General medical equipment loans
PTR Medical Finance
Our Divisions
Medical Finance Perth
PTR Medical Finance is a division of PTR Finance Group built for healthcare professionals establishing a new practice or upgrading an existing one. From high-value diagnostic equipment to a full practice fit-out, our specialist medical finance brokers arrange fast, tailored funding so you can invest in patient care without draining your capital.
Medical Equipment | Fit-Outs | Dental | Imaging | Surgical | Ophthalmology | Practice IT
Medical and dental equipment is a significant investment, and the finance behind it should protect your cash flow rather than strain it. Because we compare a panel of lenders, we can find structures with options to suit your practice's cash flow — and for many purchases we can pre-approve you within hours, so you can move quickly when the right equipment becomes available.
The process is simple: have a quick chat with our broker, provide a few details, and we handle the arrangements while you get on with sourcing your equipment. With competitive rates, fast approvals and genuine customer service, we make funding your practice one less thing to worry about.
We arrange finance across the full range of medical and practice needs, including:
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Practice fit-outs
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Dental equipment
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Imaging & diagnostic equipment
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Surgical equipment
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Ophthalmology equipment
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Practice vehicles, IT & software
Buying or fitting out practice premises? Our property finance division can help, while vehicle finance covers practice cars and asset finance handles general equipment. To smooth cash flow between billings, see cash flow lending. Ready to invest in your practice? Request a quote today.
Frequently Asked Questions
What can I fund with medical finance?
Almost anything your practice needs — general medical and surgical equipment, dental and imaging equipment, ophthalmology gear, practice fit-outs, vehicles, and IT hardware and practice software. If it helps you deliver care, there is usually a finance option for it.
Can you finance a full practice fit-out?
Yes. A practice fit-out — from consulting rooms and reception to equipment and technology — can often be funded under a single facility, so a whole build-out is covered by one manageable arrangement rather than several separate loans.
How quickly can medical finance be approved?
For many purchases we can pre-approve you within hours once we have your details, with settlement soon after. Larger or more complex deals take a little longer, and we will give you a realistic timeframe up front so you can plan your purchase.
Is medical equipment finance suitable for a new practice or recent graduate?
Yes. We work with lenders who understand healthcare professionals and the strong earning potential of the sector, including those starting out. Options are available for new practices and newer ABNs, often relying on the equipment as security.
Is medical equipment finance tax-deductible?
Generally the interest and depreciation on equipment used in your practice are tax-deductible, and the treatment depends on the finance structure you choose, such as a chattel mortgage or lease. We will explain the options and recommend you confirm the detail with your accountant.
What finance structures are available for medical equipment?
The common structures are a chattel mortgage, a finance lease and rent-to-own, each with different tax, GST and cash-flow effects. We will talk through which suits your practice and set the term and any balloon to keep repayments comfortable.
