Clinic & healthcare premises finance

Who clinic finance is for

We work with consultants and clinicians buying premises for a private clinic, with operators of diagnostic and imaging centres funding specialist space, and with established healthcare businesses refinancing or expanding their property. The common thread is a commercial building used to deliver private medical care, whether that is a single-specialty clinic, a multi-disciplinary centre, a day-surgery unit or a diagnostic facility.

Private healthcare premises sit between ordinary commercial property and the more specialist medical sectors. The income behind a clinic is usually private rather than NHS backed, so lenders look harder at the strength and durability of the trading business. Where a clinic has an established patient base and a clear track record, the business presents well, and we will approach the lenders most comfortable with private healthcare premises. Whether you are looking to fund a single site or a growing group, we read the market for you and find the lenders whose appetite fits the sector and the building.

Owner-occupier commercial mortgages for clinics

Most clinic finance is arranged as an owner-occupier commercial mortgage, where the business that trades from the building also owns it. Moving a clinic off a lease and into ownership gives the operator control of the premises, fixes the long-term occupancy cost and builds equity in an asset rather than paying rent to a landlord. For a growing clinic, that can be a sound strategic step as well as a finance decision.

Lenders assess the building, the clinic's trading position and the operator. On the property they look at type, condition, location, the suitability of the space for clinical use and the likely valuation. On the business they look at the strength and durability of private income, the patient base and the accounts. The same owner-occupier commercial mortgage approach works whether the building houses a single-specialty clinic, a group practice or a consultant's rooms, and we will help you weigh ownership against leasing and, if ownership fits, arrange the mortgage around the clinic or practice.

Diagnostic, imaging and specialist premises

Diagnostic and imaging centres bring particular considerations. The building often needs specialist features, from imaging suites to shielding and fit-out for specific equipment, which affects both the valuation and the cost of getting the premises ready. Where significant fit-out or equipment is involved, we can arrange the property finance alongside asset finance for the equipment so the whole project is funded coherently and the assets are secured against the right facility.

Specialist healthcare premises more broadly, from day-surgery units and small private hospital settings to rehabilitation and urgent-care centres, are assessed on the same principles: the suitability of the building, the strength of the trading income and the experience of the operator. We will tell you honestly how a lender is likely to view a specialist building and structure the funding to fit.

Healthcare finance solutions across the sector

Premises is the centre of most clinic deals, but as a healthcare finance broker we arrange the wider healthcare finance solutions a medical business needs while it grows. Alongside the commercial mortgage we can secure business finance and business funding for working capital, asset finance for clinical equipment, and bridging finance where a clinic needs to move quickly on a building before longer-term financing is in place. Securing the right mix of healthcare finance, rather than a single loan, is often what makes a project work.

These principles apply across the sector. The same healthcare finance products support dentists buying a practice, consultants opening a clinic and operators expanding a diagnostic business, because the underlying questions are the same: a suitable building, durable income and a credible operator. We are a broker, not a lender, so we compare the market and put the financing options, from commercial mortgages to shorter business loans, in front of you today rather than tying you to one bank's appetite. We do not provide regulated financial services or personal financial advice, and where a decision touches your personal or wider financial planning we will tell you to take independent professional advice. Bridging finance is short term and priced accordingly, so we use it only where a clear exit by refinancing or sale is in place.

What clinic finance is used for

We typically arrange clinic finance for one of three purposes. The first is buying a premises, often moving a clinic off a lease and into ownership of its own building. The second is refinancing, whether to release equity, fund expansion, move off an expiring facility or improve on the current terms. The third is development and fit-out, funding the works that turn a building into a clinical space and, where needed, the specialist equipment that goes into it.

Many cases combine more than one of these. A purchase may include a fit-out, or a refinance may release the equity that funds a second site. We structure the facility around the clinic and its plan rather than a single off-the-shelf product.

Eligibility and what lenders look for

Lenders assess the premises, the trading business and the operator. On the property they look at type, condition, location, clinical suitability and value. On the business they look at the strength and durability of private income, the patient base, the accounts and the resilience of the model. On the operator they look at clinical and business experience, track record and the contribution from your own funds.

Clean accounts, an established patient base, a clear business plan and a sensible deposit all strengthen a case. Because clinic income is usually private rather than contract backed, lenders look harder at the trading story than they would for an NHS-backed building, so a clear picture of the income matters. We will tell you where your case is strong and where a lender will want more comfort.

Indicative terms

Terms vary by lender, by the building and by the strength of the clinic, so these are indicative ranges rather than an offer. Owner-occupier commercial mortgages for clinic premises commonly run over fifteen to twenty-five years, with loan-to-value support driven by the strength of the trading business and the suitability of the building. Asset finance for equipment is usually arranged over the useful life of the assets. Rates are priced over a reference rate and reflect the risk in the case.

We will give you a realistic, indicative view once we understand the premises, the clinic and your plans. All terms are indicative and subject to status, valuation and full lender approval. Commercial finance of this kind is not regulated by the Financial Conduct Authority, and nothing here is financial advice.

How we arrange it

We start with the premises, the clinic's trading position and what you want the funding to achieve, whether that is a purchase, a refinance or a fit-out. We then approach the lenders most comfortable with private healthcare premises and come back with indicative terms. Once you choose a route, we package the case, manage the valuation and any equipment finance, work with your solicitor, and keep the deal moving to formal offer and completion. You deal with us throughout.