Quick overview & get started

Healthcare businesses face unique funding pressures — capital for expensive medical equipment, delayed NHS or insurer payments, property needs, compliance-related upgrades and fluctuating staffing costs. Fast Business Loans connects clinics, care homes, dental practices and other health providers with specialist lenders and brokers who understand these challenges and can offer relevant finance solutions.

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No obligation | Secure enquiry | No impact on credit score

• Fast matching to sector-savvy lenders
• Free, no-obligation enquiry
• Funding from £10,000 and up

Please note: Fast Business Loans is an introducer. We do not provide loans or regulated financial advice — we match your business with lenders and brokers who can help.

Why healthcare businesses choose Fast Business Loans

Healthcare businesses operate in a regulated, high-cost environment. Whether you manage a private clinic waiting to expand, a care home planning a refurbishment, or a dental surgery needing new imaging equipment, the right finance partner can save time and money.

Fast Business Loans reduces the time-consuming search for suitable finance. We analyse your needs and introduce you to lenders and brokers who specialise in healthcare funding — increasing your chance of a good outcome and cutting out unsuitable options.

What you’ll gain:

• Sector-aware matchmaking — lenders who understand NHS contracts, CQC considerations and insurer payment cycles
• Faster responses — expect contact within hours in many cases
• Choice — compare multiple options without repeating your details to every provider

What finance can healthcare businesses access?

We introduce healthcare businesses to lenders and brokers offering a wide range of finance types tailored to common sector needs. Below are the most common options.

Unsecured healthcare loans

Suitable for working capital and short-term cashflow gaps. These loans can provide quick access to funds without using property as security, typically for amounts starting at £10,000.

Asset & equipment finance

For diagnostic machines, dental chairs, imaging equipment, and practice IT. Asset finance preserves cashflow by spreading payments and can include hire purchase, leasing or refinance of existing equipment.

Commercial mortgages & property finance

Purchasing or refinancing clinics, pharmacies or care home premises. Lenders consider the income profile and projected returns from the property.

Invoice & insurance receivables finance

Unlock cash tied up in invoices or insurance/NHS receivables. Useful where payment terms are long or delayed.

Refinancing & consolidation

Combine multiple facilities into a single arrangement to reduce monthly cost or improve terms. A common route for practices seeking predictable cashflow.

Typical use cases include equipment upgrades, practice expansion, bridging delayed contract payments, staff recruitment and refurbishment works.

Check Your Options in Minutes – No Credit Impact

How our healthcare funding matchmaking works

1. Complete a short enquiry form. Tell us about your business, funding need and contact details. It takes under 2 minutes.
2. We match your request. We identify lenders and brokers in our panel who specialise in healthcare and the specific finance type you need.
3. Receive responses. You’ll be contacted by matched partners to discuss terms and next steps. This is usually by phone or email.
4. Compare and decide. Choose an offer and proceed directly with the lender or broker. There’s no obligation to accept any offer.

How long will it take? Many businesses hear back within hours; more complex enquiries may take longer. Our introductions are free — lenders set fees and terms if you proceed.

Will applying affect my credit score? Submitting an enquiry through Fast Business Loans does not affect your credit score. Lenders may carry out credit checks only at the point you apply directly with them.

Who we help in the health & care sector

We match a broad range of healthcare businesses with the right finance partners. Examples include:

Private clinics & GP practices

• Equipment upgrades and premises expansion
• Working capital to cover seasonal or contract-related shortfalls

Dental and orthodontic surgeries

• Imaging and chair finance, fit-out loans and practice acquisitions

Physiotherapy & allied health services

• Equipment, vehicle or premises finance to support growing caseloads

Care homes & domiciliary care providers

• Refurbishment, regulatory upgrades and working capital while awaiting placements or payments

Pharmacies and medical supply SMEs

• Stock financing, working capital and expansion loans

For a broad sector overview and more detailed guidance, see our dedicated page on healthcare business loans.

Typical funding scenarios

Eligibility, documents & application tips

Minimum requirements

• Limited companies, partnerships and small healthcare businesses (not sole traders)
• Typical minimum loan amount: £10,000
• Lenders consider turnover, years trading and the nature of contracts or income

Documents checklist

• Latest management accounts or 12 months’ business bank statements
• Details of the funding purpose and cost estimates (e.g. equipment quotes)
• Proof of business registration and key contracts (NHS, insurers)
• Regulatory/compliance evidence (e.g. CQC rating if applicable)

Top tips to improve approval chances

• Prepare a clear use-of-funds summary and cashflow forecast
• Gather recent accounts and explain any dips in revenue
• Be upfront about adverse credit or previous insolvency — many specialist lenders can still consider applications

Share your details – We’ll match you with sector specialists

Key features at a glance

• Amounts: from £10,000 to multi-million pound facilities depending on lender
• Terms: short-term bridging to long-term property finance (months to 10+ years)
• Security: unsecured options exist; secured facilities may require business or property security
• Response time: often same day to a few days depending on complexity

Important: Rates and terms are set by lenders. Fast Business Loans acts as an introducer and does not lend or give regulated financial advice. All finance is subject to status and lender criteria.

Why healthcare providers trust our partners

Our panel includes brokers and lenders experienced in medical and care-sector funding. They understand clinical procurement cycles, compliance requirements and the cashflow patterns unique to healthcare. We prioritise transparent communications and only share your enquiry with partners suited to your needs.

Data security: enquiries are handled securely and only shared with partners relevant to your request.

Success snapshots

Private GP clinic: Secured £250,000 asset finance to refurbish premises and purchase diagnostic equipment. Result: clinic increased capacity and reduced monthly outgoings by restructuring an existing loan.

Dental practice: £45,000 equipment lease for an imaging suite. Result: minimal upfront cost and spread repayments aligned to patient income.

FAQs on healthcare business finance

Are you a direct lender?

No — we introduce your business to lenders and brokers. You deal directly with those providers for any application and terms.

What interest rates might healthcare loans carry?

Rates vary by lender, facility type, security and business circumstances. We arrange introductions so you can compare realistic options for your situation.

Can new healthcare practices apply?

Start-ups and newer practices may be eligible for some finance types, particularly asset finance or specialist start-up facilities. Lenders assess each case individually.

Do you support businesses with past credit issues?

Yes — our panel includes specialists who consider applicants with adverse credit, though terms differ and may be more expensive.

How fast can funds be released?

Simple unsecured loans or asset finance can sometimes be completed within days; property and refinance cases typically take longer. Your matched lender will advise expected timelines.

Will Fast Business Loans charge me?

Our service is free for businesses submitting an enquiry. Any fees are set by the lender or broker you choose to work with and will be disclosed by them.

Do lenders require personal guarantees?

Some lenders may request personal guarantees or security depending on the facility and risk profile. This will be made clear in lender terms.

What if we decide not to proceed?

There’s no obligation to accept any offer after being introduced. You can decline and explore other options without cost from Fast Business Loans.

Ready to explore healthcare finance?

Submit a quick enquiry and let us match you with lenders and brokers who understand the healthcare sector. It takes less than two minutes to get a free eligibility check — secure, no obligation and no impact on your credit score.

Start Your Healthcare Funding Enquiry Now
No obligation | Secure enquiry | Typical response same day

Disclaimer: Fast Business Loans is an introducer and does not provide loans or regulated financial advice. All finance offers are subject to lender criteria and status. We recommend you review lender terms carefully and seek independent professional advice if needed.