HEALTHCARE FINANCING
Clinic financing — so you can focus on patients, not paperwork.
Equipment upgrades. Second location. New premises. Insurance receivables gap. We handle the financing so you can focus on what you actually trained for.
What healthcare businesses typically need
Medical equipment
EFS Fixed Assets Loan — up to $30M, 15-year tenure, government-backed. Diagnostic, surgical, dental, laser equipment all qualify.
Clinic premises
Commercial property loan to buy your own space. Own instead of lease — eliminate renewal risk, build long-term asset value.
Operations & staffing
EFS Working Capital to cover salaries, consumables, and running costs — especially during ramp-up at a new location.
Insurance receivables
Invoice financing bridges the gap between treatment and reimbursement. Some lenders specialise specifically in healthcare receivables.
$50K
Minimum typical amount
$2M
Maximum typical amount
5–10
Business days to approval
Case study
A Novena GP clinic expanded to a second outlet in Clementi. FundWise structured an EFS Fixed Assets loan for the diagnostic equipment ($280K, 7-year tenure) and a working capital facility for the ramp-up period ($80K). Both applications moved simultaneously — funded in 9 business days.
Healthcare financing questions
Can a GP or specialist clinic get an EFS Working Capital Loan?
Yes. Healthcare businesses registered as Singapore companies (Pte Ltd or sole proprietorships with local shareholding ≥ 30%) are eligible for EFS working capital loans. The key eligibility criteria are the same as for other sectors. Some lenders have healthcare specialists who understand the billing cycle and insurance receivables structure of medical practices.
What financing is available for medical equipment?
Medical equipment is one of the clearest use cases for the EFS Fixed Assets Loan — up to $30M, up to 15-year tenure, government risk-share. Eligible equipment includes diagnostic machines, dental chairs, laser therapy equipment, endoscopes, surgical equipment, and more. The asset itself serves as collateral, which improves approval odds significantly.
Can I use a business loan to buy my clinic premises?
Yes — a commercial property loan covers the purchase of clinic premises, whether strata-titled medical suites or HDB shophouses used for medical purposes. This is often a smart long-term decision: owning your premises eliminates lease renewal risk and can appreciate in value. We compare commercial property loans from 12+ banks.
What about insurance receivables gap financing?
Insurance companies (and Medisave/MedShield reimbursements) often take 30–90 days to process. Invoice financing or a revolving working capital line can bridge this gap. Several alternative lenders work specifically with healthcare providers on insurance receivables. We know which ones.
I want to open a second clinic — what financing covers this?
Expansion to a second location typically involves a mix: renovation loan or EFS term loan for the fit-out, commercial property loan if you're buying the space, and an EFS working capital loan to cover staffing and operational costs in the ramp-up period. We can structure these as a combined application to different lenders simultaneously.
Last updated: April 2026
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