What Credabl does

Credabl Pty Ltd is an Australian specialist finance broker and lender focused exclusively on healthcare professionals. Operating under Australian Credit Licence No. 499547 and headquartered in Sydney, the company targets doctors, dentists, veterinarians, junior doctors, and allied health professionals with a tailored product suite spanning business and personal lending — including practice purchase financing, commercial property loans, equipment finance, goodwill loans, overdraft facilities, practice build and fitout loans, car loans, and home loans. The company's go-to-market combines a team of specialist finance consultants (named, segmented by healthcare vertical) with digital channels — an online application portal at apply.credabl.com.au and a proprietary mobile application available on iOS and Android for post-origination contract management. Revenue is generated through a dual engine: commissions paid by lender partners (ANZ, CBA, NAB, Macquarie, St George, Westpac) for brokered loans, plus interest income from direct lending using Credabl's own funds. The firm does not charge direct service fees to clients.

Credabl operates across four Australian offices (Sydney, Melbourne, Brisbane, Perth) with additional team presence in Adelaide and the Gold Coast, and serves clients nationally. Its value proposition rests on three differentiators: underwriting expertise suited to medical-professional income structures that mainstream banks struggle to assess (bonuses, shift work, early-career earnings trajectories); value-added product features such as 95% LVR without Lenders Mortgage Insurance, up to 100% finance on eligible commercial products, 100% offset accounts, and a Qantas Business Rewards integration earning 1 point per $1 borrowed on commercial contracts; and an ecosystem of partnerships including Bendigo Bank for home loans, Grow Community for dental professionals, and Prime Practice for practice owners. Governance and compliance are formalized under the National Consumer Credit Protection Act 2009, the AML/CTF Act, the Privacy Act, and MFAA membership, with 5-star Google rating across 289+ reviews serving as the principal social proof asset.

Name

Credabl

Legal name

Credabl Pty Ltd

Website

https://credabl.com.au

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

51–100 employees

Short description

Credabl is an Australian specialist finance broker and lender serving doctors, dentists, vets, junior doctors, and allied health professionals with practice acquisition, commercial property, equipment, and home loans via a specialist consultant network and digital lending platform.

Ownership category

akta.pro rank

Product category

Specialist Healthcare Finance

NAICS

Nondepository Credit Intermediation (5222), Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162), Finance Services (6199)

akta.pro primary industry

CRE Bridge & Transitional Lending (FSALADAC)

akta.pro secondary industry

SME Commercial Real Estate (CRE) Lending (FSABABAG)

Keywords

• Specialist medical finance
• Healthcare professional lending
• Practice purchase loans
• Commercial property finance
• Doctor home loans

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Others

Revenue model

1. Commission from Lenders: Credabl operates as a mortgage and finance broker earning commission from financiers (ANZ, CBA, NAB, Macquarie, St George, Westpac) for placing loans. The company also lends its own funds. Commissions are paid by the lender, not directly charged to customers.
2. Interest Income on Own Lending: In addition to broking services, Credabl provides credit from its own funds, earning interest income on loans extended directly to clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Credabl is a specialist finance provider that arranges and provides loans and leases to medical, dental, and veterinary professionals in Australia, covering both business needs (buying a practice, commercial property, equipment, goodwill, overdraft, practice build, practice fitout) and personal needs (home loans and car loans). It operates as a finance broker earning commissions from major Australian lenders and also lends from its own balance sheet, supported by a digital application platform and a proprietary mobile app for contract management.

Product overview

Credabl is a specialist finance provider for medical professionals offering a comprehensive suite of business and personal loan products. The core offering consists of business/commercial loans (Buying a Practice, Commercial Property Loans, Equipment Finance, Goodwill Loans, Overdraft Facilities, Practice Build Loans, Practice Fitout Loans) and personal loans (Car Loans, Home Loans). These products are designed specifically for doctors, dentists, vets, junior doctors, and allied health professionals. The portfolio is supported by a proprietary mobile app for contract management, a Qantas Business Rewards loyalty integration for commercial borrowers, and a Green Loan program for sustainable practice investments. The company also operates community initiatives including Helping Hand Grants for purpose-driven healthcare professionals.

