Finance for Private Healthcare Practices

Often, yes, although new clinics are assessed more cautiously than established ones. Lenders look at your clinical experience, any existing patient base, the business plan, and how launch costs and the ramp-up period will be covered. Equipment can sometimes be funded separately through asset finance. We help present the plan and search the market for suitable lenders.

Asset finance and leasing are common, spreading the cost of lasers, imaging, diagnostic and treatment equipment over its working life. Lenders consider the equipment's resale value, the clinic's trading history and the expected income from the treatments it supports. We compare supplier finance with what is available across the market.

Yes. Fit-out and refurbishment finance can fund clinical rooms, patient areas and the infrastructure treatments need. Because fit-out has limited resale value, lenders tend to focus on the clinic's income, trading history and lease terms rather than the works themselves. We look at the full project cost before we approach lenders.

Yes. Buying an established clinic brings patients, staff and equipment, and lenders will look at its earnings, reliance on key clinicians, the lease and its regulatory standing, such as CQC registration where it applies. We help structure the purchase and any investment planned after it, then approach lenders suited to the deal.

Many do, although appetite varies between lenders and by treatment type. Lenders look at trading history, the qualifications of practitioners, the regulatory position and how income is generated. Because criteria differ so much across the market, it helps to have a broker approach lenders already comfortable with your type of practice.

Valuations usually start from the clinic’s earnings and then look at how much of that income will transfer: patient numbers, the self-pay and insured mix, referral sources and whether the clinicians who treat the patients are staying. Lenders often expect a specialist valuation and look at the same points. See practice acquisition finance.

Yes. Lenders who fund private clinics work across the UK, including London, and assess each case on the clinicians, the income and the premises terms. You can get instant quotes to compare options for your practice.

Yes. Imaging equipment is usually funded on hire purchase or a lease, sometimes with installation and room works included. Lenders look at referral sources, who will run and report the scans, the fee per scan against the repayment and resale value. See medical equipment finance.

In England it may. Diagnostic and screening procedures is a regulated activity under the 2014 Regulations, so a clinic adding imaging should check with CQC whether it needs to register or vary its registration, and X-ray and CT also bring ionising radiation rules. Build the approvals into the timetable before the equipment arrives.

Yes. Invoice finance can advance part of the value of invoices raised to private medical insurers, embassies and corporate clients, repaid when they pay. It works best where insured and corporate work is a large share of income. Lenders look at the payers, rejection and shortfall rates and how quickly invoices go out.

Options include invoice finance on insurer and corporate invoices, a working capital facility, and lock-up finance against the whole debtor book. Sending invoices promptly and tracking rejected claims also shortens the wait.