01
Payor mix
Split NHS, insurer and private receipts because each has a different settlement pattern and verification trail.
Healthcare
Capital for healthcare operators.
Funding for dental practices, GP surgeries, private clinics, pharmacies, opticians and care providers. Built for long NHS receivable cycles and capex-heavy growth.
£5k – £5M
Funding range
3 – 24 mo
Repayment terms
File dependent
Review timing
Before choosing funding
Separate dependable income from timing risk
A useful facility should follow the commercial cycle it is paying for. These are the details worth testing before comparing offers.
02
Clinical capacity
Equipment only creates a return when clinicians, rooms and patient demand are available to use it.
03
Regulatory dependencies
Allow for registrations, inspections and fit-out approvals that can delay the revenue start date.
What to prepare
Having these ready makes the first review more useful and reduces avoidable follow-up.
- Revenue split by payor
- Recent bank statements
- Equipment quotation
- Clinician and room utilisation summary
Questions worth asking
Use these to compare the repayment structure with the way your business earns cash.
- 01When can the asset begin producing revenue?
- 02Are maintenance and consumable costs included?
- 03What happens if insurer or NHS receipts arrive late?
Healthcare cash flow rarely matches its capex profile. NHS receivables settle on schedule but rarely on time; private fee income runs through PMI cycles; chairs, scanners and devices need paying for now.
We work with operators across primary care, dental, aesthetic, pharmacy and care. Underwriting reads payor mix, patient list value and forward bookings, not a single bureau score.
Typical use cases
- Surgery refit, chairs, scanners and imaging
- Practice acquisition or partner buy-in
- Equipment for aesthetic and laser treatment
- Pharmacy stock and dispensing capacity
- Care home refurbishment and CQC readiness
- Hiring associates, locums and clinicians
Useful reading
Go deeper before you decide.
Practical guide6 min read
Asset finance UK: hire purchase, leasing and refinance explained
Hire purchase, finance lease, operating lease and asset refinance, how each works, tax treatment, and which suits your business.
Practical guide7 min read
Business expansion loans for growing UK SMEs: sizing, structure and speed
A practical guide to funding UK business expansion: choosing the right structure for the growth thesis, sizing the facility, and getting through underwriting cleanly.
File based
Review timing
£5k–£5M
Facility size
Explained
Search process
Clear
Written terms
Funding most suited to healthcare
Merchant cash advance
Advance against future card receipts. Repay as a small share of daily settlements.
Learn moreRevenue based financing
Repayments calibrated to top-line cash receipts. Eases in quieter months.
Learn moreTerm business loan
Fixed monthly repayments over 3 to 24 months for planned investment.
Learn moreFrequently asked
Do you fund NHS-weighted practices?
Yes. NHS receivable schedules are read into the cash flow view and do not exclude an application.
Can goodwill on a partner buy-in be funded?
Goodwill, equipment and working capital can be packaged into a single facility where the file supports it.
Will CQC status affect eligibility?
A current rating is reviewed alongside trading performance. Recent inspections and improvement plans are factored in, not used as a single gate.
Are aesthetic and cosmetic clinics in scope?
Yes. Aesthetic clinics, cosmetic dentistry and wellness operators are a regular sector for us.
When the bank says no, we take a closer look.
Start with a short initial enquiry. If a credit search is needed later, it will be explained first.
Check eligibility