Starting a radiology clinic is one of the most capital-intensive ventures in healthcare. Before a single patient is scanned, a practice needs imaging equipment, software licensing, lead-lined room fit-out, radiation shielding compliance, staff, and enough working capital to survive the months between go-live and sustainable revenue. Most generalist lenders cannot assess this combination — they understand property or vehicles, not the economics of a CT throughput model or a PACS storage growth curve.
Our New Clinic Startup Finance is built specifically for this moment. We provide a single facility that covers equipment purchase, software licensing, room fit-out, working capital, staff training, and launch marketing — structured with an interest-only ramp-up period so your repayments stay low during the first six months while you build patient volume and referral networks. Because we are also a radiology software company, we can coordinate equipment vendors, software deployment, and finance simultaneously, removing the coordination burden that stalls so many clinic openings.
Equipment, software, fit-out, and operating capital consolidated into a single finance package with one set of terms.
Lower repayments for the first six months while your practice builds patient volume and referral relationships.
We liaise with equipment suppliers, software vendors, and fit-out contractors so finance is never the bottleneck.
Our credit assessment is informed by real radiology throughput models, not generic small-business templates.
A new radiology clinic has six major cost categories before it opens its doors. Our startup finance facility covers all of them, so you are not juggling separate loans, vendor payment plans, and personal capital injections across the build phase.
Imaging modalities — CT, MRI, X-ray, ultrasound, mammography — plus reading workstations, medical-grade monitors, and ancillary hardware required for clinical operation.
PACS, RIS, DICOM viewer, reporting tools, and mobile reading application licences — including initial setup, configuration, and the first year of subscription where applicable.
Lead-lined room construction, radiation shielding, electrical and data infrastructure, climate control, and the physical build-out of scanning rooms and reading areas.
Operating runway to cover radiologist salaries, radiographer wages, reception staff, rent, utilities, and consumables during the period between opening and reaching break-even volume.
Radiographer training on new modalities, radiologist orientation on PACS and RIS workflows, and reception staff onboarding on scheduling and patient management systems.
Referrer outreach campaigns, website development, signage, GP engagement events, and digital marketing to build the referral pipeline that fills appointment books from week one.
Whether you are opening a single-modality community clinic or a multi-room imaging centre, there is a startup finance package sized for your ambition. Each tier can be customised — these are starting points, not rigid boxes.
For a single-modality community clinic — typically digital X-ray and ultrasound with basic PACS and RIS. Ideal for regional or suburban practices serving a focused referral base.
Finance for X-ray, ultrasound, or a single CT unit plus associated workstations.
One lead-lined scanning room and a small reading area, fully funded.
Lower repayments while your referral network builds initial patient volume.
For a multi-modality practice — typically CT, X-ray, and ultrasound with full PACS, RIS, and mobile reading. The standard configuration for a new suburban or regional imaging centre.
CT scanner, digital X-ray suite, ultrasound, and optional mammography unit.
Two to three lead-lined rooms, reading area, and reception — fully constructed.
Extended ramp-up window for practices building a multi-modality referral base.
For a comprehensive imaging centre — MRI, CT, X-ray, ultrasound, and mammography with full software stack. Suited to major suburban centres and hospital-affiliated practices.
MRI, CT, digital X-ray, ultrasound, mammography, and bone densitometry.
Four or more scanning rooms, multiple reading stations, and full reception build.
Extended runway for high-volume centres requiring longer referral network development.
Startup finance carries more risk than equipment leasing for an established practice, so our assessment is thorough but practical. We are looking for evidence that the practice can reach sustainable patient volume — not a flawless credit history or decades of trading accounts.
The founding radiologist or radiologist group must hold current AFRM fellowship and specialist registration with the Medical Board of Australia. We assess the clinical leadership's capacity to deliver the imaging services the practice will offer.
Evidence of relationships with referring general practitioners, specialists, or allied health providers who will direct patients to the new practice. Letters of intent, existing referral histories, or catchment-area analysis all strengthen an application.
A documented business plan with modality throughput assumptions, Medicare and private billing revenue models, staffing costs, and a month-by-month cash flow forecast for the first 18 months of operation. We help refine these if needed.
A lease or ownership arrangement for the clinic premises, plus any required local council development approval and radiation licensing in progress. We do not require the fit-out to be complete, but the premises must be secured.
Founding partners must contribute some personal capital — typically 0 to 10 percent of the total facility — to demonstrate commitment and align interests. The exact amount depends on the package tier and the strength of the overall application.
Professional indemnity and public liability insurance arrangements in progress, plus a plan for radiation safety officer appointment, ARPANSA compliance, and Australian Standards adherence for the equipment being installed.
A structured four-phase pathway that takes your new radiology practice from finance application through to a fully equipped, staffed, and operational clinic opening day.
Submit your business plan, cash flow projections, premises details, and equipment wishlist. We conduct an initial review and provide indicative terms within five business days of receiving complete documentation.
Formal credit assessment, facility documentation, and security arrangements are completed. We coordinate with equipment vendors and software providers to confirm pricing and delivery timelines alongside approval.
Funds are disbursed as milestones are reached — fit-out construction, equipment delivery and installation, software deployment, and staff training. We manage payment scheduling with each vendor on your behalf.
The clinic opens, the first patients are scanned, and the interest-only ramp-up period begins. Full principal-and-interest repayments start at month seven (or per your agreed schedule) as patient volume builds.
An anonymised example of a startup finance package in action. Names and identifying details have been changed, but the structure and outcomes are drawn from a real facility we funded.
A fellowship-trained radiologist returning from overseas identified an underserved regional centre in New South Wales with no local CT or MRI access. Patients were travelling over 90 minutes to the nearest imaging provider. With a signed premises lease, three letters of intent from local GP practices, and a detailed throughput model, they approached us for startup finance.
We structured a Professional-tier facility covering a 64-slice CT scanner, digital X-ray suite, ultrasound unit, full PACS and RIS licensing, lead-lined room construction for two scanning rooms, six months of working capital, and a referrer marketing budget. The interest-only ramp-up period gave the practice breathing room through the first two quarters while the local GP network built awareness. The practice reached break-even patient volume in month five — one month ahead of projection.
Once your clinic is operational, the same finance relationship supports your ongoing growth. These products work alongside your startup facility as your practice matures.
Lease additional imaging modalities as your practice expands, with flexible 24 to 60-month terms and upgrade pathways.
Learn moreSpread ongoing PACS, RIS, and DICOM viewer subscription costs across manageable monthly instalments post-launch.
Learn moreWhen the time comes to refresh your original equipment, finance the replacement with migration and trade-in support.
Learn more