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Business Loans for UK Healthcare Providers

Healthcare Business Loans UK

From clinics to private practices and care homes, healthcare providers face rising costs for equipment, compliance, and staff, while NHS payment cycles and insurance reimbursements create unpredictable cash flow. Elect Capital delivers quick, unsecured funding to keep your services running without interruption.

Step 1 of 3

How much funding do you need?

£25,000£750,000

Applying is free and won't impact your credit score

4hrs
Fastest approval time
£750k
Maximum funding amount
Same Day
Funding available
0
Hard credit checks
Industry Challenges
The Funding Challenges You Know Too Well
We understand the unique financial pressures of your industry. Here's how Elect Capital helps.
Expensive medical equipment
Diagnostic equipment, treatment chairs, and technology upgrades are costly but essential. Fast funding means you don't delay investments that improve patient care.
Compliance and regulatory costs
CQC requirements, infection control, and data protection all add up. Compliance is non-negotiable and expensive. Working capital covers these costs without disrupting your cash flow.
Staffing agency costs
Covering shifts with agency staff is expensive. Working capital helps you bridge the gap between needing staff and affording permanent hires.
How It Works
Three Simple Steps to Get Funded
No branch visits. No weeks of waiting. Just a fast, transparent process built for business owners who value their time.
1. Apply in 2 Minutes
Complete a short online form with your basic business details. No paperwork, no branch appointments, and zero hard credit pull during the application.
APPROVED
2. Same-Day Decision
We evaluate your business revenue and trading history, not just a credit score. Apply before 2pm and receive an offer the same business day.
£
24,500
274,500
3. Funds in Your Account
Accept your offer, and capital arrives in your business account, often within hours. No waiting weeks for bank approvals.
Our Products
Funding Solutions That Fit Your Business
Every business has different capital needs. Whether you need to bridge a cash flow gap, invest in growth, or cover an unexpected cost, we have a product built for you.
Eligibility
Quick Check: Do You Qualify?

Most established UK businesses in your sector qualify. We look at your revenue and trading history, not just a credit score.

12+
Months in business
£25k+
Monthly revenue
£750k
Funding available
Funded
£125,000
Restaurant & Hospitality
ManchesterOct 2025
Funded
£85,000
E-commerce & Retail
LondonNov 2025
Funded
£250,000
Manufacturing
BirminghamDec 2025
Funded
£60,000
Healthcare
EdinburghJan 2026
In Practice
How Businesses Like Yours Use Elect Capital
Dental Equipment Upgrade
A growing dental practice in Manchester needed to replace ageing equipment across two treatment rooms. Elect funded the purchase within 24 hours, avoiding weeks of downtime that would have cost more than the equipment itself.
CQC Compliance Refurbishment
A residential care home needed urgent building improvements to meet updated CQC requirements. Traditional lenders quoted 4 to 6 weeks for approval. Elect approved same-day, and the refurbishment was completed before the next inspection.
Staffing Through a GP Shortage
A multi-site GP practice faced rising agency locum costs as permanent recruitment dragged on. Working capital from Elect covered three months of locum fees, buying time to recruit permanent staff without cutting patient appointments.
FAQ
Common Questions
Yes. Elect Capital funds UK-registered clinics, dental practices, GP partnerships, care homes, and other healthcare businesses that meet our eligibility criteria.
Absolutely. Equipment purchases, lease deposits, refurbishments, and technology upgrades are all common uses of our healthcare funding.
Yes, provided the business is UK-registered, has been trading for 12+ months, and meets our revenue criteria. We look at your overall business performance.
Healthcare providers can access between £25,000 and £750,000. The amount is based on your practice's monthly revenue and trading history, not the value of your equipment or property.
Apply before 2pm and receive a same-day decision. Funds are typically transferred within hours of accepting an offer. For practices facing urgent equipment failures or compliance deadlines, same-day funding is available.
No. Elect Capital does not run a hard credit check during the initial application. You can apply and receive an offer without any impact on your business or personal credit profile.
Yes. Recruitment costs, locum fees, training expenses, and early payroll for new hires are all eligible uses of working capital. Many healthcare businesses use Elect to hire ahead of increased demand or to cover gaps during staff shortages.
Yes. We fund a wide range of private healthcare and wellness providers including dental surgeries, optometry practices, physiotherapy clinics, cosmetic treatment centres, and allied health professionals, provided they meet our trading and revenue criteria.
Yes. Building improvements, infection control upgrades, accessibility enhancements, and other works required to meet CQC or other regulatory standards are all eligible uses of working capital.
You'll need your company registration number, basic business details, and recent bank statements. No lengthy business plans or clinical governance documents are required. The application takes around two minutes to complete.
Yes. UK-registered care homes, residential facilities, and domiciliary care providers are eligible to apply, provided they meet our 12-month trading history and £25,000 monthly revenue criteria.
The Elect Difference
Why Business Owners Choose Elect
We're a dedicated lender built from the ground up to serve UK SMEs with speed, transparency, and a human touch.
Transparency
Clear terms, no hidden fees, and open communication at every step. You'll always know exactly what you're signing up for before you commit.
Innovation
We use revenue data and cash flow analysis, not outdated credit models, to make funding decisions. Smarter underwriting means faster approvals.
Empowerment
Our UK-based team works directly with you. No call centres, no being passed between departments. One advisor, one relationship, one goal: getting you funded.
Work directly with Elect Capital. No matter your goal, our in-house funding advisors can help you find the right financing solution for your business.
Apply Now
Choose Elect.
Choose Growth.
Capital that moves as fast as you do. One click away from the next opportunity.
Apply NowPartner With Us
Elect Capital
hello@electcapital.com+44 20 8050 2023

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Elect Capital is a trading name of Elect Capital UK Limited, registered in England and Wales with company number 16106576 and registered address: B1 Vantage Business Park Old Gloucester Road, Bristol, Gloucestershire, England, BS16 1GW. Registered with the Information Commissioner's Office in relation to the processing of personal information, registration number ZB842935. We pay commission to other credit introducers for referring new customers. The commission amount may vary depending on the product, or other permissible factors.

Elect Capital UK Limited provides business funding solutions to UK SMEs, operating transparently in accordance with applicable laws and regulations.

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