Doctor Loans
Tailored financing solutions for qualified medical professionals to establish individual practices, upgrade clinics, or manage personal and business growth.
Smart Healthcare Financing Solutions
Financing a healthcare facility is a complex task that requires expertise and an understanding of the unique needs of the healthcare sector.
Healthcare financing requires specialized solutions that standard loan products often cannot accommodate effectively. Choosing the right lender, loan structure, and repayment plan is essential to ensure long-term financial stability and business success.
We work closely with leading banks and NBFCs to identify the most suitable financing option, assist with documentation, prepare the application, and support you throughout the loan approval and disbursement process.
Connect with our experts
Please note: Blood Test Consultancy is a consultant, not a bank, NBFC or lender, and does not lend money itself. We help you prepare and place your application with banks, NBFCs and other financial institutions. Loan approval, interest rates, fees and terms are decided solely by the lending institution, and every loan is subject to its eligibility criteria and documentation requirements.
What We Do & What We Don’t
What we do
- Prepare your project report, CMA data and financial projections
- Check your fit for schemes such as CGTMSE, Stand-Up India and PMEGP
- Shortlist the bank or NBFC best suited to your profile
- Prepare, check and submit the loan application with you
- Follow up with the lender until the loan is disbursed
What we don’t do
- Lend money ourselves — we are a consultant, not a bank or NBFC
- Decide loan approval, interest rates or terms — the lender does
- Guarantee a sanction — every loan depends on the lender’s eligibility checks
- Handle the loan money — the lender disburses directly to your account
Our Financing Advantage
We handle the funding end to end — structuring the requirement, placing it with the right lender and seeing it through to disbursement.
Capital Preserved
Finance structured around your future income, so your working capital stays in the business.
Lender Matching
We match you with the bank or NBFC best suited to your profile from our established relationships.
Complete Documentation
Project Reports, CMA Data, projections and every document lenders require, prepared for you.
Expert Guidance
Support from first enquiry through to disbursement, with regular updates at every stage.
Our Finance Partner
CA Balasubramanian K
Growth Head & Lending Expert – Healthcare Finance & Doctor Loans
View LinkedIn ProfileCA Balasubramanian K brings 20 years of extensive experience across credit, lending, risk management, underwriting, and financial advisory, with extensive expertise in Healthcare Finance and Doctor Loans. His experience spans PAN-India leadership roles across Credit Administration, Risk & Policy Management, and Underwriting, enabling him to understand both the financial and operational needs of healthcare professionals and institutions.
He has contributed to leading financial institutions including ICICI Bank, Bajaj Finance, Capital Float (Amazon), and IBO (WestBridge Capital Group), driving growth, compliance, credit quality, and portfolio performance on a national scale.
Over the years, Bala has developed strong expertise in Doctor Finance and Healthcare Funding, supporting doctors, clinics, hospitals, diagnostic centres, and healthcare entrepreneurs with structured financial solutions. His areas of expertise include Doctor Loans, Hospital & Clinic Loans, Medical Equipment Finance, Working Capital, Business Expansion Finance, Loan Against Property, Debt Restructuring, and Project Funding. He also works closely with healthcare professionals on financial planning, loan structuring, project feasibility, funding strategy, and end-to-end lender coordination.
Armed with a strong academic foundation in Bachelor’s in Commerce, Master’s in Financial Management, Chartered Accountancy (CA), and Applied Finance from IIM Calcutta, Bala combines analytical precision with strategic financial acumen.
As a founding member of Infinity Solutions, he has been instrumental in building the organisation from the ground up, shaping its strategy, systems, lending relationships, and growth journey.
His Core Focus
“You take care of healthcare. We take care of your finance.”
Bala’s vision is to become a trusted Healthcare Finance & Doctor Finance partner, providing end-to-end financial support—from funding strategy and project feasibility to loan structuring, lender selection, sanction, and disbursement—helping doctors and healthcare businesses grow with the right financial solutions.
1.
How much loan am I eligible for?
Loan eligibility depends on your income, financial statements, business profile, project cost, repayment capacity, and the lending institution's policies.
2.
