Our client

Mai-Lee has operated a group of medical clinics across Sydney for over eight years, delivering family medicine and allied health services through a team of more than 30 healthcare professionals. After successfully establishing three clinic locations, she identified a prime opportunity to expand to a fourth site in a high-growth suburb.

The challenge

The property was priced at $2.85 million. With three existing commercial mortgages already in place and a substantial fitout required before the new clinic could open, we new that mainstream banks had declined to proceed — citing her complex financial structure as the primary obstacle. Mai-Lee needed a lender who understood the cash flow characteristics of healthcare businesses and was willing to look beyond the standard serviceability template.

The result

We structured a commercial property loan at 70% LVR, allowing Mai-Lee to secure the property while preserving working capital for the clinical fitout. By matching the deal to a specialist lender with genuine experience in healthcare property, the loan we secured included a 12-month interest-only period during the fitout phase — giving the new clinic time to reach operating capacity before full repayments commenced. Settlement was completed within 45 days of initial enquiry.

“I’d been knocked back by two banks before I spoke to Nadine. She understood exactly how our clinic model works and found a lender who did too. We were settled and starting the fitout within six weeks.”
— Mai-Lee, Medical Centre Owner, Sydney NSW