Your practice finance quotes, in four short steps.
See how much you could borrow, an example rate and the monthly cost from lenders on our panel that fund your profession. Then choose the quotes you'd like, and we approach those lenders for you.
- No credit search to see quotes
- Free to compare
- No obligation
- No documents to start
- Get started
- Your business
- Your details
- Your results
We ask a little more than when you first got your quotes, so lenders see the full picture. Please answer the questions below; your other answers are saved.
Finding your funding options…
We're matching your details with the kinds of funding that suit your business. This won't take long.
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Right now Instant Quotes is for businesses turning over £10,000 a month or more, so we can't match you with lenders today. If your turnover grows, come back and check again.
Your instant quotes
Finance of £25,000 or less for sole traders and small partnerships can be regulated consumer credit. We'll tell you at the outset if that applies to your firm.
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Quotes are indicative, worked out from your answers and each lender's current rates and limits. Your actual offer depends on the lender's own checks. All finance is subject to status.
- No credit score impactGet quotes with no obligation
- 300+ lender relationshipsWe search the whole market
- Specialist supportReal people, every step of the way
- Your data is secureHandled in line with data protection law
Need help choosing?
Our practice finance specialists are here to help.
Talk your quotes through with a specialist and we'll help you find the right funding for your practice.
Or call 01244 267694, Monday to Friday.
“Simon has been fantastic in supporting my business to secure suitable funding across several deals.”
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Frequently asked questions
Why are some amounts different to what I asked for?
Each lender has its own limits, and most look at the amount you want compared with your sales. Short-term lenders usually lend up to about one month's turnover, and longer loans up to about a quarter of your yearly turnover. Profitable professional practices with nothing adverse are quoted the amount they ask for, up to each lender's own limit. Where there are HMRC arrears, missed payments, or a loss the business hasn't yet turned back into profit, amounts stay close to one month's turnover. We show the most each lender is likely to offer on your answers.
Am I guaranteed these amounts and rates?
No. Your quotes are indicative, worked out from your answers and each lender's current rates and limits. The lender confirms the amount and rate after looking at your bank statements and accounts and running its own checks. All finance is subject to status.
What are the types of business loan rate?
Most loans have an annual interest rate. Merchant cash advances and some short-term finance use a factor rate instead: a factor rate of 1.20 means you repay £1.20 for every £1 you borrow. Invoice finance charges a discount rate on what you draw, plus a service fee.
Can I apply with more than one lender?
Yes. Press "Apply" on as many quotes as you like and send your documents once. A broker puts your application to each lender you chose, so you can compare firm offers before anything goes ahead.
What happens when I choose a quote?
You upload your last 3 months of business bank statements and your latest accounts. A broker checks everything, approaches the lender for you and comes back with a firm offer. Nothing goes ahead until you accept.
Will this affect my credit score?
No. Getting your instant quotes does not involve a credit search. Lenders only run their own checks, with your permission, when you go ahead with an application.
What is a personal guarantee?
A personal guarantee is a promise from a director that they will repay the loan if the business can't. Most unsecured business lenders ask for one.
Are you a lender?
No. Professional Practice Loans is a commercial finance brokerage service, not a lender. We search lenders on our panel and the wider market and arrange the finance for you.
Do all lenders fund professional practices?
No. Some lenders only fund certain professions and some don't fund particular professions at all, so we only show quotes from lenders whose criteria include your type of practice.
Some of our
lenders include
Lenders for your profession
Lenders who understand your type of practice.
Every profession is funded differently. Choose yours to see the specialists and other lenders on our panel whose criteria include it, and what you can get quotes for.