What interest rate can I expect?
Interest rates vary depending on the lender, loan type, credit score, business profile, collateral, and tenure. We compare multiple options to help you obtain competitive terms.
3.
Can I trust the lender?
Yes. We work with reputed banks and established financial institutions. We explain the loan terms, repayment schedule, and conditions clearly so you can make an informed decision.
How Blood Test Consultancy Can Support
We provide end-to-end financial consultancy for doctors, dentists, diagnostic laboratory owners, hospitals and healthcare professionals:
- Hospital Loans
- Loan Against Property
- Diagnostic Laboratory Loans
- Professional Loans
- Medical Equipment Finance
- Government Scheme Loans
- Clinic Setup & Expansion Loans
- Debt Restructuring
- Working Capital Finance
- Customized Funding Solutions
You take care of your profession. We take care of your finance.
Healthcare Loan Solutions
Debt finance for every stage of a healthcare business, from setting up and equipping a facility to funding daily operations and restructuring what you owe.
Hospital Loans
Setting up, expanding, renovating or modernising a hospital, its departments and supporting infrastructure.
Diagnostic Lab Loans
Establishing or expanding diagnostic centres and laboratories, including infrastructure and technology upgrades.
Medical Equipment Loans
Purchasing or upgrading CT/MRI scanners, X-ray systems, ultrasound machines, dialysis and surgical equipment.
Working Capital Finance
Day-to-day operating costs such as salaries, medicines, consumables, rent, utilities and vendor payments.
Business Expansion Loans
Expanding an existing business through additional branches, new services, increased capacity or relocation.
Loan Against Property (LAP)
Secured funding against residential, commercial or other eligible property, for expansion or working capital.
Debt Restructuring
Reviewing existing loans, repayment obligations and overall debt structure to improve monthly cash flow.
Government Scheme Loans
Funding under eligible government-backed schemes and subsidy or credit-support programs for healthcare.
Term Loans
Medium- to long-term finance for construction, renovation or capital expenditure, repaid in instalments.
Your loan file
What We Prepare for You
We build the loan file with you and take it through to the lender, so you are not left to put the paperwork together on your own.
-
Project Report
A professional project report for your hospital, lab, clinic or equipment purchase, in the form banks and financial institutions expect.
-
CMA Data & Projections
CMA data and financial projections built on practical cash flows, so the repayments you commit to stay comfortable.
-
Proposal Structuring
We understand your funding requirement and structure the proposal around your business needs, including leasing versus buying where relevant.
-
Lender Shortlisting
We identify the bank or NBFC best suited to your profile and discuss the proposal with both you and the lender.
-
Application & Documentation
We collect and verify the required documents, prepare the application and submit it, and help with any additional documents the lender asks for.
-
Follow-up to Disbursement
We coordinate with the lender during processing, keep you updated, and see the file through sanction, bank compliances and disbursement.
Schemes, Eligibility & Documents
Three schemes healthcare entrepreneurs ask about most. We check which one fits your project before we approach a lender.
| Feature | CGTMSE | Stand-Up India | PMEGP |
|---|---|---|---|
| Who it’s for | New and existing micro & small enterprises, including healthcare services | SC/ST and women entrepreneurs (at least 51% shareholding) starting a first, greenfield venture | Individuals and groups setting up a new micro enterprise |
| Loan size | Guarantee cover on loans up to ₹10 crore | ₹10 lakh to ₹1 crore | Project cost up to ₹20 lakh (service sector) or ₹50 lakh (manufacturing) |
| Collateral | No collateral or third-party guarantee for covered loans | Assets bought with the loan are pledged; may be backed by the CGSSI guarantee instead of collateral | Loans are covered under the CGTMSE guarantee |
| Key benefit | Collateral-free credit; guarantee fee from 0.37% a year, paid through the lender | Composite loan (term loan + working capital) of up to 75% of the project cost | Government subsidy of 15% to 35% of the project cost, depending on category and location |
Indicative, based on current scheme guidelines. Limits and conditions change and each lender applies its own checks — we confirm the terms that apply to your case.
