Why use UK Business Loans for healthcare finance?

• Sector‑savvy partners: Get connected with brokers and lenders who understand NHS/private revenue models, CQC requirements and practice acquisition funding.
• Fast, simple matching: Complete a short enquiry; suitable partners get in touch — often within hours.
• Free and no‑obligation: It costs nothing to enquire. Compare options and only proceed if it’s right for you.
• Flexible options: Unsecured and secured loans, revolving credit, equipment and asset finance, invoice finance, commercial mortgages and more.
• Nationwide coverage: England, Scotland, Wales and Northern Ireland.
• Trusted network: We introduce only to reputable UK brokers and lenders who treat customers fairly and provide clear information.

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Your details are only shared with relevant, approved partners for your enquiry.

What healthcare business loans can be used for

• Medical and dental equipment: Imaging, chairs, scanners, autoclaves, lab kit, point‑of‑care testing, digital X‑ray, IT and software.
• Refurbishments and fit‑outs: CQC compliance works, accessibility upgrades, reception and treatment areas, decontamination rooms.
• Practice acquisition or partner buy‑ins: Buying or buying into GP, dental, pharmacy, optical or therapy practices; management buyouts.
• Working capital and cash flow: Cover staff costs, insurance, utilities, consumables and wholesalers; manage seasonality.
• Recruitment and training: Clinicians, carers, locums, admin, compliance and CPD investment.
• Property and premises: Commercial mortgages, lease premiums, relocation, clinic expansion or additional sites.
• NHS/private contract bridging: Smooth cash flow around delayed reimbursements or contract payments.
• Vehicles and logistics: Home‑care fleets, pharmacy delivery vehicles, community nursing.
• Tax/VAT: Spread lump‑sum liabilities to protect cash flow.
• Sustainability upgrades: Energy efficiency, HVAC, LED, solar to reduce running costs.

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Types of healthcare finance we can connect you with

Unsecured business loans

• Typical uses: Working capital, small refurbishments, marketing, staffing.
• Key features: Fixed terms (e.g., 6–72 months), fast decisions, no collateral required. Personal guarantees may be requested. Rates and terms vary and depend on status and affordability.

Secured business loans

• Typical uses: Larger projects, consolidations, acquisitions.
• Key features: Security against property or business assets can reduce cost. Terms vary by lender and security profile.

Asset and equipment finance

• Typical uses: Medical imaging, dental chairs, lab equipment, IT and software.
• Key features: Hire purchase, finance lease, operating lease. Often aligned with equipment life; supplier quotes help speed approvals.

Invoice finance (NHS or private)

• Typical uses: Release funds against invoices to NHS bodies, insurers or corporate clients.
• Key features: Confidential invoice discounting or factoring. Facilities sized to your ledger; availability depends on debtor quality and contractual arrangements.

Revolving credit facilities

• Typical uses: Flexible drawdowns for short‑term working capital gaps.
• Key features: Only pay for what you use. Limits and pricing based on trading history and affordability.

Commercial mortgages and property finance

• Typical uses: Buying a practice, surgery or care home; refinancing; releasing equity for expansion.
• Key features: Longer terms available than standard loans. Valuation, legals and due diligence apply.

Bridging and short‑term finance

• Typical uses: Time‑sensitive acquisitions, auction purchases, quick refurbishments pending refinance.
• Key features: Short terms; a clear exit strategy is required.

Specialist tax/VAT loans

• Typical uses: Spread quarterly VAT or annual tax liabilities to protect working capital.
• Key features: Fixed terms aligned to liability schedules.

All finance is subject to status, affordability and lender criteria. Rates, fees and terms vary. No guarantee of approval. Any examples are illustrative only.

Who we help in healthcare

• Care homes and domiciliary care providers
• Dental practices and dental labs
• GP practices and private clinics
• Pharmacies and online pharmacies
• Optical practices (opticians/optometrists)
• Physiotherapy, chiropractic and allied health clinics
• Medical aesthetics and dermatology clinics
• Diagnostics, imaging and community health providers
• Veterinary practices (closely aligned to healthcare asset funding)

If you run a UK healthcare business, we can introduce you to partners who understand your model.

Eligibility and what lenders look for

• Business profile: UK‑based limited companies, LLPs and partnerships in the healthcare sector.
• Trading history: Start‑ups and established practices considered. Start‑ups may need stronger business plans, projections and security.
• Revenue mix: NHS vs private income, contract stability and payer quality.
• Financials: Recent accounts, management information and bank statements; affordability and cash flow.
• Compliance: CQC registration (where applicable), professional qualifications, insurance and indemnities.
• Security and guarantees: Personal guarantees or asset security may be requested depending on the facility.
• Credit profile: Imperfect credit can be considered by some lenders; pricing and structure may differ.

