ISCOVER
From a career in banking to reshaping medical finance and securing a $100m a month through MedX Finance, we caught up with the founding partner Todd O’Reilly to learn what it takes to build a brokerage that has scaled so rapidly.
Todd O’Reilly, Founding Partner at MedX Finance: From banking to securing a $100m a month through MedX Finance, Todd O’Reilly breaks down his story below.
How did you start down this career path?
After decades inside the banking system, I realised my clients needed more. More flexibility, more transparency, and solutions truly customised to both their short and long-term ambitions. As a business owner myself, I understood how critical the right finance structure, lender, and timing could be. Finance isn’t just a transaction; it’s a strategic tool to unlock growth, support cash flow, and safeguard the future. That realisation led me into broking. Helping clients across every stage of their borrowing journey, not just where the bank could assist, was too good an opportunity to pass up.
What inspires you in your role/industry? Why?
Helping clients and solving complex problems has always been my biggest driver. Many of my commercial clients have been with me for over 15 years. I’ve supported them from startup through growth, maturity, and in many cases, successful exits. I bring deep experience in commercial lending and thrive on navigating everything from property purchases to complex development deals, the more intricate, the better. I’m obsessed with getting it right from the start: structuring finance around long-term strategy, not just short-term needs. As a Founding Partner, I’m equally passionate about building a business that solves real problems and fosters a culture where great people do great work whilst empowering the next generation of brokers to do the same.
What's your approach to customer service that separates you from the rest?
Client-first thinking has always been the foundation of my career. For medical professionals, the right financial structure can shape everything from practice growth to long-term wealth. I take time to understand each client’s context, create strategic plans, and execute with speed and precision. My clients are time-poor, so I’ve built a reputation around accessibility and responsiveness. I learnt early on that the 9–5 mindset doesn’t work in this industry. I work around my clients’ schedules, odd hours, late nights, whatever’s needed to ensure a seamless experience. At MedX Finance, it’s never about volume of deals; it’s about the value we create over the length of our clients’ careers.
How do you innovate and stay ahead of industry trends?
At MedX Finance, innovation is part of our DNA. We constantly challenge how we work, reviewing processes, refining systems, and finding new ways to create value. We don’t chase trends; we stay focused on delivering smarter, more efficient outcomes for our clients. That said, it’s an important question in a time where technology, AI, and new tools are everywhere. Our lens is clear: any innovation must deliver a three-way win. It has to benefit the client, work for the business, and strengthen relationships with our lenders and our partners.
What is the toughest challenge you've faced in your role? How did you overcome it?
I don’t really dwell on challenges, I tend to see opportunity in most things. But if I had to call one out, it would be scaling MedX Finance to write over $100 million a month in lending while preserving the culture that makes us different. We’ve done that by being deliberate with who we bring into the business: great people, aligned values, and no egos.
MedX Finance is a broker on a mission to unlock the potential of the Australian medical community through customer first and fully customised, financial solutions. Combining decades of experience in the healthcare finance sector, with unrivalled relationships across a broad range of lenders and a collection of top talent, we have the ability, resource and access to customise financial solutions that meet the ambitions of our clients.
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