What lenders commonly ask for. We check and complete the list with you before anything is submitted.
| Requirement | Individual doctor | Clinic, firm or company |
|---|---|---|
| Who can apply | A qualified doctor registered with the medical council | A proprietorship, partnership, LLP or private limited company setting up or running a healthcare facility |
| Identity (KYC) | PAN, Aadhaar and address proof | PAN of the business, plus KYC of the partners or directors |
| Qualification & registration | Degree and medical council registration certificates | Registration documents (partnership deed, LLP agreement or MoA & AoA), GST registration, and the doctors’ registration certificates |
| Income | Income Tax Returns, usually for the last 2–3 years | Business ITRs and audited financial statements, usually for the last 2–3 years |
| Banking | Bank statements, usually for the last 6–12 months | Business bank statements, usually for the last 6–12 months |
| Project | Equipment quotations and proof of premises (ownership or lease) | Equipment quotations, proof of premises and the project report (we prepare this) |
Each lender sets its own criteria. Eligibility also depends on your credit profile, experience, repayment capacity and project viability.
How It Works
-
Understand your need
We look at your project, funding requirement and profile, and structure the proposal.
-
Prepare the loan file
Project report, CMA data, projections and all supporting documents, checked with you.
-
Choose the lender & apply
We shortlist the bank or NBFC best suited to your profile and submit the application.
-
Sanction to disbursal
We coordinate with the lender, handle queries and compliances, and follow up until disbursal.
Typically 30–40 working days from a complete application, depending on the lender and the proposal.
EMI Calculator
Enter your equipment or project cost to see an indicative monthly EMI.
Monthly EMI
—
- Loan amount
- —
- Total interest
- —
- Total payable
- —
EMI at other rates
Indicative only. The actual interest rate, tenure and your required contribution are set by the lender.
Strategic Health Care Finance Solutions
Capital beyond conventional lending, for healthcare businesses raising money to grow, acquire, bring in a partner or move towards the public markets.
Equity Finance
Raising capital from investors by offering an ownership stake, funding large-scale expansion without relying entirely on debt.
Private Equity / Investor Funding
Connecting eligible businesses with private or institutional investors for growth capital, expansion or acquisitions.
IPO & Capital Market Advisory
IPO readiness, financial structuring, business planning, valuation support and advisor coordination.
Pre-IPO Funding
Capital raising ahead of a future IPO, funding expansion and strengthening the financial profile.
Healthcare Business Acquisition Finance
Financing to acquire hospitals, diagnostic centres, clinics, pharmacies or complementary healthcare assets.
Mergers & Acquisitions (M&A) Advisory
Identifying opportunities, evaluating feasibility, structuring the transaction and coordinating the professionals involved.
Strategic Investor / Partner Funding
Partners who bring technology, expertise and market access alongside capital.
Healthcare Finance FAQs
We work closely with leading banks and NBFCs to identify the most suitable financing option, assist with documentation, prepare the application, and support the client throughout the loan approval and disbursement process.
Yes. We have established relationships with multiple banks and NBFCs to facilitate financing solutions for our clients. We operate within the applicable regulatory framework.
We assist all types of healthcare businesses, including:
- New clinics and diagnostic centres
- Existing hospitals and laboratories
- Business expansion
- Equipment purchases
- Working capital requirements
- Practice acquisition and modernization
We arrange finance based on the client's profile and business requirements, including:
- Hospital Loans
- Diagnostic Lab Loans
- Medical Equipment Loans
- Working Capital Finance
- Business Expansion Loans
- Loan Against Property
- Debt Restructuring
- Government Scheme Loans
- Term Loans
Yes. We prepare professional Project Reports, CMA Data, financial projections, and all supporting documents required by banks and financial institutions.
Typically 30–40 working days from a complete application, depending on the lender, the complexity of the proposal, and timely submission of documents by the client.
Some common reasons include:
- Low credit score
- Weak project viability
- High existing debt obligations
- Insufficient collateral (especially for greenfield projects)
- Incomplete or inconsistent financial documentation
Yes. We assist eligible businesses in securing finance under various government schemes on a case-by-case basis, including:
- CGTMSE
- MSME Loans
- Stand-Up India
- PMEGP
- Other applicable Central and State Government schemes
Yes. When leasing offers better cash flow management, lower upfront investment, tax advantages, or flexibility to upgrade equipment, we help clients evaluate leasing versus purchasing and recommend the most suitable option.
