NHS & PRIVATE
Dental Practices
NHS (UDA contracts), mixed, and fully private Denplan/fee-per-item practices.
- Up to 100% LTV for practice acquisitions (Goodwill + Fixtures/Fittings).
- Squat practice setup funding.
- Freehold property mortgages.
Acorn Commercial Desk · Healthcare & Professional Practices
Medical Practice Finance: Unrivalled Rates for Dentists, GPs, Vets & Pharmacies
Leverage your professional status to secure up to 100% funding for practice acquisitions, partner buy-ins, and freehold property purchases. Whole-of-market access to specialist healthcare lenders.
Prefer to talk? 0207 959 3882
Specialist Healthcare Sectors
Four Professional Practice Funding Routes
Each clinical discipline carries its own valuation method, income stream and lender appetite. We structure finance around the specifics of your sector.
NHS GMS CONTRACTS
GP Surgeries & Health Centres
Partner buy-ins, surgery expansions, and purpose-built medical centres.
- Valued on secure NHS GMS/PMS income.
- Long-term amortisation up to 25 years.
- Funding for capital extensions and DDA compliance.
HIGH YIELD CASHFLOW
Veterinary Clinics
First-opinion small animal practices, equine centres, and specialist referral hospitals.
- Funding to resist corporate consolidator buyouts.
- Equipment finance for MRI/CT scanners.
- Freehold acquisition for existing tenants.
DISPENSING CONTRACTS
Pharmacies
Community pharmacies with secure NHS dispensing volume and retail OTC sales.
- Goodwill funding based on prescription volume.
- Relocation and fit-out capital.
- Ownership transfer finance.
The Medical Lending Advantage
Why Lenders Favour Healthcare Professionals
Stable demand, contract-backed income, and regulated professional status translate into preferential leverage and rates.
Up to 100% Funding (Goodwill & Assets)
Because patient lists and NHS contracts provide historically stable cashflow, specialist lenders will often fund 100% of a practice acquisition or partner buy-in, requiring zero cash deposit from the acquiring clinician.
SIPP & SSAS Pension Property Purchases
Many medical professionals choose to buy their freehold surgery using their Self-Invested Personal Pension (SIPP) or Small Self-Administered Scheme (SSAS). The practice pays rent directly into your pension fund—completely tax-free—while the pension borrows up to 50% of its value to fund the purchase.
Partner Buy-Ins & Buy-Outs
Seamless capital structuring for succession planning. Whether you are a junior associate buying into an established partnership, or a senior partner extracting equity for retirement, we secure unsecured cashflow loans based on your projected profit share.
Interactive Tool
Practice Valuation & Acquisition Calculator
Estimate your practice valuation, maximum loan, and projected monthly repayment from turnover, EBITDA, sector and funding type.
£750,000
£180,000
Sector
Funding Required
Margin check: at £750,000 turnover, your £180,000 EBITDA represents a 24.0% operating margin — lenders typically look for 20%–35% in professional practices.
Estimated Market Valuation (Goodwill + Assets)£1,080,000
Estimated Maximum Loan Available (100%)£1,080,000
Projected Monthly Repayment£9,408
Valuation = £180,000 EBITDA × 6x sector multiplier = £1,080,000. Practice/Goodwill Acquisition advances up to 100% over 15 years at an indicative 6.5%.
Request Specialist Healthcare Pre-ApprovalIndicative illustration only. Medical practice valuations require a specialist lender appraisal and, where goodwill is included, due diligence on NHS contracts, patient lists and regulatory compliance. All terms subject to full underwrite and status.
Important Tax & Financial Advice Notice
Acorn Finance is a specialist credit broker authorised and regulated by the FCA (#660207), not a tax advisory firm or accountant. Medical practice acquisitions, NHS contract transfers, SIPP/SSAS commercial property purchases, Partnership Agreements, and Capital Allowances on specialist clinical equipment carry complex legal and tax implications. The information provided on this page is designed to highlight key structural concepts so you can lead an informed discussion with your specialist medical accountant or tax advisor.
Knowledge & Next Steps
Related Healthcare & Commercial Finance Guides
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Intercompany Loans Strategy Guide
Use OpCo/PropCo structures and documented intercompany loans for deposits.
Frequently Asked Questions