Practice Refurbishment & Surgery Fit-out Finance
Rooms that match
the standard of your work.
Surgeries, treatment rooms, consult rooms and client areas all need investment to meet clinical standards and client expectations. We arrange funding so a refit doesn’t empty the practice account.
The pressure
Standards don’t wait for the right time.
Decontamination rules, clinical standards and patient expectations all push practices to refit, often on a timetable they don’t choose. A new owner usually wants to refresh the practice too.
A refurbishment also has to be planned around the practice continuing to operate, which makes the timing of the funding as important as the amount.
What can be financed
What it can cover.
- 01 Surgery and treatment room fit-out
- 02 Decontamination and sterilisation rooms
- 03 Consult rooms, theatres, kennels and wards
- 04 Reception, arrangement and client areas
- 05 Studio and office refurbishment
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.
How do I fund a surgery fit-out?
A surgery fit-out can often be funded through a business loan, asset finance for the equipment elements, or a combination of the two. Lenders will look at the practice’s accounts, the scope of works and how the project is phased. We look at the whole project and approach lenders most likely to support it. Your accountant can advise whether capital allowances apply to any of the works.
Can I get finance to refurbish a dental or veterinary practice?
Yes, it is often possible. Dental practices refit surgeries and decontamination rooms, while veterinary practices refurbish consult rooms, theatres, kennels and wards. Funding can be arranged so the refit doesn’t empty the practice account. What is available depends on the lender, the practice’s trading and the nature of the work.
Can decontamination room upgrades be financed?
Decontamination and sterilisation rooms are among the works practices commonly fund, often because clinical standards require an upgrade on a timetable they don’t choose. The build and the equipment may suit different types of finance. We help structure the funding so it matches the project rather than forcing it into one product.
Should I refurbish after buying a practice, and how is it funded?
Many new owners want to refresh the practice soon after purchase. Refurbishment funding can sometimes be planned alongside acquisition finance, so lenders see the whole picture from the start. Timing matters, as works have to fit around the practice continuing to operate. We help you plan the funding with the rest of the deal.
Can funeral directors and private clinics finance a refit?
Yes. Funeral directors often refurbish arrangement rooms and reception areas, and private healthcare providers fit out clinical rooms to the required standard. Studio and office refurbishments for other professional firms can be funded too. We search the market for lenders familiar with your sector and the type of works planned.
Let's talk
Planning a refit?
Fund it without emptying the practice account.
Before you approach a lender, speak to someone who understands the transaction. Confidential, no-obligation initial discussion.