Cash advances for UK cosmetic surgery clinics.
For CQC-registered surgical clinics. Rhinoplasty, breast, body contouring, hair restoration. Funded against the card and finance-plan takings your theatre list already generates.
A note for cosmetic surgery clinics
Cosmetic surgery sits in a tighter lender bracket than aesthetics, CQC registration, named surgeon arrangements, and patient-finance mix all matter to underwriting. We'll know within the first call which lenders on our panel will look at your clinic, so you don't waste time on dead-end applications.
What MCA means for a cosmetic surgery clinic.
Cosmetic surgery is high-ticket, mostly card- or finance-plan paid, with a long enquiry-to-theatre cycle and seasonal demand around summer and Christmas. MCA gives you funding for theatre kit, surgeon retainers, marketing campaigns, or a second site. Repaid through the same card and processor mix, so a busy quarter clears the advance faster than a quiet one.
Sound familiar?
Theatre or recovery refit before the next list.
Operating lights, anaesthetic monitors, and recovery suite upgrades can run £40k to £120k.
MCA funds the refit alongside or instead of asset finance. Theatre lists post-refit repay through the card processor as patients pay deposits and balances.
Marketing campaign for a new procedure.
Launching a new technique (e.g. VASER, FUE) needs £15k to £40k of paid social, PR, and surgeon-led content before enquiries convert.
MCA funds the campaign upfront. Bookings over the following 3-6 months repay it.
Bridging a finance-plan settlement gap.
Patient finance providers settle on stage gates, leaving working-capital gaps when theatre and staff costs hit before settlement.
MCA bridges the gap so the surgical calendar isn't held up by cashflow timing.
Here's what it actually costs.
A cosmetic surgery clinic borrows £60,000 for a recovery suite refit and a launch campaign. Monthly card + finance-plan takings: £120,000. £60,000. Average monthly card takings £120,000. Fixed cost 1.28. 12% daily repayment % on card sales, total cost £16,800.
These figures are illustrative. If a term loan or asset finance fits your situation better, we'll tell you.
Open the fixed cost calculator →Work out the real cost.
New businesses typically start at a higher daily % and a shorter term.
Illustrative only, not a quote.
- Advance£60,000
- vs card takings50%
- Fixed cost1.28
- Daily repayment£473
- Avg monthly£14,400
- Est. term5.3 months
Illustrative. The fixed cost is set on day one; daily repayment varies with takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
Works with Dojo · Square · Zettle · SumUp · Stripe Terminal · PDQ · Yeti Pay · Teya · Barclaycard
*** THANK YOU ***
Apply with these numbersCosmetic surgery clinics, quick answers.
Yes. Many lenders treat regulated patient-finance settlements similarly to card takings for MCA underwriting, provided settlement history is consistent. We'll match you to the right lender on day one.
Ready when you are
Ready to apply?
60 seconds to apply. 1 working day to a decision. No obligation, no credit footprint for the initial check.
Up to 90% approval for qualifying businesses