deposited income. A general practice with 2 to 3 years of Medicare payment history is a highly fundable low-doc applicant.

Practice Purchase and Goodwill Finance

Buying an existing medical or dental practice involves financing physical assets (equipment, fitout) and goodwill. Specialist healthcare practice lenders assess goodwill in medical and dental practice purchases differently from general business lenders because healthcare practices have predictable, recurring patient-based income and the goodwill is supported by patient databases, established referral networks and Medicare provider numbers. A dental practice with a loyal patient base, established billing patterns and a transferable patient management system is a more fundable goodwill purchase than a general retail business of similar size. We structure medical and dental practice acquisition finance across the physical assets and goodwill components.

Medical Equipment Loan Details

Loan Amounts

Equipment finance from $5,000 for individual clinical instruments and small diagnostic devices to $3,000,000 and above for CT and MRI system installations including room preparation and infrastructure. The most common medical equipment loan amounts range from $30,000 to $500,000 for dental practices, allied health clinics and GP clinics. Radiology and specialist imaging practices regularly finance $500,000 to $2,000,000 in imaging equipment.

Loan Terms

Medical equipment chattel mortgage: 2 to 7 years for most clinical equipment. CT and MRI systems given their 10 to 15-year productive lives and high value may support loan terms of 7 to 10 years from specialist medical imaging lenders. Dental chairs and chairs units: 5 to 7 years. CBCT and OPG: 5 to 7 years. Smaller clinical equipment: 3 to 5 years.

Interest Rates

Equipment chattel mortgage for established medical practices with AHPRA-registered practitioners and Medicare income: from approximately 7.50% to 11% per annum from specialist healthcare lenders. This is among the most favourable rate ranges in the equipment finance market, reflecting the income reliability and low default risk of established healthcare practices. New practice or early-stage applications: 9% to 14% per annum. Large imaging system finance ($500,000+): assessed on a specialist basis with rates from approximately 7% to 10% per annum.

Approval Speed

Standard medical equipment finance under $200,000 for established practices with AHPRA registration and Medicare income history: 24 to 48 hours for conditional approval. Low-doc applications using Medicare payment summaries: 24 to 72 hours. Large imaging system applications above $300,000: 3 to 7 business days. Practice acquisition finance: 5 to 15 business days.

Frequently Asked Questions About Medical Equipment Loans in Australia

What medical equipment can I finance in Australia?

All categories of clinical and medical equipment are financed including dental chairs (A-dec, Planmeca, KaVo), OPG and CBCT scanners (Planmeca, Carestream, Vatech), intraoral scanners (3Shape TRIOS, Medit i700), DR X-ray (GE Healthcare, Siemens, Carestream), ultrasound (GE Venue, Philips, Mindray), CT scanners, MRI systems, physiotherapy and rehabilitation equipment, optometry instruments (OCT, fundus cameras), veterinary imaging and clinical equipment, aesthetic laser and energy-based devices, and laboratory and pathology analysers. We finance individual items from $5,000 and complete imaging suite installations to $3,000,000+.

How does Medicare income affect my medical equipment loan application?

Medicare income is one of the strongest income bases for medical equipment loan applications in Australia. Medicare pays within 2 to 3 business days of a valid claim. The payer is the Commonwealth of Australia with zero default risk. A practice billing $300,000 per year in Medicare has highly predictable, verifiable income that specialist healthcare lenders weight more favourably than equivalent cash or EFTPOS revenue. Medicare payment summaries (obtainable from Services Australia) are the primary income verification tool for many low-doc medical practice applications. A practice with a consistent 2 to 3-year Medicare billing history is among the most fundable borrowers in the SME equipment finance market.

Can I finance a CBCT scanner for my dental practice?

Yes. Dental CBCT scanners from Planmeca (ProMax 3D Max), Carestream (CS 9600), Vatech, KaVo and Dentsply Sirona are financed as major capital assets. A CBCT unit costs $55,000 to $120,000 AUD. The full GST is claimable on the first BAS. A 5 to 7-year chattel mortgage is the typical structure. The implant planning, surgical guide production and orthodontic assessment income that a CBCT enables from day one provides immediate loan serviceability. We have specific experience with dental imaging system finance including combined OPG/CBCT units.

Can I finance dental chairs and a full operatory setup?

Yes. Dental chair units from A-dec ($22,000 to $38,000), Planmeca ($30,000 to $45,000), KaVo ($35,000 to $50,000) and Belmont are financed as capital equipment. A 4-operatory practice fit with premium chairs costs $112,000 to $180,000 in chair units alone. Adding OPG, sterilisation, intraoral sensors and software, a complete 4-chair practice equipment package totals $200,000 to $400,000. We finance individual chairs and complete practice equipment packages in a single facility.

Can I finance veterinary equipment?

Yes. All categories of veterinary clinical equipment are financed through specialist lenders including veterinary DR X-ray, ultrasound, CT, MRI, anaesthesia machines, monitoring systems, haematology and biochemistry analysers, and endoscopy. Veterinary practices are entirely privately billed without Medicare subsidy, and are assessed on their trading history, bank statements and asset value. Established veterinary practices with 2 to 3 years of trading history and consistent billing are well-serviced by specialist veterinary equipment lenders on our panel.

Can I finance aesthetic laser equipment for my clinic?

Yes. Aesthetic and cosmetic laser and energy-based devices including picosecond lasers (Cutera enlighten III), diode hair removal (Candela GentleMax Pro Plus, Lumenis LightSheer), fractional CO2 (Syneron CO2RE), HIFU (Ultherapy), cryolipolysis (CoolSculpting Elite) and radiofrequency body contouring (BTL Emsculpt Neo, InMode Morpheus8) are financed as capital equipment. Devices used in clinical settings that are registered as TGA medical devices are assessed by specialist healthcare lenders. The high per-treatment revenue of aesthetic laser services supports strong loan serviceability.