Solicitors & Law Firms
WIP, disbursements, PII, partner capital
Specialist lenders for solicitors & law firms
Also quoting for solicitors & law firms
Get quotes for
- Work in progress (WIP) or disbursements
- Cash flow or working capital
- Professional indemnity (PII) premium
- Practising certificates or regulatory fees
- VAT or tax bill, including partners' tax
- Partner or director buy-in
- Partner retirement or buy-out
- Buying a practice
- IT, case management or software
- Refurbishment or fit-out
- Vehicles
- Practice premises
- Hiring fee earners or staff
- Growth, marketing or a new location
- Refinancing or debt consolidation
Accountants & Accountancy Practices
Fee blocks, succession, January cash flow
Specialist lenders for accountants
Also quoting for accountants
Get quotes for
- Work in progress (WIP) or disbursements
- Cash flow or working capital
- Professional indemnity (PII) premium
- Practising certificates or regulatory fees
- VAT or tax bill, including partners' tax
- Partner or director buy-in
- Partner retirement or buy-out
- Buying a fee block or client book
- Buying a practice
- IT or software
- Refurbishment or fit-out
- Vehicles
- Practice premises
- Hiring accountants or staff
- Growth, marketing or a new location
- Refinancing or debt consolidation
Dental Practices
Acquisitions, goodwill, digital equipment
Specialist lenders for dental practices
Also quoting for dental practices
Get quotes for
- Cash flow or working capital
- Professional indemnity (PII) premium
- VAT or tax bill
- Partner or director buy-in
- Partner retirement or buy-out
- Buying a practice
- Dental equipment, scanners or IT
- Refurbishment or fit-out
- Vehicles
- Practice premises
- Recruiting dentists or staff
- Growth, marketing or a new location
- Materials and stock
- Refinancing or debt consolidation
Veterinary Practices
Acquisitions, diagnostics, new branches
Specialist lenders for veterinary practices
Also quoting for veterinary practices
Get quotes for
- Cash flow or working capital
- Professional indemnity (PII) premium
- VAT or tax bill
- Partner or director buy-in
- Partner retirement or buy-out
- Buying a practice
- Veterinary equipment or IT
- Refurbishment or fit-out
- Vehicles
- Practice premises
- Recruiting vets or staff
- Growth, marketing or a new location
- Drugs and stock
- Refinancing or debt consolidation
Doctors & GP Practices
Partner buy-ins, premises, equipment
Specialist lenders for doctors & GP practices
Also quoting for doctors & GP practices
Get quotes for
- Cash flow or working capital
- VAT or tax bill
- Partner or director buy-in
- Partner retirement or buy-out
- Buying a practice
- Clinical equipment or IT
- Refurbishment or fit-out
- Vehicles
- Practice premises
- Recruiting clinicians or staff
- Growth, marketing or a new location
- Dispensing stock
- Refinancing or debt consolidation
Private Healthcare Practices
Clinic expansion, equipment, fit-out
Specialist lenders for private healthcare
Also quoting for private healthcare
Get quotes for
- Cash flow or working capital
- Professional indemnity (PII) premium
- VAT or tax bill
- Partner or director buy-in
- Partner retirement or buy-out
- Buying a practice
- Clinical equipment or IT
- Refurbishment or fit-out
- Vehicles
- Practice premises
- Recruiting clinicians or staff
- Growth, marketing or a new location
- Refinancing or debt consolidation
Chiropractors, Osteopaths & Physiotherapists
Clinic fit-out, treatment equipment, new sites
Specialist lenders for chiropractic, osteopathy & physio
Also quoting for chiropractic, osteopathy & physio
Get quotes for
- Cash flow or working capital
- Professional indemnity (PII) premium
- VAT or tax bill
- Partner or director buy-in
- Partner retirement or buy-out
- Buying a practice
- Clinical equipment or IT
- Refurbishment or fit-out
- Vehicles
- Practice premises
- Recruiting practitioners or staff
- Growth, marketing or a new location
- Refinancing or debt consolidation
Pharmacies
Acquisitions, stock, dispensing automation
Specialist lenders for pharmacies
Also quoting for pharmacies
Get quotes for
- Cash flow or working capital
- Professional indemnity (PII) premium
- VAT or tax bill
- Partner or director buy-in
- Partner retirement or buy-out
- Buying a pharmacy
- Dispensing robots, equipment or IT
- Refurbishment or fit-out
- Vehicles
- Practice premises
- Hiring staff
- Growth, marketing or a new location
- Stock or wholesaler bills
- Refinancing or debt consolidation
Opticians & Optometrists
OCT, retinal imaging, refits
Specialist lenders for opticians & optometrists
Also quoting for opticians & optometrists
Get quotes for
- Cash flow or working capital
- Professional indemnity (PII) premium
- VAT or tax bill
- Partner or director buy-in
- Partner retirement or buy-out
- Buying a practice
- Optical equipment or IT
- Refurbishment or fit-out
- Vehicles
- Practice premises
- Hiring staff
- Growth, marketing or a new location
- Frames, lenses and stock
- Refinancing or debt consolidation
Architects
Project mobilisation, CAD/BIM, workstations
Specialist lenders for architects
Also quoting for architects
Get quotes for
- Work in progress (WIP) or disbursements
- Cash flow or working capital
- Professional indemnity (PII) premium
- Practising certificates or regulatory fees
- VAT or tax bill
- Partner or director buy-in
- Partner retirement or buy-out
- Buying a practice
- Equipment or technology
- Refurbishment or fit-out
- Vehicles
- Practice premises
- Hiring staff
- Growth, marketing or a new location
- Refinancing or debt consolidation
Surveyors & Surveying Practices
PII, survey equipment, partner capital, lock-up
Specialist lenders for surveyors
Also quoting for surveyors
Get quotes for
- Work in progress (WIP) or disbursements
- Cash flow or working capital
- Professional indemnity (PII) premium
- Practising certificates or regulatory fees
- VAT or tax bill
- Partner or director buy-in
- Partner retirement or buy-out
- Buying a practice
- Equipment or technology
- Refurbishment or fit-out
- Vehicles
- Practice premises
- Hiring staff
- Growth, marketing or a new location
- Refinancing or debt consolidation
Consulting Engineers & Engineering Consultancies
