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On call for you
Code Black Finance is the perfect choice for Doctors looking for specialised finance services. Our experienced team is highly knowledgeable in the medical industry and understand the unique complexities of setting up and managing a practice. We “speak your language” and excel at finding solutions tailored to your individual needs. With so many lending options to consider and so little time on your hands – we navigate the lenders on your behalf and present the best options to move forward.
Equipment Finance
Looking to purchase equipment to expand or maintain your patient services? Some doctors and specialists require significant capital equipment to run their practice successfully – Examples of Equipment we finance are: CT, MRI, Laser equipment (Ophthalmic, Dermatology), Mammogram, Ultrasound, Patient beds. Flexible repayment options are available to suit your cash flow.
Vehicle Finance
Our straightforward process makes financing your vehicle a breeze, with flexible repayment options to suit your budget and lifestyle. Get behind the wheel of the car you’ve always wanted
Commercial Property
Owning your own practice consulting rooms sounds great right? Purchasing your current practice rooms or the perfect site to relocate can be a challenge with so much to consider – the finance process should be the least of your worries. Securing your ideal clinic location for the future with flexible long term repayment options can be very reassuring. Doctors and specialists have the ability to borrow 100% of the purchase price without any additional security required in many cases. We work closely alongside your Accountant to ensure the correct wealth creation strategy is in place and borrowing structure is right for you (Trust / Company / SMSF).
Practice Fit out
Want to create the perfect environment for your staff and patients? Finance packages can be tailored to help you with the costs of relocation, expansion, and refitting of new practice rooms (Leased or owned property). With competitive rates and flexible repayment terms, our Fit Out Finance is the perfect way to help you make your dream practice rooms a reality. Different lenders have vastly different products and we can assist in securing the best option for you.
Construction Loans
It can be difficult to find the exact property to suit your requirements, why not purpose build your own rooms or surgery? Certainly a popular choice when you outgrow your current rooms and require a larger bespoke setting with room for sub tenants and ancillary services. The ability to fund up to 100% of the construction costs remains and generally we would combine the funding with an asset finance fit out, as there is in most cases a genuine separation of “construction” and “fit out”. We have successfully completed numerous projects over the last decade and the guidance we can provide you is priceless.
Cashflow
Running a business can be difficult and managing cashflow is important. There are great options available using the business as collateral.
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To cover unexpected expenses/costs
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Pre pay some business expenses (possibly prior to EOFY or to obtain favourable terms from a supplier)
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Repay Directors Loans from the balance sheet (these represent historical capital contributions to the business from directors needing to be paid back)
Goodwill
Considering buying an existing practice with established cashflows? Our practice finance solutions are tailored to your needs, generally require no property security and offer flexible repayment terms. Taking over a practice can be daunting and partnering with the right financier allows you to focus on the transition into your new business – leave the finance up to us!
Self-managed Super Fund
Are you looking to acquire your Practice premises or potentially another investment property? Purchasing within an SMSF structure might be an option for you – provided it aligns with your retirement investment strategy and business goals. You should seek professional advice from your financial advisory team, and the support of an experienced finance partner like Code Black would also be a critical part of your due diligence. With competitive rates, flexible terms, and personalized guidance, we help you maximize your SMSF's potential while ensuring compliance with regulatory requirements. Although SMSF lending is a niche area, many options exist, and proper financial support is crucial.
Home and Investment
At Code Black, we recognise and appreciate the unique journey doctors take on their pathway to a professional working life. Whether public or private, salary or self-employed, HMO or Registrar, Business owner or subcontractor - Everyone is at a different life stage, and a bespoke finance service from a broking firm such as ours is essential. With our personalised approach, we can help you navigate the lending marketplace because no single bank policy is the same. Code Black is available day and night, as we recognize that while shift work can be exhausting, seeking finance shouldn't be. With as little as a 5% deposit, you can be well on the way to securing your new home sooner than you think.