Rainey Financial
Financial Planning & Protection

Get to know Rainey Financial.

Business finance and lending for allied health clinic owners, structured for health.

What they do

Rainey Financial is a Melbourne-based mortgage and business finance brokerage with access to hundreds of lending products from trusted lenders across Australia. Rather than going directly to a single bank and accepting whatever they offer, Rainey Financial shops across the market to find the right structure and rate for your situation.

For clinic owners, their most relevant services are business lending, equipment finance, commercial fit-outs, and investment property — the kinds of finance decisions that come up when a clinic is ready to grow. They understand how to structure finance for health businesses, including the nuances around practice income and business assets.

Why Clinic Mastery trusts them

Growing a clinic often requires capital. A new location, equipment upgrades, a commercial fit-out, or a business acquisition — these decisions are too important to make with the wrong lending partner. Rainey Financial understands how to structure finance for health businesses and how to find the right product across a wide market rather than defaulting to one lender.

Best for

Clinic owners looking to fund growth through business lending, equipment finance, or commercial property — and who want an experienced broker to find the best structure across the full lending market.

Common questions

What types of finance does Rainey Financial help clinic owners access?

Rainey Financial works with clinic owners on business lending, equipment finance (physio equipment, fit-outs, technology), commercial property loans, and investment property. They're the right broker to call when you're ready to fund a new location, expand an existing clinic, or make a significant capital investment.

Why use a broker rather than going directly to a bank?

A broker like Rainey Financial has access to hundreds of lending products across multiple lenders and can find the right structure and rate for your specific situation. Going directly to one bank limits your options and means you're at the mercy of whatever that bank will offer.

Does Rainey Financial understand how allied health business income works?

Yes. Allied health businesses often have income structures that don't fit neatly into standard bank criteria — mix of Medicare, private, NDIS, and associate income, for example. Rainey Financial understands how to present a health business to lenders in a way that works.


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