PII, project working capital, tax, partner capital
Specialist lenders for consulting engineers
Also quoting for consulting engineers
Get quotes for
- Work in progress (WIP) or disbursements
- Cash flow or working capital
- Professional indemnity (PII) premium
- Practising certificates or regulatory fees
- VAT or tax bill
- Partner or director buy-in
- Partner retirement or buy-out
- Buying a firm
- Equipment or technology
- Refurbishment or fit-out
- Vehicles
- Practice premises
- Hiring staff
- Growth, marketing or a new location
- Refinancing or debt consolidation
Barristers & Chambers
Tax, VAT, fee-collection gaps
Specialist lenders for barristers & chambers
Also quoting for barristers & chambers
Get quotes for
- Work in progress (WIP) or disbursements
- Cash flow or working capital
- Professional indemnity (PII) premium
- Practising certificates or regulatory fees
- VAT or tax bill
- IT or software
- Refurbishment or fit-out
- Vehicles
- Practice premises
- Hiring staff
- Growth, marketing or a new location
- Refinancing or debt consolidation
Funeral Directors & Funeral Homes
Acquisitions, fleet, mortuary, succession
Specialist lenders for funeral directors
Also quoting for funeral directors
Get quotes for
Financial & Advisory Firms
Book acquisitions, deferred consideration
Specialist lenders for financial & advisory firms
Also quoting for financial & advisory firms
Get quotes for
- Cash flow or working capital
- Professional indemnity (PII) premium
- FCA and regulatory fees
- VAT or tax bill
- Partner or director buy-in
- Partner retirement or buy-out
- Buying a fee block or client book
- Buying a firm
- Equipment or technology
- Refurbishment or fit-out
- Vehicles
- Practice premises
- Hiring staff
- Growth, marketing or a new location
- Refinancing or debt consolidation
Care Providers
Payroll, recruitment, vehicles
Specialist lenders for care providers
Also quoting for care providers
Get quotes for
Education & Training Businesses
Premises, equipment, course delivery
Specialist lenders for education & training
Also quoting for education & training
Get quotes for
Other Established Professional Practices
Engineers, consultants and more
Specialist lenders for other professional practices
Also quoting for other professional practices
Get quotes for
- Work in progress (WIP) or disbursements
- Cash flow or working capital
- Professional indemnity (PII) premium
- Practising certificates or regulatory fees
- VAT or tax bill
- Partner or director buy-in
- Partner retirement or buy-out
- Buying a firm or business
- Equipment or technology
- Refurbishment or fit-out
- Vehicles
- Practice premises
- Hiring staff
- Growth, marketing or a new location
- Refinancing or debt consolidation
Logos show a selection of lenders on our panel. We're a broker, not a lender: which lenders quote depends on your answers, and all finance is subject to status.
Instant quotes, with a specialist in your corner
- Simple from the startFour quick steps, tap-to-answer questions and no documents until you've picked a quote. Your quotes appear as soon as you finish.
- A broker fights your cornerWe don't just pass your details on. A broker writes up your case, explains anything a lender will ask about, puts it to the lender for you and chases it through to an offer.
- Specialist understanding, whole-of-market accessWe understand how professional practices are funded and have access to 300+ lenders, so if one says no we can take your case to another. We're a broker, not a lender.
Instant practice finance quotes, with no credit search
Instant Quotes shows you which lenders on our panel fit your practice, roughly how much each could lend, an example rate and the monthly cost, as soon as you have answered a few questions. It is free, there is no obligation, and getting your quotes involves no credit search. We then take your case to the lenders you choose and search the wider market in case there is a better fit.
How instant is it?
Your quotes are instant: they are worked out from your answers the moment you finish. The finance follows once a lender has looked at your bank statements and accounts and run its own checks. Unsecured loans and tax funding can usually be arranged sooner than premises or acquisition finance, which take longer because of valuations and legal work.
Is my practice eligible?
Lenders mainly look at how long the practice has traded, its fee income and profit, how its bank account is run, the partners' or directors' credit history and what the money is for. Instant Quotes asks about most of these, including your profession, and applies each lender's own criteria to your answers; your bank statements come later, when you apply.
Instant practice finance: common questions
Can I get instant finance for my practice?
You can get instant quotes: Instant Quotes works out indicative quotes from lenders on our panel as soon as you answer a few questions about your practice. The finance itself follows once a lender has seen your bank statements and accounts and run its own checks, and we keep things moving for you.
Can I check if my practice is eligible without affecting my credit score?
Yes. Getting your instant quotes involves no credit search, so it has no effect on your credit file. Lenders only run their own checks, with your permission, when you choose to apply.
What do lenders look at for a professional practice?
Mainly how long the practice has traded, its fee income and profit, how its bank account is run, the partners' or directors' credit history and what the money is for. Many lenders on our panel understand how practices are funded, including fee income, WIP and regulatory costs.
Does it cost anything?
Instant Quotes is free to use and there is no obligation. If you go ahead, any fees depend on the lender and the deal, and there is nothing to pay upfront.
In our clients’ words
“We had already approached other finance companies who weren’t able to help. From our first conversation to everything being completed took around 7 days, and they kept us informed throughout. If you’ve struggled to get help elsewhere, I would absolutely recommend giving them a call.”
