Funding at the larger end of private healthcare: hospitals, day surgery units, diagnostic centres and specialist treatment facilities.
What we arrange
- Commercial mortgages on hospital and treatment centre premises
- Acquisition funding for facilities and groups
- Theatre, imaging and diagnostic equipment finance
- Development finance for new-build and conversion
- Working capital and contract-backed facilities
- Refinancing and restructuring of existing facilities
All of this is finance for the operating business. We do not arrange finance for patients to pay for treatment.
A different scale of lending
Facilities at this level are generally assessed by specialist healthcare desks rather than mainstream commercial teams. Single-lender solutions are available well into the tens of millions, either secured or on a cashflow basis.
The lenders active here are the ones with dedicated healthcare divisions: teams that have funded private hospitals, diagnostics providers and specialist care operators for years. That matters more at this scale than at any other, because the questions are more technical and a generalist underwriter will decline what a specialist would price.
What lenders assess
- Income mix. Self-pay, insurer-funded and NHS contract work behave very differently, and the balance between them shapes the assessment.
- Consultant relationships. Practising privileges arrangements and how dependent throughput is on a small number of consultants.
- Regulatory standing. Inspection rating and history, and any conditions attached to registration.
- Occupancy and utilisation. Theatre and bed utilisation rates, and their trend.
- The property. Going concern value versus bricks and mortar, and what alternative use exists.
Insurer-funded income
Insurer-funded work provides useful predictability, and lenders view it favourably. It also concentrates counterparty exposure: a facility heavily dependent on one insurer’s recognition is exposed to a decision it does not control.
Worth addressing directly in a proposal rather than leaving for an underwriter to identify.
Equipment at scale
Theatre and imaging equipment represents a large and recurring capital requirement. Asset finance matches the cost to the working life, and refinancing equipment already owned outright releases capital without new property security. That is frequently overlooked at this scale, where the sums involved are substantial.
See diagnostics and medtech finance for the imaging side.
Common questions
Is this different from clinic funding?
Materially. The lender panel is different, the assessment is more technical, and single-lender facilities into the tens of millions are available. A clinic-scale approach will not work here.
Can a new facility be developed from scratch?
Yes, through development finance, with a term facility as the exit once trading and registered. The regulatory timeline needs building into the funding structure from the start. See healthcare development finance.
How is a hospital valued?
Usually as a going concern where it is trading successfully, and on bricks and mortar where it is not. The difference is substantial and determines the deposit required.
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.