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Overdraft Facilities

Keep your cash flow healthy and your practice running smoothly.
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Find your cash flow buffer.

Everyday cash flow, made simple.

Running a busy medical, dental or veterinary practice comes with constant expenses — from payroll and supplies to the unexpected. A Credabl Overdraft Facility gives you flexible access to working capital when you need it, helping you keep your cash flow healthy and your practice running smoothly.

Choose a secured or unsecured option designed specifically for healthcare professionals, with fast approvals, competitive rates and real support of finance experts who understand your world.

Access funds when you need them — so you can focus on your patients.

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Our overdraft facility features.

Better medical finance can make a big difference to your practice.

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$1 borrowed = 1 Qantas Point*

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Ability to lower your interest bill, fees and charges

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Access to money when you need it

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Lower interest rates than a traditional overdraft

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No need to use your home as security

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*T&Cs apply. Find out more here.

Need an explainer?

These short videos answer common questions about overdraft facilities and explain how they work for managing day-to-day cash flow. 

What is a business overdraft and how does it work for medical practices Play button

What is a business overdraft and how does it work for medical practices?

Good debt vs bad debt what doctors, dentists and vets need to know Play button

Good debt vs bad debt: what doctors, dentists and vets need to know

"5 star service with quick and hassle free finance. Highly recommended."

★ ★ ★ ★ ★
Dr Dipen Shah

"Exceptional staff and super easy process. I cannot recommend highly enough."

★ ★ ★ ★ ★
Dr Ngaire Brown

"The level of communication was much better than a lot of the bigger finance companies, big 4 included."

★ ★ ★ ★ ★
Dr Dennis Teh

"5 star service with quick and hassle free finance. Highly recommended."

★ ★ ★ ★ ★
Dr Dipen Shah

"Exceptional staff and super easy process. I cannot recommend highly enough."

★ ★ ★ ★ ★
Dr Ngaire Brown
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★ ★ ★ ★ ★
5 star rating on Google
We have a 5 star average rating on Google with over 431 happy clients.

More questions?

Here's a few frequently asked questions to get to know us better.

Yes, eligible doctors, dentists, and vets can access up to 100% finance with Credabl's Practice Build Loan. This includes commercial property, construction, and fitout funding.
A medical construction loan funds the building of a new practice from scratch, while a practice purchase loan helps you buy an existing clinic. Construction loans include staged payments and may involve facilities for builder payments.

The cost to build a medical or dental practice typically ranges from $3,000 to $8,000 per square metre depending on your desired fitout and compliance level:

  • Entry-level: ~$3,000/sqm
  • Mid-tier: ~$5,000/sqm
  • Premium: ~$8,000/sqm
Yes, you can include energy-efficient upgrades like triple glazing, solar panels, and battery systems. These may qualify for Credabl's Green Loan incentive if included in your design phase.
Agencies with their market knowledge and extensive networks can provide valuable assistance in the search for medical practices for sale in Victoria. They can offer insights into potential practices that align with your budget and specific requirements, taking into account various factors like the location, size and specialty of the practice. Additionally, they can facilitate negotiations, ensuring that all legal and regulatory requirements are met seamlessly. Their knowledge and connections can make the complex process of purchasing a medical practice much more manageable. Alongside their services, we at Credabl can provide substantial financial support. Our bespoke loans, designed with medical professionals in mind, simplify the financing aspect of the purchase process. With the combined efforts of an experienced agency and our tailored financing solutions, you can navigate the path to owning a medical practice in Victoria with confidence.

A Practice Build Loan is a type of medical construction loan designed specifically for healthcare professionals to fund the building of a new practice premises or an extension to the existing premises. It covers the full journey — commercial property purchase, construction and fitout.

See more questions

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Home Loan Information

Access to your Home Loan is now direct via Bendigo Bank.

Please contact Bendigo Bank on 1300 652 220 for assistance.

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