BUSINESS FINANCE

^Podiatry ^Clinic ^Funding

Q: Is Funding Agent a lender or a broker?

Funding Agent is both a business finance lender and a finance broker. We provide finance directly to eligible UK businesses and also help businesses access funding from a wider range of finance providers. Depending on your circumstances and the type of finance you need, Funding Agent may provide the funding directly or connect you with a suitable third-party lender.

Q: Will a lender treat a foot health practitioner like a podiatrist?

Often they won't. The protected titles sit on the HCPC register; a different qualification can still be a business, and it's a narrower set of lenders. Don't use a title you're not registered to use.

Q: When does nail surgery need CQC registration?

The published exception covers nail surgery under local anaesthetic, or without anaesthetic, in the terms CQC sets out. Broader podiatric surgery doesn't sit in that exception; if your expansion crosses that line, build the registration time into the loan. Don't open on a hope that the exception stretches.

Q: How is a domiciliary round assessed?

On the diary, the fees, the vehicle and the miles, not on a shop fit. Card takings still matter if patients pay that way; a leasehold unit is irrelevant if you're rarely in it.

Q: What handover does a lender want from a retiring owner?

A period of joint clinics, a patient list you can actually contact, and clarity on whether nail-surgery work is in the price. Patients book a podiatrist; they don't automatically book the next one.

Podiatry clinic funding covers a chair, a drill and an autoclave, a clinic fit-out, or a domiciliary round for an HCPC-registered podiatrist. Kit at £19,500 is the case below; a business loan fits the fit-out. The machines can sit on their own agreement.

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Fund the chair and autoclave without a card split

Check podiatry clinic funding

Generate offers

When does podiatry clinic funding help?

A chair, a drill and an autoclave at £19,500, repaid over 5 years at an illustrative 12%, come to about £434 a month and £26,026 in total. That kit can secure the agreement; the plumbing and the cabinets can't, so they belong on a separate loan or on cash. A card-split facility will usually cost more than this for the same machines; compare the total you repay, not the weekly take.

Confirm HCPC registration, not a similar title

Split nail surgery from wider podiatric surgery

Price a domiciliary round with mileage, not a shop fit-out

Which facility fits a podiatry clinic?

Asset finance for the chair and autoclave

Use an equipment agreement for the chair, the drill with extraction, and the autoclave.

Asset finance for the chair and autoclave

Equipment finance for podiatry clinics is that quote; nail surgery under local anaesthetic isn't the same regulatory step as wider podiatric surgery. Don't add a surgery fit-out to a chair order and call it one price.

A loan for a room or a second site

Use this for plumbing, cabinets and a second clinic, once the lease is long enough to justify it.

A loan for a room or a second site

A physiotherapy gym is a different clinic, on physiotherapy clinic finance; your fit-out has the same problem as theirs: little resale value, so a guarantee is usual.

Working capital for domiciliary work

Use a small facility for a vehicle, stock in the boot, and slow invoices, when the work happens in patients' homes.

Working capital for domiciliary work

Mileage belongs in the affordability; a shop fit-out doesn't. If most of the week is domiciliary, borrowing for a high-street unit is the expensive way to store a chair you rarely use.

A rehab gym and insurer contracts are physiotherapy clinic finance; the machines themselves are equipment finance for podiatry clinics. Clinical professions are on healthcare finance.

The concession is the card split; it moves with takings, which feels kinder, and the total repaid is often higher. Use it when income really swings; use the kit agreement when the machines are the whole point.

How do you get podiatry clinic funding?

Say clinic, round, or kit

A chair quote, a plumbing bill and a domiciliary diary are three facilities; pick the one that matches the week you work.

Send the HCPC number and the procedure list

Add the supplier quote, the lease if there's a shop, and a note on whether you offer nail surgery only or a wider surgical list. Annotation to supply medicines, if you have it, belongs in that note.

Compare a card split with the kit agreement

A split of card takings can feel flexible and still cost more in total. Price both. The profession map is healthcare finance.

Fund the chair and autoclave without a card split

Check podiatry clinic funding

Generate offers

You have a quote for a chair, a drill and an autoclave, and the room is already leased. Fund the machines. Pay the cabinets from cash if the lease is short.

Four days a week are home visits. Fund the round. A new shop fit is a second business you haven't proved.

View Our Case Studies

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November 2, 2026

Case Studies

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Read how Funding Agent secured a £200,000 Term Loan for an established business to support growth despite a complex two-way sweep account structure that hid true liquidity.

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Co-founder and CEO

James Laden

Extra bits you might find useful..

Questions podiatrists ask before they borrow

The title on the door changes the lender pool. The procedure list changes the regulator.

Why do lenders separate podiatrists from foot health practitioners?

Because the protected titles are on a statutory register, and the scope of practice is different. A lender isn't judging the care; they're judging which rules apply if something goes wrong, and which income they can evidence.

Apply with the title you hold. A file that blurs the two gets declined for a reason you could have avoided.

What should sit on the equipment agreement?

The chair, the drill, the extraction and the autoclave, if they're on one supplier quote and they can be removed. Plumbing, flooring and built-in cabinets stay off it.

A mixed quote is how clinics end up with kit finance that the lender then refuses to pay the builder from.

How do domiciliary miles change affordability?

They're a cost, not a detail. Fuel, a reliable vehicle and time between houses reduce the fee you keep. A lender who has funded shop pods before will overstate your profit if you don't show the miles.

Put a typical week in the pack: visits, fees, miles. It's more useful than a yearly turnover line.

When is a physiotherapy page the wrong place to apply?

When the work is nail care, a chair and an autoclave, even if you share a building with physios. Their page is the gym and the insurer book, physiotherapy clinic finance.

A shared reception doesn't make it one loan. Describe your register and your kit.

Need	Facility that fits	What to watch
Chair, drill, autoclave	Asset finance	Leave plumbing off the quote
Cabinets and a second room	Loan	Lease length, and a guarantee
Home visits	Small working-capital facility	Miles in the affordability
Wider podiatric surgery	Check CQC first	Not the nail-surgery exception