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Answer a few questions; we’ll match you with relevant lenders/brokers.

Typical documents for a fast decision

• Basic details: Company info, director/partner details, contact information.
• Financials: Last 12–24 months’ accounts, recent bank statements, management accounts.
• Contracts: NHS contract schedules, key private contracts or insurer agreements (if applicable).
• Compliance: CQC registration and inspection status (where relevant); professional registrations.
• Asset quotes: Supplier quotes/spec sheets for equipment finance.
• Property: Lease/mortgage info, property details for secured lending or commercial mortgages.
• For acquisitions: CVs, business plan, forecasts, heads of terms, valuation.

Timelines and costs — what to expect

• Indicative timelines: Some unsecured and asset finance decisions can be made within 24–72 hours once documents are received; property‑backed lending and acquisitions typically take longer due to valuation and legal work.
• Pricing and fees: Rates and fees vary by product, security and credit profile. You will receive personalised terms from the lender or broker. Using UK Business Loans is free for business owners; we may receive a commission from partners if you proceed. There’s no obligation to accept any offer.

How UK Business Loans works

1. Complete a quick enquiry form
   Provide a few details about your business and funding need. Takes under 2 minutes.
2. We match you with trusted UK lenders and brokers
   Partners are selected based on your sector, business profile and requirements.
3. Receive fast responses
   Expect a call or email — often within hours — to discuss options and documents needed.
4. Compare and choose
   Review offers from multiple partners and pick the best fit for your business. No pressure to proceed.

Free Eligibility Check
Your enquiry won’t affect your credit score. Partners may conduct checks if you choose to proceed with an application.

Healthcare sector use cases we see every day

Care homes

• Finance refurbishments to meet CQC standards and improve occupancy.
• Smooth cash flow between local authority fee payments.
• Fund acquisitions or extensions.

Dental practices

• Chair, imaging and sterilisation equipment on asset finance.
• Practice purchase or partner buy‑in with secured lending or commercial mortgage.
• Short‑term working capital for staffing and materials.

GP practices and private clinics

• Fit‑out of consulting rooms and diagnostic suites.
• Bridge delays in NHS reimbursements or private insurer settlements.
• IT systems, EHR and telehealth upgrades.

Pharmacies

• Wholesaler payments and stock finance.
• Delivery vehicles and automation equipment.
• Store refits and new branch acquisitions.

Allied health and specialists

• Rehab equipment, treatment couches and diagnostic tools.
• New locations or expanded services.
• Marketing and patient acquisition campaigns.

We only introduce you to reputable UK brokers and lenders who treat customers fairly. Clear, fair and not misleading — that’s our promise for all promotions and content.

Frequently asked questions

Is UK Business Loans a lender for healthcare businesses?

No. We’re an introducer. We connect you with trusted UK brokers and lenders who provide finance directly.

Does it cost to use UK Business Loans?

No. Our service is free for UK business owners. We may receive a commission from partners if you proceed — this doesn’t affect the offers you receive.

Will my enquiry affect my credit score?

No. Submitting an enquiry won’t affect your credit score. If you choose to proceed, partners may run credit and affordability checks.

How quickly can healthcare businesses get funding?

Some unsecured or asset finance decisions can be made within 24–72 hours after documents are supplied. Property‑backed and acquisition finance usually take longer due to valuations and legal processes.

What loan amounts are available?

Partners in our network consider facilities from around £10,000 up to £5 million+ depending on product, security and business profile.

Can start‑ups or newly qualified practitioners apply?

Yes. Start‑ups and new owners can be considered, usually with a robust business plan, projections and, in some cases, security or guarantees.

Can you help if I have imperfect credit?

Potentially. Some lenders specialise in supporting businesses with adverse credit. Pricing and structure may differ, and affordability remains essential.

Do you finance medical and dental equipment?

Yes. Many partners offer asset and equipment finance tailored to healthcare, based on supplier quotes and equipment life.

Are personal guarantees required?

They may be requested, especially for unsecured facilities. The requirement depends on the lender, product and risk profile.

Do you cover all of the UK?

Yes. We introduce healthcare businesses across England, Scotland, Wales and Northern Ireland.

Get your healthcare finance options today

Take 2 minutes to complete a free eligibility check. We’ll introduce you to suitable lenders and brokers who understand healthcare and can provide tailored quotes. No obligation to proceed.

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Compliance and transparency statement

• UK Business Loans is not a lender and does not provide financial advice. We act solely as an introducer to UK‑based brokers and lenders.
• We aim for all promotions to be clear, fair and not misleading. Partners treat customers fairly and provide adequate information so you can make informed decisions.
• Finance is subject to status, affordability and lender criteria. Rates and terms vary. No guarantees of approval.
• Your details are only shared with relevant, approved partners for your enquiry. Please see our privacy policy for how we handle your data.