Practice Refinance & Debt Consolidation
Restructure
what you already owe.
Practices that have grown through acquisitions, refits and short-term facilities can end up with borrowing that no longer fits the business. A refinancing exercise can explore whether it can be reorganised into a more appropriate structure.
Who this is for
Professional practices across every profession we work with.
The pressure
Borrowing built up one decision at a time.
Each facility made sense when it was taken out. Together they can mean several lenders, different repayment dates and limited room for the next opportunity.
Refinancing isn’t automatically cheaper, and consolidating can mean paying over a longer period. The aim is a structure that suits the practice as it is now, and we’ll set out the trade-offs clearly.
What can be refinanced
What it can cover.
- 01 Acquisition debt Often to release capacity for the next acquisition.
- 02 Several short-term facilities Reorganised into fewer, better-matched arrangements.
- 03 Practice premises An existing commercial mortgage.
- 04 Deferred consideration Future instalments due to a vendor.
How we help
Not one lender. The right one.
We don't offer a single product. We look at what you're trying to fund, how your firm earns and spends, and which lenders in the market are most likely to support it. Then we prepare the case, approach suitable lenders and manage the process through to completion.
Questions
What firms usually ask.
Can I refinance practice acquisition debt?
Often, yes. Practices that have grown by acquisition can refinance that borrowing, sometimes to consolidate several loans or release capacity for the next deal. Whether it works depends on the practice’s income, existing terms and early repayment costs. We review what you owe and search the market for a better-matched structure.
Is consolidating practice debt always cheaper?
No. Refinancing isn’t automatically cheaper, and consolidating can mean paying over a longer period, so the total cost may rise. Existing lenders may also charge to repay early. The aim is a structure that suits the practice as it is now, and we’ll set out the trade-offs clearly before you decide. The British Business Bank’s finance guidance is a useful impartial starting point.
Can we combine several short-term facilities into one loan?
In many cases. Practices often build up several facilities from refits, equipment and working capital, each with its own lender and repayment date. These can sometimes be reorganised into fewer, better-matched arrangements. We look at what each facility is for before suggesting what should be combined.
Can I refinance the commercial mortgage on our practice premises?
Yes, refinancing an existing commercial mortgage on the building you practise from is a common reason dental, veterinary, GP and pharmacy practices review their borrowing. It can be done on its own or alongside other practice debt. We search the market and approach lenders suited to professional practice premises.
Can deferred consideration owed to a vendor be refinanced?
It often can. Future instalments due to the person who sold you the practice or fee block can sometimes be replaced with a single facility. That can simplify the practice’s commitments, though it depends on the sale agreement and the lender. We’ll check the terms before approaching the market.
Success stories
Refinance & Debt Consolidation in practice.
Let's talk
Borrowing no longer fits?
Let’s review it together.
Before you approach a lender, speak to someone who understands the transaction. Confidential, no-obligation initial discussion.