Funding lines
Commercial Finance for UK Healthcare Businesses
Ten facilities covering everything a practice needs to buy, build, equip and run — arranged independently across a whole-of-market lender panel.
Overview
The right facility, not simply an available one
Commercial finance is not one product. A practice acquisition, a CBCT purchase, a VAT bill and a surgery conversion are four entirely different funding problems, and putting the wrong instrument against any of them is expensive for years afterwards.
Most projects use two or three facilities together. A practice purchase with a freehold typically combines goodwill lending over fifteen years with a commercial mortgage over twenty-five, and often equipment refinance to cover the deposit. Arranged as one plan, the monthly cost is materially lower than a single blended loan.
Every line below is arranged independently. We are paid to place the case where it works best, and we will tell you when the answer is to wait, to restructure, or not to borrow at all.
Choose a facility
Our funding lines
Each page sets out how the facility works, what it costs and where it fits.
Business Loans
Unsecured and secured term lending from £25,000 to £500,000 for refurbishment, recruitment, tax smoothing and expansion.
Read moreAsset Finance
Hire purchase and leasing for chairs, imaging, scanners, mills and full fit-outs, funded over the working life of the equipment.
Read moreMerchant Cash Advance
Advances repaid as a percentage of card takings, so quiet months cost less and there is no fixed instalment to meet.
Read moreInvoice Finance
Release up to 90% of an invoice within 24 hours. Built for laboratories, agencies and healthcare suppliers on terms.
Read moreTrade Finance
Letters of credit and import facilities that pay overseas manufacturers without emptying the working capital account.
Read moreAcquisition Finance
Goodwill and share purchase funding up to 100% of the price, structured by someone who has bought over twenty practices.
Read moreBridging Finance
Short-term secured lending for auctions, chain breaks and refurbishments, completing in as little as five working days.
Read moreBTL Mortgages
Personal, SPV and portfolio buy to let lending for professionals whose income does not fit a high street affordability model.
Read moreCommercial Mortgages
Owner-occupier and investment lending to 80% of value, so the practice owns the building it trades from.
Read moreDevelopment Finance
Land and build funding drawn against certified progress, sized on the finished value of the scheme.
Read moreProcess
How an application is handled
Scope
What you are funding, over what period, and what the money has to achieve.
Structure
Which facility or combination fits, and what it will realistically cost.
Submission
The case built and placed with the lenders most likely to say yes on the best terms.
Completion
Valuation, legals and drawdown managed through to funds in the account.
Getting it right
Matching the facility to the life of the spend
The most common and costly error we see is a mismatch between the term of the borrowing and the life of the thing it bought. A scanner funded on a nine-month advance strangles cash flow; a marketing campaign funded over seven years is still being paid for long after it stopped working.
The rule is simple. Long-life assets go on long-term facilities secured against the asset. Short, self-liquidating spend goes on short, flexible facilities. Anything secured on property should be on the longest term you can sensibly obtain.
- Property and goodwill — 15 to 25 years, secured
- Equipment and fit-out — 3 to 7 years, on the asset
- Working capital and tax — 12 months to 5 years
- Marketing and stock — under 12 months, revenue linked
- Build and conversion — the build programme plus an exit period
Questions
Frequently asked questions
Usually two. Acquisition finance against the goodwill over ten to twenty years, and where a freehold is included, a commercial mortgage over twenty to twenty-five. Splitting them almost always reduces the monthly cost against a single facility covering both.
Yes, and they usually are. A typical expansion might combine a term loan for the building works, asset finance for the equipment, and an invoice or merchant facility for the working capital gap while the new capacity fills. What matters is that the lenders’ security positions do not conflict, which is part of what we manage.
It depends entirely on the security. Unsecured lending and merchant advances can fund inside a week. Asset finance typically takes one to two weeks. Anything secured on property runs to the legal and valuation timetable — six to twelve weeks for a commercial mortgage, and as little as five working days for a bridge where speed is the point.
Next step
Not sure which facility you need?
That is the most useful conversation we have. Describe the project and we will tell you which instruments fit, in what order, and what the whole thing will cost.
Prefer to write? Send an enquiry or email info@apexfundingpartners.co.uk.