Who healthcare business finance is for

We connect UK healthcare organisations and incorporated businesses with sector-experienced finance partners, including:

• GP practices and primary care networks (PCNs)
• Dental practices (NHS, mixed and private)
• Pharmacies and dispensing practices
• Private clinics (aesthetics, dermatology, ophthalmology, orthopaedics, diagnostics, fertility, imaging)
• Physiotherapy, chiropractic and allied health providers
• Care homes and domiciliary care providers
• Veterinary practices and labs
• NHS suppliers and healthcare manufacturers/distributors
• Health tech and digital health SMEs

Healthcare finance options we can connect you with

Every provider and practice is different. Our panel includes brokers and lenders who arrange a wide range of solutions. Terms and availability vary by lender and status.

Unsecured business loans

• Working capital for payroll, consumables, utilities, marketing or growth projects
• Typical terms: 3–60 months with fixed monthly repayments
• Director guarantees may be requested. Rates and amounts depend on turnover, credit profile and sector specifics.

Asset and equipment finance

• Acquire or refinance medical equipment: imaging (ultrasound, X‑ray), endoscopy, dental chairs, sterilisation units, lab analysers, pharmacy automation, IT/EMR
• Options: hire purchase, lease, refinance of owned assets
• Potential benefits: preserve cash, align payments with equipment life, potential tax efficiencies (speak to your accountant)

Invoice finance for healthcare

• Release cash from invoices to NHS trusts, private insurers and corporate clients
• Options: factoring, confidential invoice discounting, selective invoice finance
• Reduce debtor days and stabilise cash flow where payment cycles are lengthy

Commercial mortgages and practice purchase loans

• Buy, refinance or release equity from practice premises or care homes
• Support mergers, partner buy-ins/buy-outs or acquisitions
• Security over property is typically required; independent valuation applies

Refurbishment and fit-out finance

• Fund surgery/clinic refurbishment, theatre upgrades, CQC-compliant fit-outs, decontamination rooms, accessibility works
• May be structured as unsecured loans, asset finance (for fixtures/equipment) or property-backed solutions

Vehicle and fleet finance

• Finance accessible vehicles, community transport, mobile clinics or delivery vans
• Hire purchase, lease or contract hire options

VAT and tax funding

• Spread VAT bills and corporation tax to ease quarter-end pressure
• Short-term revolving or fixed-term facilities, subject to status

Merchant cash advance (for card-taking clinics)

• Flexible repayments linked to card takings
• Useful for private clinics with seasonality in card revenue
• Not suitable for businesses with minimal card turnover

Bridging and development finance

• Short-term property finance for time-sensitive purchases or refurbishment projects
• Defined exit strategy required (e.g. refinance or sale)

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Common uses of healthcare business loans

• Purchasing diagnostic, dental or surgical equipment
• Practice expansion, new treatment rooms or additional sites
• Fit-out and compliance works (CQC, HTM, infection control)
• Hiring clinicians and support staff; managing payroll gaps
• Buying a practice, partner buy-in or refinancing existing partners
• Stock and consumables, including pharmacy inventory
• Digital upgrades: EMR/EHR, telehealth, cybersecurity and IT infrastructure
• Marketing and patient acquisition campaigns
• Smoothing cash flow while awaiting NHS or insurer payments
• VAT, tax and insurance premiums (subject to lender criteria)

How Fast Business Loans works

1. Complete a quick enquiry
   Tell us about your business and funding needs. It takes less than 2 minutes.
2. We match you with a suitable partner
   We introduce you to a UK broker or lender who understands healthcare and fits your requirements.
3. Receive a rapid response
   A finance professional will contact you to discuss options and, where possible, provide an initial indication.
4. Compare, decide and fund
   Review your personalised options with no pressure to proceed. If you move forward, your chosen broker/lender completes underwriting and funding.