We have experience working with leading financial institutions, including:
- HDFC Bank
- Bank of Baroda
- Indian Overseas Bank
- Vivriti Capital
- Yubi
And several other leading banks and NBFCs, depending on the client's eligibility and funding requirements.
Some of our successful transactions include:
- ₹2 Crore CGTMSE Loan approved within 4 weeks.
- Multiple healthcare, diagnostic laboratory, and MSME financing solutions successfully arranged across different sectors.
- Customized funding solutions for business expansion, equipment purchase, and working capital requirements.
Many businesses estimate future revenue unrealistically and choose a loan that doesn't match their repayment capacity. We help structure finance based on practical cash flows so repayments remain comfortable.
We provide end-to-end financial consultancy for:
- Hospital Loans
- Diagnostic Laboratory Loans
- Medical Equipment Finance
- Clinic Setup & Expansion Loans
- Working Capital Finance
- Loan Against Property
- Professional Loans
- Government Scheme Loans (CGTMSE, Stand-Up India, MSME, PMEGP, etc.)
- Debt Restructuring
- Customized Funding Solutions
- Doctors
- Dentists
- Diagnostic Laboratory Owners
- Hospitals
- Healthcare Professionals
We follow a transparent and systematic approach:
- Understand your funding requirement
- Structure the proposal based on your business needs
- Identify the most suitable bank or NBFC
- Discuss the proposal with both the client and lender
- Collect and verify all required documents
- Submit the loan application
- Coordinate with the lender during processing
- Provide regular updates to keep you informed
- Assist with any additional documentation
- Obtain loan sanction
- Complete all bank compliances
- Facilitate loan disbursement directly to your account
Most loan applications are completed in 30–40 working days from a complete application, depending on:
- Timely submission of documents
- Project complexity
- Bank processing timelines
- Credit evaluation
Eligibility differs from one bank to another and depends on factors such as:
- Credit profile
- Business experience
- Financial performance
- Project viability
- Repayment capacity
- Available security (where applicable)
Our experts help identify the lender best suited to your profile, improving the likelihood of a successful outcome.
Yes. Many banks and NBFCs offer professional loans to newly qualified doctors, based mainly on their degree and medical council registration. The amount and terms depend on the lender, your income and your credit history. We help you find the lenders that work with early-career doctors and prepare your application.
The exact list depends on the lender and the loan type. Lenders commonly ask for:
- KYC documents (identity and address proof)
- Qualification and registration certificates
- Income Tax Returns (ITRs)
- Bank statements
- Quotations for the equipment to be purchased
- Proof of the premises (ownership or lease)
We collect and verify the documents with you before the application is submitted.
Many professionals delay expansion because of limited capital or uncertainty about funding options.
Our role is to help you:
- Preserve your working capital
- Avoid investing all your personal savings upfront
- Structure finance based on your future income potential
- Select the most suitable bank or NBFC
- Save valuable time and effort
- Receive expert guidance throughout the process
You take care of your profession. We take care of your finance.
Our Blogs
View All
Medical Research
India's Research Potential vs. Global Standards
India ranks 4th in global research output yet contributes just 2.7% of clinical trials — a data-backed look at the gap and the path to leadership.
Read more
Healthcare Marketing
Why Marketing Is Essential for a Successful Diagnostic Laboratory
Quality equipment alone won't grow a lab. See why consistent marketing — education, trust and local visibility — drives patient footfall and growth.
Read more
Budget Plan
How to Set Up a Small Diagnostic Laboratory with a ₹10 Lakh Budget
A practical ₹10 lakh budget plan — from space, interiors and branding to licensing, reserves and equipment — with a full cost breakdown.
Read more
.webp)
Ready to Build Your Laboratory, Diagnostic Centre or Hospital?
Expert consultancy for planning, finance, equipment, licensing, and operational support.