24 August, 2026
Healthcare in New Zealand is under more pressure than ever to deliver faster, more accurate care, and that means investing in newer equipment and better facilities.
Recent government investment commitments, including Budget 2026's $682 million health capital investment, highlight the ongoing need for providers to keep pace. The challenge is cost: the equipment keeps advancing, the bills keep climbing, and few practices want to tie up a large chunk of working capital to stay current.
That is where the right healthcare finance partner makes the difference. Good funding lets you access the equipment and space you need now and spread the cost in a way that protects your day-to-day cash flow.
Funding that scales with you
At Speirs Finance, we work alongside healthcare providers at every stage, from clinic finance for a first practice to hospital equipment finance for established hospitals.
For small clinics and new practices, that often means funding a first set of equipment or a fit-out. With no-deposit options available, an orthodontic studio opening its doors could fund its entire clinic fit-out without a large upfront outlay, so it can start seeing patients sooner.
For growing providers, clinic expansion finance might fund a second location, extra treatment rooms or an equipment upgrade. A radiology clinic upgrading to a new ultrasound, for instance, can spread the cost rather than paying outright, so the repayments sit comfortably alongside existing commitments.
For hospitals and specialist providers, we fund high-value imaging and surgical equipment, infrastructure upgrades and larger capital projects, with the local decision-making to keep them moving.
What we finance
Speirs Finance provides healthcare equipment finance for providers across New Zealand, and our medical finance covers far more than the obvious assets. We fund both the equipment and the space it goes in, from the clinical gear itself through to the medical fit-out and clinic build around it: construction, reconfiguration, radiation shielding and compliance-driven building works. Bringing the medical equipment finance and the fit-out together as one complete solution, with a single monthly repayment, keeps the whole project simple and means you are not juggling multiple lenders.
Projects we finance
- Dental and orthodontic: dental chairs, intraoral and 3D imaging, lasers and autoclaves, through to a full surgery fit-out.
- Radiology and imaging: MRI and CT scanners, ultrasound and X-ray systems, and the radiation shielding and room build they need.
- Surgical and specialist: operating theatre equipment, anaesthesia machines, endoscopy units and sterilisation gear.
- Optometry and ophthalmology: diagnostic and treatment equipment for eye-care practices.
- GP and allied health: consulting and treatment equipment, medical-grade IT, and practice fit-outs.
- Hospitals and specialist providers: high-value imaging and surgical equipment, ward refurbishments, large-scale imaging suites and compliance upgrades.
Why finance instead of buying outright
Financing keeps your working capital where it belongs, in your business. You get access to modern equipment sooner, predictable monthly repayments you can plan around, and the room to keep investing as you grow, rather than waiting until you have saved enough to buy. Speirs Finance also offers medical equipment leasing for providers who would rather not own the asset outright. If you have questions about how it works, our FAQs cover the common ones.
Why providers choose Speirs Finance
As an established healthcare finance company, Speirs Finance has spent more than 60 years funding equipment and assets for New Zealand businesses, and we are 100% New Zealand operated and managed. Our specialist approach to healthcare lending goes beyond transactional finance. Our dedicated healthcare team, led by Sean Coutts, focuses on medical, dental, radiology and specialist providers, so it understands the things that matter in practice: how clinical equipment is chosen and replaced, the compliance demands of a medical fit-out, and the cash-flow rhythm of running a busy clinic. That sector knowledge means the funding is built around how healthcare actually works, and our local team makes the call quickly rather than sending it offshore. From healthcare asset finance to full clinic fit-outs, we tailor the structure to fit your business, not the other way around.
As Sean Coutts, Head of Healthcare, puts it: “Most of the providers we work with aren’t short of ambition, they’re just careful with cash. Our job is to structure the funding so they can get the equipment and the space they need now, without putting the rest of the business under pressure.”
FAQS
Q: Do I need a deposit to finance healthcare equipment or a fit-out?
Not necessarily. Speirs Finance offers no-deposit options, with eligible borrowers able to fund up to 100% of the cost, subject to approval.
Q: How much can I borrow, and over what term?
Speirs Finance funds from $10,000 up to $20 million, with flexible terms from 6 to 84 months, structured around how the asset is used and your business goals.
Q: Can I finance the equipment and the fit-out together?
Yes. We can bring the equipment and the fit-out into a single facility with one monthly repayment, so you are dealing with one lender across the whole project rather than several.
Q: Can I finance used or refurbished equipment?
Yes. We fund both new and used revenue-generating assets, with the term matched to the asset’s useful life.
Q: What happens at the end of the finance term?
If you have financed the asset, it is yours to keep once the term is complete. If you have chosen to lease, you will usually have the option to upgrade, extend or return the equipment at the end of the term.
Q: How are finance repayments treated for tax?
The tax treatment, including GST and depreciation, depends on how the finance is structured and your own circumstances. Your accountant can confirm what applies to your practice, and we are happy to talk through the options so you both have what you need.
Q: Can I finance equipment before my practice is registered with the Medical or Dental Council?
We look at the whole picture of your practice and the asset, not just your registration status. Talk to our healthcare team about your situation.
Let's talk about your next step
Whether you are fitting out your first clinic or planning a hospital expansion, our healthcare finance specialists can help you find healthcare funding solutions that scale with you. Talk to the Speirs Finance healthcare team about a tailored option for your practice or organisation.