Legal Practice Finance
PII premiums, VAT and HMRC bills, WIP and lock-up cashflow, new hires and case management software.
Explore legal practice finance financeFCA regulated · Specialist brokers to UK professional practices
Business funding for
UK professional practices
Practice Capital arranges everyday business funding for UK legal, medical, dental, veterinary, optical, pharmacy, accountancy, care home and funeral practices — working capital, tax and VAT bills, PII, asset purchases, refinancing, software, hiring and growth. When the bank says wait, we get things moving.
FCA firm reference 1000382· No upfront fees· Independent brokerage
Practice finance at a glance
Facility sizes
£5k – £250k+
Terms
3 – 72 months
Lender panel
Specialist
Fast response
From your broker
Credit broker, not a lender.We introduce practices to specialist lenders and are paid by the lender. No upfront fees.
Start your enquiryFCA Regulated · FRN 1000382
Trusted by UK professional practices
Specialist lender panel
Independent brokerage
Sectors we specialise in
Ten professions. One team that knows them all.
Every practice has its own rhythm — billing cycles, regulators, capital events. We know the lenders who understand each one.
Medical & GP Practice
Working capital between NHS payments, equipment, refurbishment and personal or practice tax bills.
Explore medical & gp practice financeDental Practice
Surgery equipment, chairside tech, refurb costs, staff expansion and everyday cashflow support.
Explore dental practice financeVeterinary Practice
Equipment upgrades, extra clinicians, software, working capital and tax bill funding.
Explore veterinary practice financeOptical Practice
Frames stock, OCT and dispensing kit, refit costs, staff hires and short-term cashflow.
Explore optical practice financePharmacy Finance
Stock, dispensing tech, working capital against NHS receivables, VAT and tax bill funding.
Explore pharmacy finance financeAccountancy Practice
PII, software and cloud migration, hiring during busy season, VAT and personal tax bills.
Explore accountancy practice financeCare Home Finance
Staffing costs, CQC-driven works, equipment, refurbishment and everyday working capital.
Explore care home finance financeFuneral Directors
Fleet, premises works, staff, stock and short-term cashflow between at-need volumes.
Explore funeral directors financeArchitect Practice
Fee-gap working capital, PI insurance, CAD/BIM software, office fit-out and tax bills.
Explore architect practice financeWhat we fund
Everyday funding, not fancy structuring
Practical facilities for the running of a professional practice — the bills, the kit, the people, the growth.
Working capital & cashflow
Smooth out lock-up, WIP, seasonal dips and slow-paying clients.
Business growth funding
Fund the next hire, office renovations, a new site fit-out, or that marketing push.
Asset & equipment purchase
Surgery kit, imaging, IT hardware, vehicles — spread the cost.
Tax, VAT & HMRC bills
Corporation tax, VAT and personal self-assessment bills spread monthly.
Learn more about tax loansRefinance existing loans
Replace current borrowing with a longer term or lower rate facility to cut monthly outgoings.
PII premium finance
Spread professional indemnity premiums instead of paying up front.
Software & tech investment
Case management, practice management, cloud migrations and licences.
Hiring & team expansion
Bridge the cost of new fee earners, clinicians or support staff.
Revolving lines of credit
Standby facilities you draw on only when the month calls for it.
Why practices choose us
When the bank isn't the right fit
High-street banks can be the right option for many practices. But when timing, funding purpose or lending criteria don't fit, we can look beyond the mainstream market to specialist lenders who understand professional practices.
- ✓Practical, not fancy
Working capital, tax bills, PII, kit, software and hiring — the everyday funding practices actually need.
- ✓Beyond the high street
Access to specialist lenders who understand professional practices.
- ✓FCA regulated
Firm reference 1000382. Fully authorised and independently audited.
- ✓Fast and discreet
Quick, personal response from your specialist broker, handled confidentially from the first call.
Recent funding deals completed
Real facilities arranged for UK practices
Examples of recent funding we have sourced. All figures and terms are indicative of the type of facilities we can arrange.
£60,000/ 3 years
Office refurbishment and new computer equipment
£29,000/ 3 months
VAT funding to support growth via a cashflow facility
£25,000/ 12 months
PII premium finance with no personal guarantees
Ready to explore funding for your practice?
A short, confidential enquiry is all we need to come back with indicative options — no commitment and no upfront fees. Our initial enquiry does not affect your credit file.