Finance for Surgeons in Private Practice
Finance for surgeons funds a private procedure room, theatre equipment, or the purchase of a clinic. A £48,000 fit-out is the case worked through below; a business loan is the usual facility when the building work can't secure the debt.
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
When does a surgeon's loan actually help?
A procedure-room fit-out of £48,000, repaid over 5 years at an illustrative 12% a year, is about £1,068 a month. You repay about £64,064 in total; a London clinic listing a minor-ops theatre at about £2,000 a day is one site's price, not a national rate. One day a week for 46 weeks is about £92,000 before staff; hire costs more across a full diary. It costs less if you operate one day a fortnight, because the loan doesn't shrink when the list is thin.
Providers
Which facility fits a private surgical practice?
Unsecured loan for the room and the gap
Use a loan for building work, the first months of staff, and a room that has almost no resale value.
Asset finance for theatre kit
Use an equipment agreement for lights, stacks, monitors and sterilising kit that a lender can identify on a quote.
A term loan to buy a clinic
Use a purchase loan when you're buying the practice, not renting sessions inside someone else's registration.
A GP premises share is a different job, on business loans for doctors and GPs. Rooms without a theatre sit on funding for private medical consultants; every clinical profession is listed on healthcare finance.
The concession is the empty list. The repayment stays due when a session is cancelled; hire moves with the diary. Borrowing doesn't.
How do you get surgeon finance in practice?
Separate the room, the kit and the purchase
Write down what is building work, what is identifiable kit, and what is the price of a practice. Mixing them into one facility is how files stall.
Send the GMC number and the indemnity
Add a quote for the fit-out or the supplier list, plus accounts if the clinic already trades. A new private practice with only NHS earnings needs a diary of the sessions you have actually booked.
Price hire against the repayment
If one day a fortnight of theatre time is cheaper than the direct debit, don't borrow for a room you'll barely use. Clinical professions as a set are on healthcare finance.
You have practising privileges and one booked day a week. Price the hire before you fit out a room of your own.
You're buying a day-case clinic with two other surgeons on the letterhead. The purchase loan and the kit agreement should stay separate.
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Extra bits you might find useful..
Questions surgeons ask before they borrow
The short answers are above. These are the ones that change the facility.
Does a surgeon need their own theatre?
Not at the start. Practising privileges let you operate inside a hospital that already holds the registration, and you stay self-employed. You pay for the session; you don't pay for the building.
Own the room when your diary is steady and the hire line is larger than the repayment. Check the CQC position before you assume a consulting room covers anaesthesia or cosmetic surgery.
How do lenders read a single-surgeon clinic?
They treat you as the asset. Income that stops if you're ill, or if you go back to a full NHS job, isn't the same as a clinic with several operators. A second name on the rota makes the file easier.
A seller who will keep a list nearby needs a covenant the lender can read. Without it, the price of the practice is mostly hope.
What should stay off the equipment agreement?
Walls, gases, ventilation and a recovery area. Those don't have a clean resale value. Put them on the loan, or pay them from cash you can afford to lock up.
Lights, stacks and sterilising kit can sit on asset finance for medical equipment, with a term that ends while the kit still has a buyer.
When is room hire at a registered hospital the better use of cash?
When you're testing private practice, or when you operate less than a day a week. The session fee stops when you stop booking. A fit-out loan doesn't.
Once the hired days cost more than the repayment, and the registration is clear, the room starts to make sense. Not before.
Use the row that matches the quote in front of you. Don't fund a theatre you'll use twice a month.
Related clinical practice guides
Rooms and insurer delays, without a theatre, are funding for private medical consultants. Partnership premises are business loans for doctors and GPs; the full set is on healthcare finance.
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