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A Vet's Best Friend
Code Black Finance is the perfect choice for veterinarians seeking specialised financial services. Our experienced team is well-versed in the veterinary industry and understands the unique complexities of establishing and managing a practice. We are familiar with your needs and excel at finding solutions tailored to your individual circumstances. Just as understanding animals can be complex, so can navigating the world of finance. With numerous lending options and limited time on your hands, we'll be able to navigate the market on your behalf to present the most suitable options.
Equipment Finance
Are you looking to purchase or upgrade practice equipment to expand your services? We understand that investing in revenue-generating equipment is crucial for your veterinary practice's growth and success. Our veterinary finance packages are tailored to fit your needs and cash flow, so you can deliver exceptional care to your four-legged patients without interruption.
Vehicle Finance
Our straightforward process makes financing your vehicle a breeze, with flexible repayment options to suit your budget and lifestyle. Get the car you’ve always wanted
Commercial Property
Owning your own practice surgery is closer than you think.. Acquiring your current building or the perfect site to relocate can be a challenge with so much to consider – we ensure your finance process is the least of your worries. Securing your ideal clinic location for the future with flexible long-term repayment options can be very reassuring. Vets have the ability to borrow 100% of the purchase price without any additional security required in many cases. We work closely with your Accountant to ensure the correct wealth creation strategy and borrowing structure is right for you (Trust / Company / SMSF).
Practice Fit out
Want to create the perfect environment for your new or existing surgery? Finance packages can be tailored to help you with relocation costs, expansion, and refitting of new dental practice rooms. With competitive rates and flexible repayment terms, our Fit Out Finance is the perfect way to help you make your dream surgery a reality.
Construction Loans
Finding the exact property for consulting, surgery and boarding can be difficult. So why not purpose-build your own clinic? Certainly, a popular choice when you outgrow your current surgery and require a larger bespoke setting. 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 a decade working with dentists, and the knowledge we can provide you is priceless
Cashflow
Running a business can be difficult and managing cashflow is important. At times the practice could require a capital injection to cover or pre pay some one-off business expenses in certain scenarios. In some cases practice owners inject their own personal capital into the business (directors loans outstanding) when the time is right, to use the business as collateral those directors loans can be repaid
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 Vet Practice premises or 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 whilst joining forces with an experienced finance partner like Code Black. 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 very niche, there are many different options to consider, and the proper financial support is critical.
Home and Investment
We recognise the unique financial needs of veterinarians and offer specialised home and investment lending solutions tailored to your profession. Our expert team, who deeply understands the demands of your career, provides flexible and highly competitive financing options to suit your lifestyle and financial goals. With our personalized approach, we help you navigate the lending marketplace because no single bank policy is the same. Leaving you time to care for our fluffy friends.