Smiling male vet holding dog over his shoulder

Overdraft Facilities

Keep your cash flow healthy and your practice running smoothly.
Contact us

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.

Contact us

Our overdraft facility features.

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

Check icon

$1 borrowed = 1 Qantas Point*

Check icon

Ability to lower your interest bill, fees and charges

Check icon

Access to money when you need it

Check icon

Lower interest rates than a traditional overdraft

Check icon

No need to use your home as security

Apply now

*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
Google G logo
★ ★ ★ ★ ★
5 star rating on Google
We have a 5 star average on Google with over 289 happy clients.

More questions?

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

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.

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.
See more questions

Latest articles.

Find out what's trending on the Credabl blog.

Man with laptop doing his taxes

High income doesn’t always mean clarity: Why EOFY can feel harder than it should

EOFY can feel surprisingly unclear, even when income is strong.

Medical Tips Dental Veterinary Finance Practice Loans
18 May 2026
Woman on laptop doing her taxes

EOFY is not a deadline. It’s a checkpoint: why the best financial decisions are rarely rushed

EOFY has a reputation for urgency.

Medical Tips Dental Veterinary Finance Practice Loans
15 May 2026

Are your EOFY decisions setting you up for what comes next?

EOFY often drives quick decisions, focused on immediate outcomes like tax. But those choices can shape your cashflow, flexibility and future opportunities. Taking a step back now...

Medical Tips Dental Veterinary Finance Practice Loans
04 May 2026
See more articles
×

Home Loan Information

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

Please contact Bendigo Bank on 1300 652 220 for assistance.

Back to Credabl