For dental, medical, veterinary and care businesses
Healthcare and Dental Finance
Healthcare finance helps dental practices, clinics, pharmacies, vets and care providers buy clinical equipment, fit out premises and buy or expand practices.
Funding Plus compares lenders that specialise in healthcare, many of which understand NHS contracts and practice valuations.
- Clinical and dental equipment finance
- Practice purchase and goodwill funding
- Surgery fit-outs and premises
Reviewed by the Funding Plus team · Last updated October 2026
Step 1 of 3 · Healthcare finance
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Cash Flow Challenges in Healthcare
Healthcare businesses are generally stable, but equipment is expensive and buying or expanding a practice needs significant funding.
Expensive equipment
Dental chairs, scanners and imaging equipment cost tens of thousands of pounds.
Buying a practice
Purchase prices include goodwill, which can be hard to fund with standard loans.
Fit-outs and compliance
Clinical premises have strict standards that make refurbishment costly.
Contract payment timing
Income from NHS and insurance contracts follows set payment schedules.
The Best Funding Options for Healthcare Businesses
Asset finance
Spread the cost of clinical, dental and diagnostic equipment.
Acquisition finance
Fund the purchase of an existing practice, including goodwill.
Commercial mortgages
Buy your surgery or clinic premises.
Unsecured business loans
Fund refurbishments and fit-outs without property security.
Example
A dental practice adding a digital scanner
A two-surgery dental practice wants a £45,000 intraoral scanner and CBCT unit to offer implant treatment. It finances the equipment over five years on hire purchase, with payments covered by the new treatment income within the first year.
Illustrative example, not a real customer or a quote.
What Lenders Look For
- Practice income and patient list
- NHS, private and insurance income mix
- Experience and qualifications of the principals
- Premises lease or ownership
- Growth plans for new treatments
Healthcare Finance FAQs
Can I finance a dental practice purchase?
Yes. Specialist lenders fund practice purchases, often including a large share of the goodwill value.
Is used medical equipment financeable?
Sometimes, depending on age, make and resale value.
Do lenders like healthcare businesses?
Generally yes, because income tends to be stable. Specialist lenders often offer better terms.
Can a newly qualified professional buy a practice?
Possibly, with experience in the role and a solid plan. Lenders look closely at the existing practice's figures.
Find funding for your healthcare business
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