Cash advances for UK private clinics.
For private GP surgeries, consultation practices, and specialist private healthcare. Funded against your private card takings. Consultations, diagnostics, follow-ups, treatment programmes. Built for clinicians scaling the private side of their practice.
What MCA means for a private clinic.
Private clinics. Independent GP surgeries, consultation practices, specialist non-cosmetic medical providers. Earn from private patient consultations, diagnostics, follow-ups, and treatment programmes. Most revenue is card-paid at point of consultation; some via private medical insurer (PMI) settlements that arrive 14-30 days later. Lenders treat both as eligible income. Common uses: diagnostic equipment (ECG, ultrasound, point-of-care testing), reception and consulting room fit-out, second-clinician onboarding, marketing for new patient acquisition, EHR/practice management software, IV therapy or hormone clinic launch.
Sound familiar?
Diagnostic equipment investment.
Point-of-care ultrasound £15k to £40k. ECG with software £4k to £12k. Spirometry, blood-gas, dermatoscopes. Incremental £8k to £25k each. All revenue-generating but each upfront cost lands in one quarter.
MCA funds equipment in one go. Asset finance is also worth comparing for single dedicated devices. We'll quote both. MCA wins where multiple bits of kit are bought together with fit-out works.
Adding a second clinician to scale appointment capacity.
Consulting room fit-out, IT, GMC indemnity premium, marketing to fill the diary. £15k to £50k of upfront cost, 3-6 months until the new clinician is fully booked.
MCA bridges the ramp-up period. Daily repayment % from existing patient revenue stays comfortable; new clinician's card revenue then accelerates repayment.
Private patient acquisition marketing.
Google Ads, content marketing, GP referral relationships, partnership with local employers. £8k to £40k per quarter to maintain a strong new-patient pipeline.
MCA funds quarter-on-quarter marketing investment. Repaid through the patient revenue the marketing generates. Daily repayment % from card flow scales with the patient growth.
Here's what it actually costs.
A 2-doctor private GP clinic borrows £25,000 for ultrasound, EHR upgrade and patient-acquisition marketing. Monthly card takings (private consultations + PMI settlements): £40,000. £25,000. Average monthly card takings £40,000. Fixed cost 1.2. 11% daily repayment % on card sales, total cost £5,000.
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£25,000
- vs card takings63%
- Fixed cost1.20
- Daily repayment£145
- Avg monthly£4,400
- Est. term6.8 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 numbersPrivate clinics, quick answers.
Similar but distinct. Lenders recognise the medical professional credibility and treat regulated clinical income (CQC-registered, GMC-licensed clinicians) favourably. The advance is sized off card-and-PMI revenue.
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