Start Your Enquiry — Free and No Obligation

Eligibility: what lenders typically look for

Eligibility varies by product and provider. Generally, healthcare-focused lenders consider:

• Time trading and turnover (newly incorporated practices may be considered by some partners)
• Profitability and bank statements (recent 3–6 months)
• Credit profile of the business and directors
• Security available (for secured loans/equipment or property finance)
• CQC/CIW/HIS/HIW registration and compliance history (where relevant)
• Existing debt and affordability
• Contract mix (NHS vs private), insurance panel status, payer concentration
• For invoice finance: debtor quality, assignment ability and payment history
• For care homes: occupancy levels, ratings and management experience

Documents checklist (you may not need all of these)

• Basic business details and director/owner information
• Last 2 years’ filed accounts (if available)
• Latest management accounts and cash flow forecast
• 3–6 months’ business bank statements
• Aged debtors/creditors (for invoice finance)
• Equipment quotes/specifications (for asset finance)
• Lease, property details and valuation (for secured lending)
• CQC/CIW/HIS/HIW registration and latest report (if applicable)
• ID and address verification
• Existing loan statements (if refinancing)

Rates, fees and terms — what to expect

• All pricing is set by the lender and depends on your business profile, sector, loan size/term, security and credit status.
• Unsecured loans generally cost more than secured lending; asset-backed and property-backed facilities may offer lower rates, subject to valuation and underwriting.
• Fees may include arrangement, valuation, legal or broker fees; your broker/lender will provide a personalised illustration and explain total costs before you commit.
• Early repayment options vary by product — always check terms.

Important: We don’t lend money and we don’t provide financial advice. Any finance is subject to status, affordability and lender approval.

Get a Personalised Quote — Free Eligibility Check

Why choose Fast Business Loans for healthcare finance?

Sector-aware matching

We connect you with brokers and lenders experienced in healthcare — from dentistry and pharmacies to care homes and private clinics.

Fast and simple

A short enquiry gets you to the right people quickly. No chasing around or repeating your story.

No obligation, free to use

It costs you nothing to be introduced, and you decide if any option is right for you.

Reputable UK partners

We work with a panel of UK-based brokers and lenders with strong service track records.

Secure and transparent

Your details are handled securely and shared only with relevant partners to process your request.

Real-world examples (illustrative only, not offers)

• Dental practice refurbishment
  A two-surgery private practice upgraded decon facilities and chairs using a blend of asset finance and a small top-up unsecured loan. Outcome: preserved cash, spread payments over equipment life.
• Pharmacy stock and VAT
  A community pharmacy smoothed seasonal stock purchases and quarterly VAT using a revolving working capital facility. Outcome: steadier cash flow, fewer supplier pressures.
• Care home compliance works
  An operator funded fire safety and accessibility upgrades through a property-backed facility. Outcome: completed works promptly, protected regulatory standing.

Results vary. Any funding is subject to status, valuation (if applicable) and lender approval.

Start Your Enquiry — Speak to a Healthcare Finance Specialist

FAQs — Healthcare business loans

Is Fast Business Loans a lender?

No. We’re an introducer. We connect UK businesses with trusted brokers and lenders. There’s no cost to submit an enquiry.

Will my enquiry affect my credit score?

No. Enquiring with us won’t affect your credit score. If you choose to proceed, a broker/lender may run credit checks as part of their assessment.

How quickly could I get funds?

Some unsecured facilities can complete within days after full documents are provided. Asset-backed and property loans typically take longer due to valuations and legal work. Timelines vary by product and provider.

What loan amounts are available?

Partners on our panel can consider from around £10,000 up to £5 million+ depending on circumstances, security and lender appetite.

Can start-ups or newly incorporated clinics apply?

Some partners can consider newly incorporated practices, particularly with strong experience, robust plans and contracts. Options may be more limited than for established businesses.

What if I’ve had credit issues?

There may still be options via specialist lenders. Terms and availability depend on your current position and affordability.

Do I need to provide a personal guarantee?

Many unsecured facilities require a director’s guarantee. For secured lending, lenders usually take security over an asset/property; guarantees may still apply.

Is my data secure?

Your details are handled securely and shared only with relevant finance partners to process your enquiry. See our Privacy Policy for full details.

Compliance and important information

• Fast Business Loans is not a lender and does not provide financial advice. We act as an introducer to brokers and lenders.
• All finance is subject to status, affordability checks and lender approval. Terms, conditions and fees apply.
• Enquiring via Fast Business Loans does not affect your credit score; however, brokers/lenders may conduct credit searches if you choose to proceed.
• Consider whether finance is affordable for your business. Late or missed repayments can have serious consequences for your credit status and may result in the repossession of secured assets.
• Information on this page is for general guidance only and does not constitute a recommendation.

Healthcare finance made simple

It takes less than 2 minutes to begin. Share a few details about your healthcare business and what you’re looking to fund. We’ll match you with a single, suitable broker or lender who will contact you to discuss options — with no obligation to proceed.

Get Started — Free Eligibility Check   Get Quote Now — No Obligation