Private physiotherapy practices, sports therapy centers, rehabilitation clinics. Equipment finance, expansion to new locations, acquisition of practices, working capital for marketing and staffing.
Chiropractic clinics, osteopathy practices, spinal health centers. Treatment tables, diagnostic equipment, clinic fit-outs, multi-practitioner setups, practice acquisitions.
Botox and filler clinics, laser treatment centers, skin clinics, medical aesthetics. Laser equipment, IPL machines, clinic refurbishments, marketing campaigns, expansion funding.
Counseling centers, therapy practices, psychologist offices, mental health clinics. Office fit-outs, practice management software, expansion to larger premises, working capital.
Acupuncture clinics, massage therapy studios, holistic health centers, naturopathy practices. Equipment, fit-outs, expansion, acquisition of complementary practices.
Ultrasound clinics, blood testing services, health screening centers. Diagnostic equipment, mobile units, clinic setups, expansion to new locations.
£5k - £200k
Treatment tables, diagnostic equipment, laser machines, ultrasound machines, X-ray equipment, rehabilitation equipment. Asset finance spread over 1 to 5 years.
£10k - £150k
New clinic setup, existing clinic refurbishment, reception areas, treatment rooms, waiting areas. Create professional spaces that attract private patients.
£50k - £500k
Buy an existing clinic, purchase a practice from retiring practitioner, acquire patient lists. Finance structured against existing revenue streams.
£20k - £250k
Open additional locations, add new treatment rooms, expand service offerings, hire additional practitioners. Grow your practice systematically.
£10k - £100k
Marketing campaigns, staff recruitment, inventory for aesthetic clinics, cover cashflow gaps, fund seasonal fluctuations in patient volumes.
£5k - £50k
Practice management systems, electronic health records, booking platforms, telehealth setups. Finance the technology that makes your clinic run efficiently.
High street banks treat healthcare practices like any other small business. They do not understand the specific revenue models, professional indemnity requirements, regulatory context, or equipment needs. They see medical equipment as high-risk assets with limited resale value.
Specialist healthcare lenders fund thousands of medical practices annually. They understand that aesthetic equipment holds value, that physiotherapy practices have predictable revenue streams, that mental health services scale through reputation. They structure deals that match how healthcare businesses actually operate.
An aesthetic clinic needed £85k for two new laser machines to expand their treatment menu. Their bank declined because they were only 2 years old and the bank did not understand laser equipment values. A specialist medical equipment lender approved it in 36 hours at 9.5% over 4 years, secured against the equipment. The new treatments generated £4k monthly revenue, paying for the finance and adding £30k+ annual profit.
Lenders want to see proper professional credentials. Registered with relevant bodies (HCPC, GPhC, GMC, NMC depending on profession), valid practicing certificates, professional indemnity insurance. This reduces risk from their perspective.
Most lenders require 6 to 12 months trading for working capital or unsecured loans. For secured equipment finance, some lenders will consider newly qualified practitioners if there is a solid business plan and patient pipeline. Acquiring an existing practice can work with minimal trading history if the practice being acquired has strong history.
Healthcare practices often have high revenue per practitioner but limited scalability. Lenders assess you on revenue per practitioner, patient retention rates, private vs NHS income split (private is preferred as more predictable), appointment booking levels. Profit margins matter less than consistent revenue.
Directors provide personal guarantees. Healthcare professionals typically have good credit profiles, which helps. Historical credit issues from student days or early career challenges are usually acceptable if recent conduct is clean and explainable.
Equipment purchases are straightforward. Aesthetic equipment, physiotherapy tables, diagnostic machines all have clear value propositions. Working capital needs more justification: what are you funding, how does it generate ROI, what is the timeline. Marketing spend for private practices is generally viewed positively if there is a clear strategy.
If you are buying specific medical equipment (lasers, diagnostic machines, treatment tables, ultrasound equipment), asset finance is usually the best route. The equipment secures the loan, rates are competitive (6% to 12% typically), terms up to 5 years spread the cost. Many lenders finance 100% of equipment cost for established practices.
For clinic fit-outs, marketing campaigns, working capital, staff recruitment, or general expansion where there is no specific asset to secure against, unsecured business loans are more flexible. Rates are higher (8% to 40%+ depending on profile) but you preserve assets and get faster decisions. Terms from 3 months to 5 years depending on amount and lender.
Many clinic expansion projects use both. Equipment finance for the specific machines, unsecured loan for the fit-out and working capital. This optimizes your overall cost of capital while funding the complete project.
You have just qualified, want to start your own practice rather than work employed. Need £15k to £40k for basic setup (treatment room fit-out, initial equipment, marketing, working capital buffer). Some lenders will support this with a strong business plan even with no trading history. Expect higher rates or personal assets as security.
You have been running successfully for 2+ years, patient demand is strong, you need to add capacity. £30k to £100k for additional treatment rooms, more equipment, hiring associate practitioners. Lenders view this favorably as you are funding growth from proven demand.
You want to acquire an existing practice from someone retiring. £50k to £300k depending on size. Lenders assess the existing practice revenue and your ability to retain patients. Structured as part acquisition loan, part working capital for transition period.
You run an aesthetic clinic and want to add new laser treatments, or you are a physio wanting to add shockwave therapy. £20k to £80k for equipment and training. Lenders like this because you already have the patient base to market new services to.
We start with a discovery call. What are you funding, what does your practice currently do, where do you want to take it. We ask the questions lenders will ask so we can position everything properly from the start.
We then match you with 2 to 4 lenders from our panel who specialize in healthcare finance and are most likely to approve at competitive rates for your specific situation. We help you gather the documents they need (professional credentials, bank statements, practice overview, equipment quotes, whatever applies).
Straightforward equipment finance decisions typically come back in 24 to 48 hours. Larger practice acquisitions or expansion projects take 1 to 3 weeks for full underwriting. Once approved, funds usually arrive within 3 to 7 working days.
LoanLogic connects healthcare practices to specialist medical lenders who understand the sector. We work with 70+ lenders including those who exclusively fund healthcare businesses. Funding from £10k to £500k for equipment, expansion, acquisitions, and working capital.
Founded by Ben, a commercial finance broker with 16 years of experience serving SMEs across South West England. We prioritize finding you the right deal over maximizing our commission.
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