Business Loans for Doctors and GPs
Business loans for doctors and GPs fund a partnership buy-in and a share of the surgery premises. A £120,000 property share is the case worked through below; a business loan is the wrong label if what you're really buying is the building.
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
When does a GP premises loan help?
Say the incoming partner's share of the building is £120,000, and their share of notional rent is £800 a month. Interest-only at an illustrative 9% is £900 a month, so the rent is already £100 short; the same sum on a 20-year repayment at 9% is about £1,080 a month. The £280 gap comes out of drawings, before repairs; a broker panel published premises loans at 8.99% to 19.08% in October 2026, and GP buy-in loans at 10.25% to 19.5%. Those are published ranges, not a quote; nine percent sits near the bottom of the premises band.
Providers
Which facility fits a GP partnership?
A premises loan for the property share
Use this when you're buying a slice of a building the practice occupies, and NHS premises money is part of the story.
A loan for the partnership capital
Use this when you're buying a share of the practice capital account, and the building is owned by someone else or isn't part of the deal.
Working capital for the practice
Use a shorter facility for locum cover, a tax bill, or a gap in the practice account. Don't use it to buy the freehold.
Consulting rooms and insurer delays, with no surgery to buy, sit on funding for private medical consultants. A theatre or a procedure room sits on finance for surgeons; all clinical professions are on healthcare finance.
The concession is the partner who never needed the building. If the deed lets you join without a property share, a premises loan is cost you don't have to take.
How do you get a GP premises loan in practice?
Separate the building from the profit share
Write down what you're buying: property, capital account, or both; the facility follows that split. A single blended number is difficult to underwrite.
Send the deed, the valuation and the rent statement
Add the practice accounts and the share you're taking; if cost rent is still in place, say when it ends. A lender will ask anyway.
Model the gap before you accept
If rent doesn't cover the repayment, decide whether drawings can; private rooms with no building attached are a different page. The map of clinical professions is healthcare finance.
You have been offered a property share and the rent looks short of the repayment. Model interest-only and repayment before you agree the price.
The partnership wants you on the deed now and on the building in two years. Don't borrow for the building today.
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Extra bits you might find useful..
Questions GPs ask before they borrow
The premises sum is the one that surprises new partners. The rest of the practice account is usually smaller.
What happens when the rent doesn't cover the new rate?
You subsidise the gap from drawings, or you change the loan. A longer term, or an interest-only slice, cuts the monthly figure and increases the total you pay. Partial repayment by existing partners can shrink the share you need to buy.
Get the rent letter and a current valuation before you agree a price from a few years ago. A stale valuation is how new partners overpay.
Who is the last person standing?
The partner left holding the building if everyone else retires. Lenders ask because the loan doesn't retire with the partner. A buy-back clause, a valuation formula and a notice period belong in the deed.
If the deed is silent, fix it before you borrow. The loan won't paper over a missing exit.
Should clinical kit sit on the premises loan?
No. A chair or a scanner can secure its own agreement. Parking it on the property loan uses up borrowing you may need for the building, and it's harder to refinance later.
Keep the quotes in two piles. Property in one. Identifiable kit in the other.
What if I only want private rooms?
Then you're not buying a GMS premises share. Session hire, indemnity and insurer payment delays are the consultant page, funding for private medical consultants.
Don't price a rented consulting room as if it were a surgery freehold. The security is different, and so is the term a lender will offer.
Borrow for the share the deed actually offers. A loan can't create a property stake the partnership hasn't agreed.
Related clinical practice guides
Private consulting rooms are funding for private medical consultants. Procedure rooms and theatres are finance for surgeons; the full list is on healthcare finance.
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