Specialist Business Funding
Intelligent finance for professional practices
Structured debt solutions for legal, medical, dental, veterinary, optical, pharmacy and accountancy firms who need a partner that understands partner income, goodwill, and the realities of running a regulated practice.
Funding designed around specialist professionals
Whether you are buying into partnership, acquiring a practice, fitting out new premises or refinancing existing debt, your funding case is rarely “vanilla”. Income structures, drawings, goodwill and personal assets all need to be positioned correctly for the right lender.
Our role is to translate your story into lender language and interrogate the whole market – mainstream banks, specialist professional lenders and private structures – to see what is genuinely possible for your profile and timelines.
At-a-glance scope
- – Partner buy-ins and equity release
- – Practice acquisitions and mergers
- – Working capital & VAT loans
- – Fit‑out, refurb and equipment funding
- – Property purchase for owner‑occupiers
- – Consolidation of historic or expensive debt
Not all facilities will be available in all situations. Terms always depend on risk profile, security, affordability and lender appetite at the time of enquiry.
Specialist support for key professional sectors
Legal & Accountancy
Partner buy‑ins, working capital, PII and tax funding structured against drawings, profit share and retained earnings, with clear eyes on personal exposure.
Medical, Dental & Veterinary
Goodwill‑backed lending, surgery acquisitions and equipment finance, aligning lender appetite with NHS, private or mixed income profiles.
Pharmacy & Optical
Acquisition, refit and stock facilities supported by prescription volumes and wider group strategy, with an eye on covenant strength and exit options.
Business Finance Guide
The temptation is to start with “what product can I get?”. The better question is “what does the business need to achieve, and what level of risk and commitment is appropriate for the partners?"
- – Clarify your objective, time horizon and fallback plans.
- – Map existing facilities, covenants and security in one place.
- – Stress‑test affordability under realistic downside scenarios.
- – Consider the balance between personal and corporate risk.
- – Treat lender selection as a strategic decision, not a rate table.
Not everything is possible. We will tell you that early.
Our standard is simple: we will not dress up a marginal case to win a mandate. If the market cannot support what you want to do, we will explain why – and what would need to change for the numbers to work.
When a case is viable, we will then go out to the whole market – bank and non‑bank, secured and unsecured – to benchmark structures, covenants and pricing properly, not just headline rates.
All facilities remain subject to status, affordability, credit approval and lender criteria at the time of application. Terms may change and availability is not guaranteed.
Talk through a live scenario
If you are a partner, principal or FD considering a material funding decision, we can act as a sounding board before you go to market.
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