Finance solutions for aged care providers balancing compliance, staffing, property and growth, with specialist finance advice to help you secure funding that's aligned with your organisation's needs.
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Aged care providers operate in a highly regulated environment where occupancy, staffing, compliance, property requirements and government funding arrangements can influence borrowing capacity and lender appetite.
At 3LANE Finance, we help aged care providers arrange property, business, equipment and working capital finance. We take the time to understand your operating model, financial position and growth plans before comparing suitable lenders and loan structures.
Whether you are acquiring or developing a facility, upgrading existing premises, purchasing equipment or strengthening cash flow, we structure your finance around the needs of your organisation.
A specialist broker that understands your scenario and presents it to lenders in the best possible light.
Aged care businesses have funding, staffing, compliance and property requirements that differ from those of conventional businesses. We consider these factors when structuring and presenting your finance application.
We compare finance options across major banks, challenger banks and specialist non-bank lenders. This allows us to identify lenders whose credit policies and lending appetite are better suited to your organisation and proposed transaction.
Lenders apply different criteria to residential aged care, home care and Support at Home providers. We assess your circumstances before approaching lenders, helping reduce unnecessary applications and identify a suitable funding pathway.
From your initial enquiry through to settlement, we prepare your application, coordinate with the lender and manage the finance process on your behalf. We keep you informed and help address lender requirements as they arise.
Lenders assess more than financial statements. Depending on the type of aged care business and transaction, they may also consider occupancy, government funding, staffing costs, management experience, compliance history, property security and long-term sustainability.
We assess these factors before approaching lenders so that your organisation and proposed transaction can be presented clearly, accurately and with the appropriate supporting information.
This helps us identify lenders whose credit policy and industry appetite are better suited to your circumstances.
Every aged care provider has different operational, property and funding requirements. We assess your objectives, financial position, security and funding timeline before comparing suitable lenders and finance structures.
We manage the finance process from the initial assessment through to settlement, helping you understand the available options and lender requirements before an application is submitted.
We take the time to understand your aged care services, ownership structure, financial performance, property requirements, funding arrangements and long-term objectives.
We compare suitable lenders, loan structures, repayment options and security requirements. We then recommend a finance strategy that reflects your circumstances and proposed transaction.
We prepare and present your application, liaise with the lender and coordinate the process through to settlement, keeping you informed at every stage.
Estimate indicative repayments, borrowing capacity and stamp duty for your proposed transaction. Your broker will confirm the figures based on your circumstances and lender requirements.
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
Get a tailored assessmentBased in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.
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Quick answers for clients comparing finance options.
Yes. Depending on your circumstances, finance may be available for working capital, business acquisitions, vehicles, equipment, property and facility improvements. Available loan structures will depend on factors including your financial performance, management experience, security and the proposed use of funds.
Yes. We can explore commercial property and business acquisition finance for eligible aged care facilities. We assess the property, operating business, financial performance, proposed ownership structure and lender requirements before recommending a funding strategy.
Yes. Working capital and cash-flow finance may be available to help manage payroll, operating expenses, facility improvements and the timing of funding receipts. We will assess your cash flow and compare lenders that can support your requirements.
Depending on the transaction, lenders may consider financial performance, occupancy, government funding, staffing costs, management experience, compliance history, property security and the organisation’s capacity to service the proposed debt.
We work with major banks and specialist non-bank lenders. The lenders we approach will depend on your aged care operating model, financial position, security, borrowing requirements and proposed use of funds.
In many cases, the lender pays us a commission when finance settles. Depending on the type and complexity of the transaction, a separate broker fee may also apply. We will disclose and agree any applicable fee with you before proceeding.
Yes. We can explore property, development, equipment and business finance for refurbishments, extensions, additional rooms, equipment purchases and other facility improvements. Approval remains subject to lender requirements and the details of the proposed project.
Yes. We can periodically review your interest rate, loan structure, repayment arrangements and facility terms to determine whether they continue to suit your organisation. Where appropriate, we can also explore refinancing, restructuring or additional funding opportunities.
Share your goals with the 3LANE team and we will help you understand the lending options that may suit your position.
