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.
- Confidential, no-obligation discussion
- Whole of market access
- We are a broker, not a lender
“Simon has been fantastic in supporting my business to secure suitable funding across several deals.”
- Lender searchWhole of marketNot tied to any one lender
- Instant QuotesNo credit searchSee indicative quotes first
- Who we helpProfessional practicesSole traders, partnerships, LLPs and companies
- Our roleSpecialist brokerWe approach suitable lenders for you
Quick answer
How can a practice fund a refurbishment or fit-out?
Refurbishment finance funds a surgery fit-out, new treatment or consult rooms, decontamination rooms, client areas or an office refit, and spreads the cost over monthly payments. It lets a practice improve its premises without emptying its bank account. We search the market for funding that fits the project and the practice’s cash flow.
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.
“Kind and highly efficient: I would highly recommend them for a fast, professional service.”
- 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 it’s often structured
Structured around the practice.
Refurbishment is commonly funded with a term loan repaid over a period that reflects how long the works will serve the practice. Where the project includes substantial equipment, such as dental chairs or theatre equipment, that element can often be funded separately through asset finance.
Lenders will want to see the contractor’s quotes and a clear timetable. Because fit-out works have little resale value on their own, the strength of the practice’s income matters more than the works themselves. For leasehold premises, the lease terms and landlord consent are part of the picture.
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.
- Whole of market accessHigh street banks, specialist and private lenders.
- Specialist understandingLenders who understand how practices earn and grow.
- Your case, properly presentedStructured and put to lenders suited to it.
- With you to completionFrom the first conversation to funds arriving.
What lenders will want to see
What lenders will look at.
- Contractor quotes and the scope of works
- The timetable, and how the practice will keep trading during the works
- The practice’s accounts and existing borrowing
- For leasehold premises, the lease length and landlord consent
- Any equipment being bought as part of the project
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.
In our clients’ words
“The team were very helpful. They listened to our requirements and found a product that suited us, and they also helped us through the contract and onboarding process. Would recommend!”
Knowledge Hub
Read the guides.
Buying a Dental Practice: A Finance Guide for Buyers
A practical guide to funding a dental practice purchase: how the NHS and private income mix affects lenders, the approvals involved, and the order to put the finance together.
Read the guide →Hire Purchase, Leasing or a Loan: Financing Practice Equipment and Technology
How hire purchase, finance leases, operating leases, contract hire and loans compare for dental chairs, imaging, OCT, dispensing robots, case management systems and vehicles.
Read the guide →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.