Differentiator

Problem solved

Functional benefit

Products and services

• Buying a Practice Specialist finance solution guiding doctors, dentists, and vets through all stages of purchasing a medical, dental, or veterinary practice.
• Commercial Property Loans Finance solution enabling medical professionals to own their own rooms by purchasing commercial property for their practice.
• Equipment Finance Financing option for acquiring medical, dental, or veterinary equipment needed to operate a practice, often without requiring financials for approval.
• Goodwill Loans Finance solution for purchasing the goodwill value of a medical, dental, or veterinary practice.
• Overdraft Facilities Flexible credit facility allowing medical professionals to use the goodwill of their practice as collateral for accessing funds.
• Practice Build Loans Medical construction loan for healthcare professionals to fund building a new practice premises or extension, covering commercial property purchase, construction, and fitout, with up to 100% finance available for eligible professionals.
• Practice Fitout Loans Financing solution to help medical professionals set up, renovate, or upgrade their practice premises, including purchasing equipment and creating a welcoming environment.
• Car Loans Quick and easy vehicle financing for medical professionals, with competitive interest rates and flexible terms tailored to the medical profession.
• Home Loans Tailored home loan solutions for doctors, dentists, and vets, including borrowing up to 95% with no Lenders Mortgage Insurance, a 100% offset account, access to multiple lenders, and tailored fixed and variable rate options. Home loans are now accessed directly via Bendigo Bank.
• Credabl Mobile App Mobile application for existing commercial clients to view designated bank accounts, request drawdowns or direct debits, request payout quotes, view request history, send secure messages, and customise contract names for easy identification.
• Green Loan Sustainability-focused financing solution covering green assets such as solar PV panels, battery systems, insulation, energy-efficient air conditioners, EV chargers, and energy monitoring systems for medical practices.

Quantifiable outcome

• Borrow up to 95% LVR without LMI for home loans
• +2 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Qantas Business RewardscoreGTM or Marketing PartnerCredabl partners with Qantas Business Rewards allowing business owners (doctors, dentists, vets with ABN) to earn 1 Qantas Point per $1 borrowed on eligible commercial products - uncapped. Points are credited within 45 days of finance being provided. The $89.50 Qantas Business Rewards joining fee is waived for Credabl customers.
• Grow CommunitycoreGTM or Marketing PartnerCredabl is a proud partner of the Grow Community for dental professionals. Grow Community is a dental industry community platform, and Credabl provides exclusive financial partner services to its members.
• Prime PracticeminorGTM or Marketing PartnerListed as a partner organization, providing business solutions and resources for medical and dental practice owners.
• Bendigo BankcoreChannel Partner/ Reseller/ DistributorHome Loan access is now direct via Bendigo Bank. Customers are directed to contact Bendigo Bank on 1300 652 220 for home loan assistance. This represents a channel partnership where Credabl refers home loan customers to Bendigo Bank.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Athena Home Loans: Athena is an Australian digital challenger lender offering home loans with proprietary tech and a price-beat promise. While not medical-specialised, it is an emerging competitor for medical professional home loan flow and a useful benchmark for digital-first broker/lender models.

Broad incumbents

• Mortgage Choice: Mortgage Choice is one of Australia's largest mortgage broker networks, owned by RAMS (ANZ group). It offers home loans across the general population; not medical-specialised but competes for the same broker-arranged loan flow.
• Aussie Home Loans: Aussie is a major Australian retail mortgage broker network (part of Lendi Group) that originates home loans for the mass market through a store-based broker channel — comparable as a broad-based broker competitor to Credabl's home loan referral flow.

Others

• Pepper Money: Pepper Money is an Australian-listed non-bank lender active in prime, near-prime, and specialist mortgage and asset finance markets. It is one of the alternative funders on Credabl's broker panel and a peer in non-bank specialist credit provision.
• RedZed: RedZed is an Australian specialist non-bank lender focused on self-employed, SME, and professional borrowers including healthcare practitioners. Comparable as an alternative funding source for medical professional loans in Australia.
• Liberty Financial: Liberty is an Australian non-bank lender active in residential, commercial, and asset finance distributed partly through broker networks. It operates in adjacent specialist lending territory where Credabl places loans with non-bank funders.

Direct peers

• BOQ Specialist: BOQ Specialist (formerly Medfin) is Australia's specialist bank dedicated exclusively to medical, dental, and veterinary professionals, offering home loans, practice finance, equipment finance, and commercial property loans — directly comparable to Credabl's product suite and target segments.
• Specialist Finance Group (SFG): SFG is an Australian mortgage and finance broker that specialises in lending for medical professionals, accountants, lawyers and other professionals. Its vertical specialisation and broking model closely match Credabl's positioning and distribution approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/credabl
• Facebookfacebook.com/credabl
• LinkedInlinkedin.com/company/credabl

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credabl