Promise Money

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Funding for healthcare

Specialist whole-of-market lending solutions structured across 90+ UK lenders. Rapid decisions, direct underwriting criteria, and competitive terms for complex borrowing requirements.

Whole-of-Market Access: Over 10,000 specialist lending products
Fast Completion Speeds: Dedicated broker underwriting for time-sensitive deals
FCA-Authorised Guidance: 35+ years independent UK credit brokerage

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This is for a loan or mortgage in the Health Care sector

There is a huge demand from the high street lenders for Healthcare business at the moment Consequently there are some great deals to be done with lending against both bricks & mortar and business goodwill. If you are in this sector, below is an overview from just one lender – Note in some cases up to 100% of the B&M value and 90% of the goodwill

Dental Finance

100% LTV against freehold VP value
80% LTV against goodwill (not stock, fixtures and fittings)
Up to 25 year term where freehold part of proposal
Up to 15 years on goodwill only – dependent on lease terms
Max £1m funding available for goodwill or £1.5m where there are 3 or more sites

Pharmacy Loans

90% LTV against operating concern value where there is a freehold element
80% LTV against goodwill (not stock, fixtures and fittings)
Up to 15 year term available for both freehold and goodwill only

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Whole-of-Market Guidance for Healthcare Business Finance

Securing competitive terms on healthcare business finance requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.

Consequently, reviewing your healthcare business finance options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.

Specialist Underwriting & Whole-of-Market Access

Because specialist lending facilities require bespoke underwriting, comparing lenders across the UK is essential. Explore our complete guide to Secured Loans Desk to understand how different lending criteria apply to your requirements.

Promise Money is an independent credit broker authorised and regulated by the Financial Conduct Authority (FRN 681423). Our experienced team reviews your specific circumstances to secure optimal terms across 90+ UK lenders.

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Key Takeaways: Healthcare Business Finance Checklist

Additionally, property valuations can often be expedited using automated models, significantly reducing upfront costs and surveyor delays.

Furthermore, specialist secured loan lenders assess affordability using total household income and realistic expenditure assessments.

Consequently, homeowners can secure substantial borrowing amounts even with historic credit blips or non-standard employment income.

Therefore, working with Promise Money ensures you compare optimal rates and terms across 90+ UK specialist lenders.

Specifically, flexible repayment options—including fixed, variable, and interest-only structures—can be tailored to your monthly budget.

Moreover, your existing low-rate primary mortgage remains 100% untouched, avoiding early repayment charges.

In addition, loan proceeds can be used for home improvements, debt consolidation, tax bills, or major personal investments.

Crucially, borrowers facing adverse credit, defaults, or past CCJs can secure competitive homeowner loan terms through our panel.

In practice, our dedicated loan advisers manage the entire application from initial quote through to fund release.

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