Bridge cash gaps from known cash shortfall periods or unexpected costs.

Like every business, practices often experience lumpy cash flows. There may be predictable times, such as following tax remittances, when you know the practice will be squeezed for cash. At other times, the practice may face unplanned expenses.

This is where line of credit finance plays a vital and cost-effective role, giving your practice a reliable source of working capital that is available when you need it, with the flexibility to pay the balance down when cash holdings are in surplus.

Avant Finance’s line of credit provides working capital to keep your practice running smoothly.

How does a line of credit for doctors work?

Avant Finance’s team of medical lending specialists will work with you to determine a limit for your line of credit. From here, we can usually have funds available to you in as little as 24-48 hours.

The advantage of a line of credit is that it offers the flexibility to draw down funds when needed, with the freedom to reduce the balance owing at your own pace. The loan term determines what date repayment is required, and interest is only charged on the funds drawn down.


Instant access to working capital

A line of credit provides instant access to funds when needed without having to apply for a new loan.


Interest is only charged on funds drawn down, letting you control how much interest you pay.


Enjoy the freedom to make interest-only repayments to preserve cash resources.

Ease of transacting

Use your line of credit to complete all your transactions instantly.

Save on additional costs

Have the funds available to secure early payment discounts or avoid late payment penalties on unexpected practice bills.

Fast, efficient process

We can have your line of credit facility up and running in as little as 24-48 hours.

Medical professionals shaking hands.

Why partner with Avant Finance?

As a specialist lender to medical professionals Avant Finance understands the financing needs of doctors.

We offer a fast, efficient application and approval process, with funding available to new as well as established practices.

One of our key strengths is the choice we provide.

Choose from our competitively-priced line of credit options for doctors, or let us recommend the appropriate product from one of our lender partners.

Frequently asked questions

Yes, you can pay down and redraw your line of credit, multiple times as required, within the loan term.

The rates that apply to a business or practice overdraft vary according to whether the loan is secured or unsecured. Both are far cheaper than credit card funding which is usually 15-25%.

Your Avant finance specialist can walk you through the details, including interest rates on the most suitable products.

The rates that apply to a line of credit vary according to whether the loan is secured or unsecured. Both have better interest rates than credit card funding which can be 10% p.a. more.

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*Eligibility criteria, terms and conditions, fees and charges apply. Contact us for further details.

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