New equipment and more capacity, without draining the practice
Clinics grow by spending on equipment and space long before the appointment book catches up. Compare offers from partners who back healthcare businesses, checking is a soft search, so your credit score stays put.
You treat today. You are paid once the claim clears.
That lag between care and payment is the defining feature of a practice’s cash flow. Patients are seen every working day, NHS and private insurer payments work their way through the system on their own timetable, and payroll, rent and supplies arrive on theirs.
It is why a busy, profitable practice can still feel short of working capital in a given month. Nothing is wrong with the business, the money is simply somewhere between the treatment room and the bank account.
EARNED ALREADY. NOT YET RECEIVED.Two pressures, and the shapes built for each.
Almost every request from a practice is solving one of two problems, and often both at once: spreading the cost of a major asset, or bridging the gap between care and payment. Owners regularly end up combining two of these rather than picking one.
Equipment that dates as fast as it costs
Imaging, diagnostic, surgical, dental and lab kit is expensive to buy and moves on quickly as the technology does. Equipment & asset finance spreads it across the life you will actually use it for, and the asset itself often acts as the security, which can make the deal more straightforward to arrange than borrowing with nothing attached.
THE ASSETRevenue that is earned but not yet paid
Care is delivered today while NHS and private insurer payments work their way through the system. Invoice finance advances cash against those unpaid claims, so payroll is not waiting on somebody else’s processing queue.
THE LAGThe ordinary weeks that come in light
Supplies, locum cover, a quarterly tax bill or a quieter month are exactly what a reusable buffer is for. A business line of credit sits unused until you draw on it, and you pay on what you take rather than on a lump you did not need.
THE BUFFERThe planned, larger step
A second site, extra treatment rooms, a full fit-out or a practice acquisition is a different kind of decision. Business term loan or working capital suits a cost that is known, planned and repaid out of the capacity it creates.
THE EXPANSIONEvery option is offered subject to the funding partner’s approval, and the amount, the term and the price are theirs to set rather than ours. You can see each of these side by side with every other funding type Capvant covers.
See which shape your practice actually qualifies for before you take a decision on any of them. Looking is a soft search.
Requests cluster around a few moments in a practice.
Recognising which one you are in is usually the fastest way to the right structure, because a funder can then respond to the actual decision in front of you.
Replacing or adding clinical equipment
Replacing an ageing imaging machine, adding a second chair, or kitting out a new treatment room. Financing or leasing keeps a large purchase from draining the reserves the practice runs on.
Bridging the reimbursement gap
Covering wages, supplies and rent while NHS and private insurer payments are processed. The work is done and the revenue is real, it simply has not landed yet.
Opening, fitting out or acquiring
A second clinic, new premises, a practice acquisition or a partner buy-in. Larger planned costs where moving at the right moment can matter as much as the price of the money.
The running costs that stack up
A quarterly tax bill, upgrading practice-management or records software, marketing to bring new patients in, or hiring a clinician ahead of the revenue they will eventually bring.
What is read before an offer is made.
Knowing what gets weighed helps you put your strongest request forward. The cleaner and clearer the recent figures, the wider the range of offers that tends to come back.
How long, and how steadily
Funders tend to look at how long the practice has been trading, revenue and the pattern of deposits, existing borrowing and the owner’s personal credit. Established practices are generally read as stable borrowers, because demand is steady and much of the income is NHS and insurer routes rather than purely discretionary.
THE PRACTICEPayer mix and the age of the book
Who pays you, in what proportions, and how old the outstanding receivables are. On an equipment deal the asset being financed matters as much as the practice, because it can be used as the security for the facility.
WHO OWES YOUA first clinic has less to show
Newer practices naturally carry less history, so funders lean more on the practitioner credentials, realistic projections and personal credit. Funding is still possible early on, with a narrower pool and more cautious terms, which is precisely when comparing several partners at once earns its keep.
EARLY STAGESpeed matters in this trade more than in most, because equipment fails and a chance to acquire a practice carries a deadline. Having offers ready to compare means you can act when it counts. The full path from first question to funds is set out on how Capvant works.
Pick the range the room, the fit-out or the gap needs, and see what comes back with no hard check while you look.
