Wholesale investment backed by an established payments group.
- 11.75–14.75%
- 36 months
- Since 2003
An established healthcare payments ecosystem, open to wholesale investors.
Payon Capital supports the continued growth of an operating group with more than two decades of healthcare payment-plan experience. The investment supports the ongoing provision of eligible payment plans through Payon DentiCare's established practice network.
Market momentum is only half the story. The real opportunity lies in our ability to capture that growth through the Payon DentiCare® payments ecosystem. By leveraging established infrastructure in a market projected to grow from $31.34 billion to $67.07 billion by 2031, we provide investors with a vehicle designed not just to follow trends, but to lead them.
THE INVESTMENT PROCESS
Five steps,
start to finish.
Straightforward and handled directly by the Payon Capital team. Formal documents are issued only after eligibility is confirmed.
Register your interest.
Eligible wholesale investors register through the Payon Capital enquiry form.
Eligibility confirmed.
The Payon Capital team contacts you to confirm your eligibility as a wholesale investor and discuss the opportunity.
Formal documents issued.
Qualified investors receive the Investment Summary, Investment Memorandum and Application Booklet.
Application completed.
Applications are completed through the approved process outlined in the Application Booklet.
Capital deployed.
Accepted capital supports the continued provision of eligible healthcare payment plans across the Payon DentiCare network.
Named, credentialled, reachable.
Payon Capital is led by a senior team with decades of experience across healthcare payments, financial operations, and regulated investment management.
Managing Director
David Cathie
Co-founder of DentiCare® in 2003. Returned to the helm in 2011 as the primary architect of the group’s strategic transformation. Over twenty-four years of executive leadership across healthcare and medical sectors in Australia, New Zealand and Southeast Asia. Graduate Diploma in Business Management.
Director & CFO
Ghafur Barchia
Chartered Accountant. Joined DentiCare® as strategic advisor in 2014, appointed CFO in 2022 and Director of Payon Capital in 2026. Over twenty-five years across accounting, tax, M&A, capital raisings, global funds management and private equity.
Director & Fund Manager
Charles Smith
Joined DentiCare® in 2021. Bachelor of Commerce, majoring in Accounting and Finance. The day-to-day operational lead for Payon Capital — high-level analytical work, complex reporting and strategic governance.
Key Terms
The terms that
matter, in one place.
Full terms, applicable rates, eligibility requirements, fees and risks are contained in the formal investment documents.
Register InterestTargeted Fund Return
11.75%–14.75%
p.a., compounded annually
Rate depends on investment amount. Not guaranteed.
Initial Term
36 months
Extension of up to 24 months at the Fund Manager’s discretion.
Investor Eligibility
Wholesale investors only
Investment Levels
From $100,000
Subject to wholesale-investor eligibility and formal offer terms.
Offer Documentation
IS · IM · Application Booklet
Investment Summary, Investment Memorandum and Application Booklet.
Licence
AFSL & ACL 509400
Held by Payon Capital Pty Ltd ACN 625 146 303.
Disclosure Material
The full picture, in writing.
Three formal documents are issued to qualifying wholesale investors through the eligibility process. None are available for open download — they are issued only after eligibility is confirmed.
Register Interest
Investment Summary
A concise overview of the fund structure, targeted return, key parties, and eligibility. Issued to qualified wholesale investors following a short eligibility call.
Investment Memorandum
The full confidential disclosure document. Covers fund structure, risk factors, fees, the Loan Agreement, General Security Agreement, and governance in detail.
Application Booklet
Pre-addressed and issued alongside the Investment Memorandum on the day you qualify.
Full terms, applicable rates, eligibility requirements, fees and risks are contained in the formal investment documents. This website does not constitute an offer or financial advice.
Questions
Common questions, answered directly.
If you have a question not covered here, register your interest and a member of the Payon Capital team will be in touch.
Register InterestThe opportunity is available only to eligible wholesale investors. The Payon Capital team will confirm the relevant eligibility pathway following your initial enquiry.
The initial investment term is 36 months. Refer to the formal documents for complete terms, including extension provisions.
The Targeted Fund Return is between 11.75% and 14.75% per annum, compounded annually, depending on the investment amount. Targeted returns are not guaranteed.
No. Returns and repayment of capital are not guaranteed. Investment involves risk, including the possible loss of capital. Prospective investors should read the formal investment documents and obtain independent professional advice.
Register your interest and the Payon Capital team will contact you to confirm eligibility and provide the appropriate documents.
Payon Capital
Speak directly with the Payon Capital team.
Register your interest and we will be in touch to confirm eligibility and provide the relevant formal documents. Available to eligible wholesale investors only.
11.75–14.75%
Targeted return p.a.
Compounded annually. Not guaranteed.
36 months
Initial term
Extension at Fund Manager discretion.
From $100k
Minimum investment
Subject to wholesale eligibility.
This information is general information only and does not take into account your objectives, financial situation or needs. The opportunity is available only to eligible wholesale investors. Investment involves risk, including the possible loss of capital. Targeted returns and repayment of capital are not guaranteed. Prospective investors should read the formal investment documents and obtain independent professional advice before making an investment decision.