Working capital against NHS receivables
Bridge the gap between delivering care and being paid for it.
Medical sector finance
GP practice finance and medical practice funding
GP partnerships, private clinics and consultant practices all run on timing that rarely matches their outgoings. We arrange everyday funding that smooths NHS payment gaps, pays for equipment and refurbishment, and covers practice and personal tax bills.
Facilities from £5,000 to £250,000+ over 3 to 72 months. No upfront fees — we are paid by the lender.
FCA Regulated · FRN 1000382
Trusted by UK professional practices
Specialist lender panel
Independent brokerage
What we fund
How we fund medical & gp practices
Practical, everyday funding — not complicated structures. If it keeps the practice running or helps it grow, there is usually a lender for it.
Medical equipment and imaging
Fund diagnostic kit, minor-surgery equipment and clinical IT over a sensible term.
Refurbishment and CQC works
Cover premises improvements, accessibility works and compliance-driven upgrades.
Practice and personal tax bills
Spread corporation tax, VAT and partners' self-assessment bills across monthly payments.
Practice management systems
Fund clinical software, patient portals, telephony upgrades and cyber security work.
Hiring and locum cover
Fund additional clinicians, practice managers and locum cover during busy or short-staffed periods.
Why Practice Capital
Where the high street stops, we start
Mainstream banks tend to treat a medical practice like any other small business. The lenders we work with recognise the reliability of NHS and private clinical income, and price accordingly — with decisions that arrive in days.
- Specialist lender panel
- A quick, personal response from your specialist broker
- We work in the second string, behind the banks — not just A+ credit
- FCA regulated credit broker, FRN 1000382
- No upfront fees — the lender pays our commission
Typical scenarios
What medical & gp clients come to us for
Illustrative examples of the kinds of requirements we handle. Full case studies coming soon.
Partners' tax bills in January
A GP partnership spread the partners' self-assessment liabilities over twelve months rather than making a lump-sum drawdown.
Premises upgrade before inspection
A practice funded accessibility and infection-control works ahead of a scheduled inspection.
Clinic expansion
A private clinic funded a second consulting room, equipment and the first months of a new clinician's salary.
FAQs
Medical & GP finance questions, answered
- Can a GP partnership borrow for tax bills?
- Yes. Funding partners' self-assessment and the practice's own tax and VAT liabilities is one of the most common requests we handle, usually repaid over six to twelve months.
- Do lenders treat NHS income favourably?
- Generally yes. Predictable NHS income is viewed as strong evidence of affordability, which often improves the terms available compared with a comparable non-clinical business.
- Can private clinics access the same funding?
- Yes. Private clinics, consultant practices and mixed NHS-private models are all fundable — lenders assess the income mix rather than the label.
- How much does it cost to use a broker?
- Nothing. We are paid a commission by the lender, so there are no upfront fees to you.
Other sectors we fund
Next step
Find out what your medical & gp practice could raise
A short enquiry, an honest answer and a quick response from your specialist broker. No obligation and no upfront fees.