Fast, flexible lending for doctors, A&E clinics, vets, dentists, aged care, cosmetic and ocular clinics across New Zealand. Apply in minutes · Indicative terms in 48 hours · Settlements from 5 - 10 business days
About Vega Med
Vega Med is the healthcare finance division of Vega GROUP.
We combine deep sector knowledge with smart credit to deliver lending that fits how medical practices actually operate under high patient demand, capitalintensive equipment, and the need for speed with zero downtime.
Our team funds everything from startup practices and surgical fitouts to imaging equipment, vehicles and working capital. We partner with practitioners, clinic groups, and advisers nationwide to keep care moving.
What sets us apart
- Healthcare: only focus purpose built products and underwriting for medical cashflows.
- Speed without the friction: simple data capture and pragmatic security.
- NZ based: decisions made locally.
- Whole of practice view: we finance the clinic, the equipment and where appropriate the practitioner’s property needs under one umbrella.
Our Clients & Solutions
Doctors & A&E / Urgent Care Clinics
- Rapid approvals for urgent care set-ups, triage rooms, imaging, and point-of-care diagnostics
- Claims cycle finance to bridge ACC/insurer timing
- Start-up packages for new clinics and satellite locations
Veterinary Practices (Small & Mixed Animal)
- Equipment for mixed and small animal practices (digital radiography, ultrasound, surgical packs)
- Mobile vet vans and rural service set-ups
- Stock and consumables lines for seasonal demand
Cosmetic Medicine & Appearance Clinics
- Lasers, injectables refrigerators, treatment chairs, sterilisation, IT/booking systems
- Fit-out finance covering design, cabinetry, and signage
- Launch packages for new sites and brand roll-outs
Dental Practices & Orthodontics
- Bundled solutions including chairs, CBCT/OPG, sterilisation, cabinetry, and software in one facility
- Residual/balloon finance options to keep monthly outgoings predictable
- Acquisition finance for buying into or buying out a practice
Aged Care & Retirement Operators
- Facility acquisition and refurbishment lines
- Funding for beds, nurse call systems, medication management, mobility equipment, and vehicles
- Working capital solutions aligned to occupancy and care level mix
Ocular / Ophthalmology & Optometry Clinics
- Equipment including OCT, fundus cameras, slit lamps, YAG/diode/Excimer lasers, diagnostic suites
- Theatre upgrades and day surgery equipment bundles
- Claims cycle and capex lines matched to procedure mix
Core Products
We provide tailored finance solutions for medical, dental, and allied health practitioners, helping you grow, upgrade, and sustain your practice. Our core products are designed to support every stage of your journey, from start-ups and expansions to equipment upgrades and property investment.
For acquiring a clinic, merging, or buying into a partnership.
- Loan size: $100k – $20m+
- Terms: up to 15 years (principal & interest), interestonly options available during transition
- Security: business assets + limited guarantees
- Use cases: goodwill purchases, partner succession, M&A bridge
For new sites, refurbishments, additional rooms, sterilisation areas, or accessibility upgrades.
- Loan size: $50k – $10m
- Terms: up to 7 years; progress drawdowns available
- Security: equipment/general security agreement; property support optional
From imaging and diagnostics to dental chairs, autoclaves, lasers, theatre and lab equipment.
- Structures: chattel mortgage or asset lease; seasonal/step payments to match cash flow
- Terms: 2 – 7 years; balloon/residual options
- Vendors: we work with your preferred suppliers; multiasset bundling available
Clean car compliant vehicles, mobile imaging vans, emergency response, homecare fleets.
- Terms: 2 – 5 years; ownership or operating lease
- Inclusions: fitouts, racking, EV chargers
Cover payroll, consumables, rent and growth while you scale.
- Structures: revolving overdraft or term working capital
- Limits: $50k – $2m+
- Extras: interest only periods during expansion or relocation
Advance against predictable reimbursements (e.g., ACC related treatments and private insurers) to smooth cash flow.
- Limits: typically, 70–85% of approved receivables
- Settlement: daily/weekly sweeps
- Use cases: growth, seasonal dips, delayed insurer payments
Owner occupied clinic premises and investment property for eligible clinicians and practice owners.
- Features: higher LVRs for eligible medical professionals
- Types: commercial property (clinic), residential (owner occupied or investment)
Purpose built lending for rest homes and retirement operators.
- Use cases: facility acquisition, room upgrades, nurse call/IT refresh, vehicles
- Structures: term loans + capex lines
For first time founders and breakaways.
- Includes: fitout + equipment + working capital in a single approval
- Add-ons: marketing launch budget, software subscriptions for first 6–12 months
- Support: light touch covenants while you ramp
Fund solar, HVAC efficiency, LED theatre lighting, sterilisation energy upgrades and EV fleets.
- Benefits: potential operating cost savings; align with ESG goals and patient expectations
How We Work
What to expect when working with Vega Adviser
What we usually need
- Photo ID and NZBN/entity documents
- 12–24 months of financial statements or Xero access
- 3–6 months of bank statements
- Vendor quotes or floorplans (for fit-outs)
- Lease or heads of agreement (if relocating)
Who’s eligible
- Registered medical, dental, vet, optometry, or aged-care practitioners/operators
- NZBN entity with NZ operations
- Clean credit history (small explainable issues considered)
Turnaround times
- Equipment only: usually 3–5 business days
- Fit-out & property: usually 7–15 business days (depending on valuation and consents)
FAQs
Yes. Our StartUp Package bundles fitout, equipment and working capital with staged repayments.
Not always. Many equipment and fitout loans are secured by the assets and business only.
Yes. We can settle multiple quotes under one facility.
Absolutely including chargers and medical fitouts.
Yes, we collaborate to get the structure right.
Compliance
Vega Med products are provided by Vega and selected lending partners. All lending is subject to credit approval, responsible lending obligations and standard terms. Fees, rates and lending criteria apply. The content on this page is general in nature and not financial advice. If you need personalised advice, please speak to a Vega Med specialist.
