Funding for physiotherapy, chiropractic, osteopathy, podiatry and related clinics, from a first treatment room to a multi-site group.
What we arrange
- Clinic premises purchase and refinance
- Fit-out and refurbishment finance for leasehold clinics
- Equipment finance: treatment tables, rehabilitation and gym equipment, shockwave and laser therapy
- Practice acquisition and goodwill funding
- Working capital and expansion funding for additional sites
How lenders view allied health
These are typically smaller businesses than a GP surgery or a care home, and largely private-pay, which changes the funding profile. Deal sizes are smaller, unsecured lending and asset finance play a larger role, and property lending tends to come later in a clinic’s life.
Where income includes insurer-funded or occupational health work, that provides useful stability in a lender’s assessment. Purely self-pay clinics are assessed on the consistency of their trading history and the strength of their referral sources.
What lenders will actually do
- Newer clinics: unsecured lending is available from as little as six months’ trading with a minimum monthly turnover around £5,000, which is well below what most term lenders require.
- Facility sizes: unsecured typically to £250,000, secured to £500,000, over terms from three months to five years. Personal guarantees are usual.
- Equipment and fit-out: treatment tables, rehabilitation equipment, shockwave and laser therapy all fundable on hire purchase or lease, spreading cost rather than taking it from working capital.
- Income mix: insurer-funded or occupational health work provides stability in a lender’s assessment. Purely self-pay clinics are assessed on trading consistency and referral strength.
Practical routes for smaller clinics
For a clinic below the size where commercial mortgage lending makes sense, the realistic options are usually unsecured lending, asset finance for equipment and fit-out, and facilities that smooth the cost of tax and professional indemnity. Used together these achieve most of what a growing clinic needs without security over property.
Common questions
Can I fund a clinic fit-out on a leasehold unit?
Yes. Fit-out costs can be funded through asset finance or an unsecured facility, spreading the cost rather than taking it from working capital at the point you are also building a patient base.
Is my clinic too small to be of interest?
Probably not. Smaller deals are well served by asset finance and unsecured lenders, and we will tell you straight if a facility is not worth arranging.
All figures are indicative and subject to lender assessment, your circumstances, valuation and prevailing market conditions. Commercial mortgages and unregulated bridging loans are not regulated by the Financial Conduct Authority. Property offered as security may be at risk if you do not keep up repayments.
This page was last reviewed in September 2026 and is next scheduled for review in March 2027. Lending criteria change frequently, so contact us for current terms rather than relying on published figures.