Can I get medical equipment finance as a new practice?

Yes. New medical and dental practice equipment finance is available from specialist healthcare lenders. Day-1 applications are strongest where the practitioner holds current AHPRA registration in the relevant profession, a signed commercial lease is in place, a supplier quote confirms the equipment costs, personal credit is clean, and a deposit of 20% to 30% is available for larger purchases. For new practices with no trading history, Medicare-enrolled practitioners opening their first practice in an area of need have very strong applications because Medicare enrolment confirms the practitioner's regulatory standing and the income source.

How does TGA registration affect my medical equipment loan?

Medical devices supplied and used in Australia must be listed on the ARTG. Specialist healthcare lenders verify ARTG registration as part of their equipment assessment for regulated medical devices. An unregistered device cannot be legally supplied in Australia, making it unsuitable as loan security. For dental equipment, imaging systems, physiotherapy devices and aesthetic lasers, ARTG registration is standard for all reputable manufacturers and dealers. For imported or grey-market devices not in the ARTG, finance may be unavailable. We confirm ARTG status for every medical equipment application.

What documents do I need for a medical equipment loan?

For an established practice application under $200,000: ABN, AHPRA registration certificate, director's licence, 3 to 6 months of practice bank statements, and a supplier quote confirming the specific equipment. For Medicare-funded practices: Medicare payment summaries (obtained from Services Australia) as supplementary income evidence. For large imaging system applications above $300,000: the above plus 2 years of practice financial statements and tax returns. For new practice applications: ABN, AHPRA registration, signed lease, supplier quote, and personal credit details. We advise on exactly what is required for your specific practice type and equipment.

Can I bundle fitout costs with my medical equipment finance?

Yes. For a new dental or medical practice, the fitout construction costs and the clinical equipment can often be bundled in a single or coordinated finance package. The clinical equipment is financed under a chattel mortgage or lease (with GST claimable on the equipment portion). The fitout construction works are funded by an unsecured business loan aligned to the lease term. We coordinate both components simultaneously so the fitout and equipment finance settle together, allowing the practice to open at the same time as both facilities are settled. Full detail on fitout finance is on our fit-out loans page.

Can I finance a CT or MRI scanner as a private practice?

Yes. Private radiology practices, specialist imaging centres and hospital-affiliated private practices finance CT and MRI systems through specialist medical imaging lenders. A 16-slice CT system installation including shielding and infrastructure costs $600,000 to $1,000,000. A 1.5T MRI system with room preparation costs $1,500,000 to $2,500,000. These applications involve specialist lenders with dedicated medical imaging teams who understand the Medicare item numbers, referral network economics, and room infrastructure requirements. Approval involves detailed financial assessment and typically takes 2 to 4 weeks for large imaging system transactions.

What is the typical interest rate for medical equipment finance?

Established medical and dental practices with AHPRA registration, Medicare billing history and clean credit typically access the most favourable rates in the equipment finance market: from approximately 7.50% to 11% per annum for chattel mortgages from specialist healthcare lenders. This reflects the low default risk of AHPRA-registered practitioners with Medicare income. New practice applications and those without property security sit at the higher end of this range. Large imaging system finance ($500,000+) is assessed on a specialist basis and may achieve rates from approximately 7% to 10% per annum with the right lender.

Can I finance a practice management software system?

Practice management software including Dental4Windows, Exact, Pracsoft, Best Practice and clinical information systems can in many cases be financed alongside clinical hardware in a bundled equipment facility where the lender accepts software as a financed item. Not all lenders accept software: we identify which lenders are most accommodating for software-inclusive medical practice facilities. Annual subscription clinical software is an operating expense; perpetual licence software may be financed as a capital asset.

Can a sole practitioner physiotherapist or chiropractor get medical equipment finance?

Yes. Sole practitioner allied health operators — physiotherapists, chiropractors, osteopaths, occupational therapists and exercise physiologists — are among the most regular applicants for medical equipment finance on our panel. The combination of AHPRA registration, consistent private billing and in many cases Medicare-funded items (chronic disease management plans, mental health treatment plans, hospital in-home programs) provides a strong income basis. Equipment amounts of $10,000 to $100,000 for treatment tables, electrotherapy, shockwave therapy, laser therapy and rehabilitation equipment are financed within 24 to 48 hours for established sole practitioners.

Why Choose Australian Finance & Loans for Your Medical Equipment Finance

• Independent broker: we compare 50+ lenders including specialist healthcare, dental, veterinary and imaging equipment financiers

• TGA awareness: we confirm ARTG registration for every medical device application and advise on regulatory status of grey-market or imported equipment

• Medicare income expertise: we document and present Medicare payment summaries as primary income evidence for healthcare practice applications

• AHPRA registration: we understand the professional registration framework and confirm registration status as part of every medical practice application

• All clinical sectors: dental, general practice, specialist medical, radiology and imaging, allied health, optometry, psychology, veterinary, aesthetic clinics, pathology

• All equipment categories: dental chairs, CBCT, OPG, intraoral scanners, DR X-ray, CT, MRI, ultrasound, physiotherapy equipment, laser and aesthetic devices, veterinary imaging

• New practice support: specialist healthcare lenders for AHPRA-registered new practice openings

• Practice acquisition: goodwill and asset finance for dental and medical practice purchases

• Bundled facilities: clinical equipment and fitout construction coordinated simultaneously

• Fast: 24 to 48 hours for most medical equipment applications under $200,000 for established practices