Do you offer property finance or commercial mortgages for clinics or care homes?
Short answer: We don’t arrange property finance or commercial mortgages — here’s what we do instead
No — Best Business Loans does not arrange property finance or commercial mortgages, including for clinics, GP practices, dental surgeries, or care homes. We don’t broker or supply loans directly and we do not currently support applications for property-backed lending or commercial mortgages. What we do is help established UK healthcare businesses explore non-property business finance options and connect them with suitable lenders or brokers who may be able to help with their trading needs.
If you are buying a freehold, refinancing an existing commercial mortgage, or seeking a development loan for a clinic or care home, you will need to speak to a specialist property finance broker or lender. Our role is to support your wider business funding journey for areas like medical equipment, refurbishment, sustainability upgrades, vehicles, working capital, or refinancing non-property assets. That way, you can strengthen day-to-day operations while you secure your mortgage through a specialist route.
Who we help and what we can support
We work with established UK businesses, including healthcare operators, that need finance for non-property purposes. Typical use cases include equipment finance for imaging, dental, or clinical devices, fit-out and refurbishment, sustainability projects, vehicles, asset refinance, or cashflow funding. You stay in control, compare matched options, and decide the best route for your organisation.
Why this matters for clinics and care homes
Healthcare property deals can be complex and time-sensitive. While your mortgage is handled by a specialist, parallel access to working capital or asset-based funding can protect cash flow, safeguard compliance upgrades, and keep your patient or resident services on track. We help make that part simpler by connecting you to providers actively lending in your sector.
Important compliance note
All information on this page is general and not financial advice. We aim to be clear, fair and not misleading, and we encourage you to seek independent, regulated advice for mortgages or property finance. Eligibility, terms, and costs depend on your circumstances and provider assessments.
Understanding property finance for clinics and care homes — and why you may need a specialist
What counts as “property finance” in healthcare?
Property finance typically refers to loans secured on commercial premises or development projects. For clinics and care homes, that might include freehold purchases, remortgages, leasehold lending with security, or ground-up developments and conversions. These products are complex, frequently require sector experience, and are usually assessed by specialist healthcare underwriters.
Why care homes and clinics are treated differently by lenders
Lenders consider regulatory oversight, occupancy risk, CQC ratings in England or the relevant devolved body, historical EBITDA, staffing stability, and local demand. They also weigh property-specific factors such as planning use class, compliance with building and fire safety standards, and capex schedules for future upgrades. For clinics, clinical governance, case mix, and payer mix can be relevant too.
Typical documents a mortgage specialist might request
Expect to provide at least three years’ filed accounts, management accounts, occupancy and fee reports for care homes, appraisal reports, CQC inspection history, CVs for registered managers, and detailed business plans. Independent valuations and building surveys are common requirements. Timelines can vary, and formal credit approval is always subject to status and due diligence.
Where we fit in
We don’t arrange these mortgages. However, we can help you explore non-property finance that complements your property strategy, such as equipment finance or cashflow support during a refurbishment or transition. That can ease pressure while your property application runs its course with a specialist adviser.
Alternatives to property finance we can help you explore for clinics and care homes
Funding categories we can match you with
- Equipment Finance: Spread the cost of medical devices, imaging, dental chairs, nursing equipment, IT, and clinical technology.
- Fit-Out and Refurbishment Finance: Fund theatre upgrades, treatment room refits, reception modernisation, accessibility improvements, or infection-control works.
- Sustainability Loans: Support energy-efficient lighting, heat pumps, solar panels, insulation, or HVAC upgrades to manage running costs.
- Vehicles & Fleet: Finance ambulances, mobility vehicles, community nurse fleets, or pharmacy delivery vans.
- Asset Finance & Refinance: Unlock value from existing equipment to release working capital without selling assets.
- Cashflow Loans: Cover seasonal fluctuations, regulatory upgrades, or short-term operational needs.
- Invoice Finance: For eligible B2B income streams, accelerate cash tied up in invoices to stabilise working capital.
