Medical Practice Finance & Loans for Doctors
Flexible Finance For Doctors – Borrow £50k to £500k
Whether you’re looking to grow an already-established practice, purchase a new medical practice, invest in equipment or manage your working capital, Acceptance can help you access the funding your business needs.
Our finance solutions are designed for UK doctors, GPs, consultants and medical practice owners, with flexible options to support your professional and business goals.
WHAT'S INCLUDED
£50,000 – £500,000
Loan amount
6 – 60 months
Repayment term
No assets needed
Unsecured lending
Fixed monthly payments
No surprise charges
No early repayment fees
Repay whenever you're ready
Subject to status and eligibility. Finance options and terms vary according to individual circumstances.
- Soft credit check — no footprint
- No early repayment fees
- Funds in as little as 48 hours
- Human decisions, not just algorithms
What are loans for Doctors?
Loans for doctors are business finance solutions designed to help medical professionals fund investment, growth and other business requirements.
A doctor loan can be used for a range of professional purposes, from purchasing or expanding a medical practice to investing in equipment, refurbishing premises or supporting working capital.
Whether you’re an established GP, consultant, specialist or medical practice owner, the right finance can help you invest in your business without having to fund a major expense entirely from your existing cash reserves.
- Buying an existing medical practice
- Starting a new doctors surgery
- Expanding your established practice
- Refurbishing or fitting-out your premises
- Purchasing medical equipment and technology
- Opening an additional location
- Consolidating or refinancing existing business borrowing
- Opening an additional location
£500k
Best suited for
Doctors that need fast, flexible capital without the complexity or risk of secured lending.
Representative APR 5%
Your actual rate depends on your business profile. We’ll show you your personalised rate before you commit.
Useful for
Loans for doctors are designed for medical professionals and healthcare businesses looking for funding to support their next stage of growth.
Eligibility
Who are Loans for Doctors suitable for?
GPs and GP practices
Funding to support practice investment, expansion, equipment and other business requirements.
Consultants and specialists
Finance for professional businesses looking to invest in equipment, premises or growth.
Private medical practices
Funding to help establish, expand or improve a private healthcare business.
Doctors buying a practice
Finance to help fund the acquisition of an existing medical practice.
Established practice owners
Funding for expansion, refurbishment, equipment and working capital.
What are the Advantages of a Medical Loan?
Taking out business finance can allow doctors and practice owners to invest in their business while preserving cash for day-to-day expenses.
- Advantages
- Preserve working capital - avoid using all your available cash on a major investment
- Fund growth sooner - invest in your practice when the opportunity arises rather than waiting to build up cash reserves
- Spread the cost - make repayments over an agreed term.
- Support business expansion - fund new premises, additional services, equipment or staff
- Predictable repayments - fixed repayments can make budgeting easier
- Things to consider
- Finance increases the overall amount you repay compared with paying for an investment outright
- Repayments must be affordable for your business
- The amount and terms available depend on your circumstances and lender criteria
- Security or personal guarantees may be required for some types of finance
- Your business may be at risk if you do not keep up with repayments
Costs
How much does a loan for doctors cost?
The cost of a loan for doctors depends on a number of factors, including the amount you borrow, the repayment term, the type of finance required and your individual business circumstances.
| Loan amount | Acceptance | Representative APR% | Total repayable |
|---|---|---|---|
| £50,000 | 24 months | 20% | £90,240 |
| £100,000 | 36 months | 15% | £131,040 |
| £150,000 | 36 months | 12.5% | £196,560 |
| £250,000 | 48 months | 10% | £349,440 |
| £500,000 | 60 months | 5% | £775,200 |
5%
What fees are there?
None hidden. Interest is built into your fixed monthly repayment — that’s the only cost.
Can I repay early?
Yes, at any time with zero penalties. You only pay interest for the period you held the loan.
Cost of Borrowing
What impacts the cost of doctor financing?
Lenders may consider factors such as:
- The amount you want to borrow
- The proposed repayment term
- Your business turnover and profitability
- Trading history
- Existing financial commitments
- Your credit history
- The purpose of the finance
- The overall affordability of the proposed borrowing
The process
How do I apply for a loan for doctors?
We’ve made applying for finance as straightforward as possible
Apply in minutes
Complete our online application and tell us about your business, what you need funding for and how much you require
Tell us about your circumstances
We'll review the information provided to understand your business and finance requirements
Receive your finance options
We'll assess your application and explain the finance options available to you, including the relevant costs and repayment terms
Get your funding
Once your application has been approved and the necessary documentation completed, your funds can be released.
Work out your loan
What would my doctor loan repayments be?
Use our finance calculator to get an illustrative estimate based on the amount you would like to borrow and your preferred repayment term:
Illustrative only. No finance offer or approval is implied. Your actual rate and repayments may differ and are subject to status and eligibility.
Your loan estimate
Illustrative only. No impact on your credit score.
Representative APR 18.9%. Subject to status and eligibility. For illustrative purposes only.
Your actual rate may differ. See full calculator
Features
Why should I use Acceptance for my medical financing?
We keep the application process straightforward, with finance designed around your business requirements.
£50k – £500k funding
Apply for the amount your business needs, subject to status and eligibility.
6–60 month repayment terms
Choose a term to repay your doctor loan that works for your finance requirements.
Fixed monthly repayments
You will always know what your agreed repayments will be throughout the term.
Flexible business use
Finance can be used for a range of business purposes, subject to the terms of your facility.
Early repay option
Repay your finance early without early repayment fees, subject to the terms of your agreement.
Human decisions
A real person reviews your application rather than relying solely on an automated decision.
Eligibility Requirements
What information do I need to apply for medical loans?
The information required will depend on the type and size of finance you’re applying for.
Business details
Your company or business registration details and information about your medical practice
Bank statements
Recent business bank statements can help us understand your trading performance and affordability
Turnover
Information about your annual business revenue helps us assess your ability to service the finance
Trading history
Your practice’s trading history may be considered as part of the application
Your details
We will need your contact information and details of your role within the business
Eligibility requirements may vary according to the finance product and individual circumstances.