Speciality desk

Your degree is the collateral

Built for the practice, not the property

A doctor eight years into training has earning power and almost no assets. Standard underwriting reads that as risk. Doctor loans read it correctly — assessed on your qualification, your specialisation and what the practice will earn.

Check your eligibility Call +91 88067 78771

No conventional collateral Assessed on practice revenue Equipment and fit-out included

What it covers

Four things doctors borrow for

Usually more than one at a time, which is exactly why a general-purpose business loan fits badly.

Setting up a new clinic

Premises deposit, interiors, fit-out and the first months of running costs before the practice is paying for itself.

Longer moratorium while patient numbers build
Structured around when the practice starts earning

Expanding an existing one

A second location, more chairs or beds, or taking over the floor upstairs.

Assessed on the existing practice’s actual revenue
Higher limits once there is a track record

Equipment

Diagnostic and treatment equipment, from a dental chair to imaging. Often financed separately from the premises, at a different rate and tenure.

Equipment can secure its own loan
Tenure matched to the useful life of the machine

Working capital

The gap between treating a patient and being paid — particularly where a large share of billing runs through insurers and TPAs.

Overdraft against receivables
Interest only on what you draw

Check your eligibility

Why this exists

The usual question is the wrong question

Conventional underwriting asks what you can pledge. For a doctor who has spent a decade qualifying, the honest answer is often "not much yet" — which produces a rejection that has nothing to do with whether the loan would have been repaid.

Lenders with a doctor programme ask a different question: what is this practice going to earn? Qualification, specialisation, years in practice and existing revenue carry the assessment. It is not a favour or a concession — it is simply better-aimed underwriting, and default rates in the segment reflect that.

How it works

From first call to disbursal

Eligibility, before anything formal

Qualification, registration, years in practice and what you are financing. No application, no enquiry on your credit report.
We match the lender

Not every bank runs a doctor programme, and the ones that do differ sharply on specialisation and on how much they will lend against projected revenue.
Documents once

Degree, registration, practice financials where they exist, KYC. One set, submitted to the lender most likely to approve it.
Sanction and drawdown

Structured so repayment starts when the practice is earning, not on the day the premises are still being painted.

FAQ

Questions people actually ask

Do I need to be practising already?

No. Programmes exist for doctors setting up a first clinic, though terms are usually better once there is revenue history. What you will always need is your qualification and a valid registration with the relevant medical council.

Which qualifications count?

MBBS, BDS, BAMS, BHMS, MD, MS and the post-graduate specialisations, though the exact list varies by lender and so do the limits. Super-specialists generally see the highest sanctions. Tell us your qualification and we will tell you which lenders are open to it.

Is any security needed at all?

Frequently none for smaller amounts. Larger sanctions may want the equipment itself, or the premises where you own them. The point is that it is not the starting requirement it would be on a standard business loan.

Can I get a moratorium?

Usually yes for a new setup — a period where you pay interest only, or nothing at all, while the practice builds. Interest still accrues during it, which is worth understanding rather than being surprised by later.

How much can I borrow?

It depends on qualification, specialisation, years in practice and existing revenue, and lenders differ enormously. There is no honest single number to quote here. A short conversation gets you a real range.

Find out what you qualify for

No formal application, no credit-report enquiry. Just a straight answer on what is available to you.

Check your eligibility Call +91 88067 78771

Application forms are being finalised. Until they are live, call or email us and we will start your application directly.