SMSF commercial loans for medical professionalspractice finance, handled end to end
SMSF commercial loans in Australia: typically $200k to $5m at 65–75%, over 15–30 years, settling in 28–56 days once security and entity documents are in hand. Limited-recourse borrowing that lets a self-managed super fund buy business real property, often the premises the members' business trades from.
- Concierge-style process throughoutWhat we bring
- Practice purchase experienceWhat we bring
- Fast, direct communicationWhat we bring
Indicative terms in three minutes
Business-purpose and investment finance only. No credit check at this stage.
“I'll just go through my usual bank”
We hear this constantly. The honest answer is that it depends on security, exit and documentation — which is exactly what the enquiry form asks — and that the lenders on our panel — banks, private lenders and specialist funds alike — price those three things, not the label on the borrower.
“Is this worth it for my situation” — a fair concern, and one we address in writing before any application is lodged.
“I don't have time for a long process” — a fair concern, and one we address in writing before any application is lodged.
Typical pain points: No time to chase multiple lenders; Practice purchase moving faster than finance; Equipment costs adding up quickly; Want premises owned, not rented. What we bring: concierge-style process throughout, practice purchase experience, fast, direct communication.
How we work.
From the first call to the final drawdown, each step is led by a principal — not a queue.
Tell us the scenario
Purpose, amount, security and timeframe — the qualifier takes about three minutes and every answer maps to how our lender panel assesses smsf commercial loans.
Indicative terms
A specialist reviews the scenario and comes back with an indicative structure, pricing range and the documents needed. Urgent scenarios get a call within minutes during business hours.
Credit and valuation
The lender assesses security, entity and exit. For smsf commercial loans this is typically 28–56 days end to end.
Settlement
Solicitors settle, funds are released, and the deal is tracked to its exit in our CRM so refinancing or the next facility is ready before the term ends.
Questions we are asked.
Can I finance buying an existing medical practice?
Yes, this is one of the more established uses for commercial finance in this category, typically combining a commercial property loan for the premises with a separate facility for goodwill or equipment. Lenders view established practices favourably given the income they generate.
Can I use my SMSF to buy my own practice premises?
Often, yes, through an SMSF commercial property loan, provided the property is business real property and any lease back to your own practice is on arm's-length commercial terms. ⚠ Your SMSF adviser needs to confirm the fund's eligibility before we place the loan.
How quickly can equipment finance be arranged for a practice?
Often within days once the equipment, supplier and price are confirmed, since the asset itself provides the lender's security. This is typically the fastest facility type available to medical professionals, ahead of a property purchase or larger fit-out loan. Getting quotes from your preferred supplier early keeps the whole process moving.
Will my time-poor schedule make the process harder?
No — we run the process end to end, coordinating with lenders, your accountant and your lawyer, and keeping communication direct and concise, so it fits around a clinical schedule rather than requiring you to chase paperwork or updates yourself between patients.
Do lenders treat medical professionals differently from other small businesses?
Some lenders offer more favourable terms to medical and allied health professionals, reflecting the income stability and lower default rates typically seen in the sector, though this varies by lender and isn't universal across the panel. It's worth asking about specifically rather than assuming a generic small-business rate applies.
Can a business line of credit smooth out cash flow between insurer or Medicare payments?
Yes, a line of credit is commonly used in medical practices to cover the gap between delivering a service and receiving payment from a fund or Medicare, drawn and repaid as that cycle requires rather than as a fixed monthly repayment.
How fast can smsf commercial loans settle?
Typically 28–56 days from a complete application, depending on valuation, legal and lender workload. Speed depends on how quickly security and entity documents are available.
How much can I borrow with smsf commercial loans?
Our panel typically funds from $200,000 to $5,000,000, at 65–75%. Larger or more complex facilities are structured case by case across banks, private lenders and specialist funds.
What security is needed?
The property, held by a bare trust. The stronger and more liquid the security, the sharper the pricing.
Is this a consumer loan?
No. Solara arranges business-purpose and investment-purpose finance only. If your purpose is personal or for owner-occupied housing, this product is not suitable and we will say so.
Related finance.
Not quite the right product? Every loan type we arrange.
Most scenarios can be structured more than one way. Browse the alternatives, or tell us the situation and we'll recommend the structure.