When these options fit best
Consider equipment or fit-out finance when upgrading clinical capacity without draining reserves. Use sustainability finance to reduce utility costs and improve ESG credentials that matter to stakeholders. Deploy working capital solutions when patient or resident demand is strong but cash conversion is delayed.
Property works without a mortgage?
If you are conducting non-structural improvements within a leased or owned site, specialist fit-out finance may be suitable. This can sit alongside an existing mortgage arranged elsewhere. For property structural works or acquisitions, you should consult a specialist mortgage broker.
Related reading
If your upgrade involves contractors or refurbishment partners, our guide to building services loans explains routes that support works carried out by specialist trades. This can help you plan phased improvements and manage supplier payments more effectively.
How our AI-powered Quick Quote helps healthcare operators find suitable non-property finance
What to expect from the process
- Complete a Quick Quote: Share your business profile, purpose of finance, and required amount. It takes a couple of minutes.
- AI-driven matching: Our system analyses your details and aligns them with providers actively lending to healthcare businesses.
- Introductions to suitable providers: We connect you with lenders or brokers who may be able to help for non-property needs.
- Compare and decide: Review indicative terms, ask questions, and choose your preferred route. There’s no obligation to proceed.
Eligibility signals lenders may consider
- Length of trading history and consistency of revenue.
- Profitability or clear path to sustainable cash flows.
- Sector experience, governance, and regulatory standing.
- Existing commitments, asset base, and security posture where relevant.
Documents that speed things up
- Last two to three years’ accounts and recent management figures.
- Bank statements, aged debtor/creditor reports, and asset lists.
- Quotes for equipment or fit-out and a concise use-of-funds plan.
Important information
We are an independent introducer and not a lender. Submitting a Quick Quote is free and does not affect your credit score, although providers may conduct credit checks if you choose to proceed. We do not guarantee offers, approvals, or the lowest rates, and eligibility depends on provider assessments.
Next steps, FAQs, and key takeaways for clinics and care homes
What to do if you need a mortgage
Engage a regulated, specialist commercial mortgage broker with healthcare experience for property purchases, refinancing, or development. They can advise on structure, loan-to-value, covenants, and valuation approaches. Keep your operational financing separate and optimised for speed and flexibility.
What to do if you need non-property finance
Submit your Quick Quote with details of your project, timelines, and budget. Outline whether you need equipment, fit-out, sustainability, fleet, or working capital support. Our matching process will prioritise providers known to lend to healthcare organisations.
Frequently asked practical points
How long could non-property funding take? Some asset or working capital solutions can progress quickly once documents are ready, though timing varies by provider. Early preparation helps reduce delays. Timeframes are not guaranteed.
Can I combine finance types? Yes, many operators combine equipment, fit-out, and cashflow facilities. This helps align repayments with usage and revenue. It also prevents over-reliance on property-backed debt.
Do you charge me a fee? It is free to submit an enquiry, and you are under no obligation. If a lender or broker charges fees, they will explain them clearly before you proceed. Always read terms and conditions carefully.
Compliance and transparency
We follow the spirit of the FCA’s “clear, fair and not misleading” standard for promotions. We do not offer regulated mortgage advice and we do not arrange property finance. For property transactions, consult an authorised specialist.
Key takeaways
- We do not arrange property finance or commercial mortgages for clinics or care homes.
- We can help with non-property finance such as equipment, fit-out, sustainability, vehicles, asset refinance, invoice finance, and cashflow loans.
- Our AI-powered process connects you with suitable providers for your specific needs.
- For property purchases or refinancing, speak to a regulated healthcare mortgage specialist.
- It’s free to submit a Quick Quote, with no obligation and transparent next steps.
Ready to explore your options?
Tell us what you need and get matched to relevant providers for your clinic or care home. Complete your Quick Quote to check potential eligibility and next steps. Fast, secure, and simple for established UK healthcare businesses.
About Best Business Loans
BestBusinessLoans.ai helps established UK businesses discover suitable finance options through AI-driven matching and a curated network of lenders and brokers. We do not lend or provide regulated mortgage advice. Information here is general and for guidance only; always seek appropriate professional advice where required.
Updated: October 2025