Acorn.finance / Healthcare & Medical Finance
Specialist Healthcare & Medical Practice Finance
Institutional commercial mortgages and practice acquisition funding for Doctors, Dentists, Pharmacists, and Care Operators across the UK.
No credit bureau searches at this initial stage.
Head Office: 0207 959 3882Security built around your practice
12-Month Valuation Validity
Healthcare valuations can remain valid for 12 months, subject to rolling 3-month management accounts and CQC checks. Availability depends on the lender and case.
Hybrid Security Packages
Tangible property security is required, with bricks and mortar evaluated on MV1. Funding structures can permit goodwill value to substantially exceed physical asset value, subject to valuation, serviceability and lender approval.
Specialist lending criteria
Four sectors. Specialist underwriting.
These are indicative criteria for selected specialist lenders, not standard market-wide terms or an offer of finance. Property and goodwill limits are assessed separately and must not be added together.
Dental Practice Finance (NHS & Private)
| Property lending | Up to 95% LTV. |
|---|---|
| Goodwill lending | Up to 100% for practices with >66% NHS income; up to 90% for predominantly private practices (<66% NHS). |
| Goodwill amortisation | 5–20 years, aligned to the lease / NHS contract. |
| Debt service cover | Minimum 145% DSCR. |
| Ownership | Majority ownership must be held by registered / practising dentists. |
| CQC Requires Improvement | Turnaround supported where the operator has a proven track record of Good ratings and a structured improvement plan, or 2+ years’ experience at Good level under the Growth Guarantee Scheme (GGS). |
All maximum LTVs, terms, stress tests and turnaround routes remain subject to individual lender criteria, independent valuation, affordability, regulatory checks and credit approval. GGS support is subject to scheme and lender eligibility; it does not guarantee approval. Security may be at risk if repayments are not maintained. Commercial mortgages and business lending are not all regulated by the FCA.