Frequently asked questions
Can a practice raise funding against unpaid NHS and insurer income?
Receivables and invoice financing advances cash against unpaid NHS and private insurer payments rather than waiting for them to settle, so payroll and supplies are not held up by processing times. Availability, the advance and the terms are set by the funding partner and subject to approval.
Can my healthcare business get funding through Capvant?
Yes. Capvant works with funding partners that fund healthcare businesses across the United Kingdom. One request matches you with the partners most likely to say yes.
What funding suits healthcare businesses?
It depends on your goal, common options include equipment & asset finance, business term loan, working capital, business line of credit. Compare them side by side and pick what fits.
Will checking my options affect my credit score?
No. Seeing your options through Capvant is a soft search, so it leaves no mark on your credit file. A lender only runs a full credit check if you decide to accept an offer.
Is Capvant a lender?
No. Capvant is a funding marketplace, we match you with funding partners and you choose the offer that suits you. Funding decisions, rates and terms are set by the lender, subject to approval.
How fast can I get funded?
Once you accept an offer, many businesses receive funds within a few working days, some products fund same day.
Equip the practice without draining it.
One request puts your practice in front of a network of funding partners. Comparing what comes back costs nothing and leaves your credit score exactly where it is.
No obligation. Checking your offers won’t affect your credit score.
Disclaimers & footnotes
- 1Capvant is a funding marketplace, not a lender. We match business owners with third-party funding partners; we do not make credit decisions, lend money, or set rates or terms. All funding decisions, rates, terms and approvals are made solely by the lenders in our network, subject to their criteria.
- 2Checking your options through Capvant does not affect your credit score. A lender may carry out a soft or hard credit search depending on the product, stage and your consent. A full hard credit check is only carried out where required by a lender before you proceed.
- 3Funding speed, including any reference to funding in as little as 24 hours, is typical for some products and lenders and is not guaranteed. Actual timescales depend on the lender, the product, and how quickly requested information and documents are provided.
- 4Funding amounts and ranges are indicative only and vary with your business profile, trading history, the lender and the market. Figures shown are not an offer of finance and do not guarantee any particular amount, rate or approval.
- 5Any offers, rates or repayment figures shown in illustrations or examples are for demonstration only and are not real quotes. Your actual offers, if any, are provided by lenders and are subject to approval.
- 6Product availability varies by market. Some products are only available in certain countries. Capvant currently serves businesses in the United States and the United Kingdom.
Capvant is not a lender and does not make credit decisions, we introduce businesses to third-party funding providers. Capvant is not authorised or regulated by the Financial Conduct Authority (FCA).
Capvant does not compare every lender, broker, funding product or offer available in the market. We only show options from funding partners in our network that may be relevant based on the information you provide.
Capvant may receive compensation from lenders, brokers, funding partners or referral partners when a customer is introduced, approved, funded or takes another qualifying action. This compensation does not guarantee that any lender will approve an application or offer specific terms. Capvant does not charge business owners a fee to compare funding options unless clearly stated otherwise.
If you access Capvant through a partner, introducer or embedded funding page, that partner may receive a referral fee or commission if your request results in funding. This does not increase your cost unless expressly disclosed.
Capvant is intended for business-purpose funding only. Eligibility may depend on entity type, location, trading history, revenue, industry and lender criteria. In the UK, Capvant currently focuses on limited companies, LLPs and plcs, and does not currently support sole traders or ordinary partnerships.
Information on Capvant is general information only and is not financial, legal, tax or accounting advice. You should consider whether funding is suitable for your business and seek professional advice where appropriate.
Calculators, eligibility checkers and funding-readiness tools are estimates only. They are based on limited information and assumptions, and do not represent a credit decision, quote, approval or recommendation.
Company information may be sourced from public registers such as Companies House, or from information you provide. Public register data may be incomplete, delayed or inaccurate and should not be treated as a full credit assessment.
The Business Credit Score by Capvant is an independent statistical assessment based on public register data. It is not provided by a credit reference agency and may differ from scores used by individual lenders.
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Some US commercial financing offers may be subject to state-specific disclosure requirements. Where required, additional disclosures will be provided and must be accepted before a transaction is finalised.