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Your Dental Specialist
Code Black Finance is the perfect choice for dentists looking for specialised finance services. Our experienced team is highly knowledgeable in the dental 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 new equipment or add an additional chair? We provide financing for the latest dental technology, enabling you to acquire high-end equipment and increase your practice's income generating assets. Our dental finance packages are tailored to fit your needs and budget, so you can enjoy the latest technology without breaking the bank.
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 rooms sounds great right? Purchasing your current practice rooms 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. Dentists 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
Practice Fit out – Want to create the perfect environment for your new or existing dental practice? Finance packages can be tailored to help you with the costs of relocation, 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 dental practice a reality.
Construction Loans
It can be difficult to find the exact property to suit your requirements, why not purpose build your own clinic? Certainly a popular choice when you outgrow your current rooms 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. There is 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 Dental 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
We understand dentists' distinct financial requirements and provide specialised home and investment lending solutions for your profession. Whether you own your practice or work as a subcontractor in a clinic, we deeply understand your income structure, allowing us to offer tailored financing solutions without the need for extensive explanations. With our personalized approach, we can help you navigate the lending marketplace because no single bank policy is the same. Code Black is available after hours, too, as we recognize the challenge of taking time out of your day while treating patients. With as little as a 5% deposit, you can be well on the way to securing your new home sooner than you think.