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For equipment and fit-out, lenders typically look for established trading, manageable existing debt, and bank statements showing income consistency. Terms are often 12 to 84 months, with amounts commonly around £10,000 to £250,000. Decision time can be roughly 1 to 3 weeks, though extra detail about the equipment and the purchase can take longer. Lenders may request supplier quotes or invoices so the loan funds are clearly connected to the stated purpose, which can be easier to arrange when you know how equipment finance is typically assessed.

Working capital term loans typically suit practices that need support for short-term cash gaps, smoothing recurring spending against revenue collections. Commonly, lenders consider trading consistency and affordability for monthly instalments, often using recent bank statements and management or financial accounts. Typical amounts are approximately £25,000 to £300,000, with terms usually 12 to 60 months. You may see decisions around 2 to 4 weeks, and underwriting can extend if your accounts are more complex or seasonal—so it helps to review working capital loans guidance first.

Debt consolidation through refinancing focuses on how your practice manages existing repayments and whether the new instalment structure is affordable. Typical amounts are around £30,000 to £500,000, with terms often 24 to 84 months. Decision time is frequently 2 to 6 weeks, as the lender may review existing agreements and payoff calculations. If approved, funds may be used to discharge the old borrowing directly or reimbursed if already settled, then your practice repays the new lender monthly—effectively completing a business loan refinancing arrangement.