March 17, 2026
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Best Business Loan Refinancing Lenders for the Healthcare Industry

Discover the best business loan refinancing lenders tailored for the healthcare industry. Compare rates, terms, and benefits to find the right fit for your healthcare business.
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Best Business Loan Refinancing Lenders for the Healthcare Industry
Abdus-Samad Charles
Finance Writer

Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses.

Best Business Loan Refinancing Lenders for the Healthcare Industry

For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-03-16.

1. Funding Agent

Funding Agent provides fast brokered access to a range of unsecured business loans suitable for UK SMEs across industries. It is typically suited to those needing quick comparisons and straightforward eligibility checks. The service offers lenders with varied speed and flexibility, often without requiring collateral or extensive financials.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Unsecured business loans, MCA Loans, Working capital
  • Industries: UK SME's

Pros

  • fastest and easiest application process
  • No collateral required

Cons

  • lower track record, only trading 1 year

Sources: Funding Agent

2. Shawbrook Bank

Shawbrook Bank is a UK bank that provides specialist lending and savings products, with a focus on secured loans typical for established SMEs. It is often suitable for businesses seeking term loans with flexibility in repayment and no early repayment charges. The bank's loans may require collateral and suit borrowers looking for structured terms within certain LTV ranges.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £350,000
  • Min APR: 14.1%
  • Max APR: 0%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Term Loans, Asset Finance
  • Industries: Healthcare, Real Estate, SME

Pros

  • No early settlement fees
  • Flexible repayment

Cons

  • High minimum loan amount

Sources: Source

3. Novuna

Novuna offers both secured and unsecured lending options aiming to cover diverse sectors and loan needs. It suits businesses looking for a broad range of loan sizes and terms with relatively fast approval. Novuna's flexibility includes loans backed by assets and unsecured products tailored to various repayment profiles.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £5,000,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Retail, Construction, Motor

Pros

  • Fast loan approval
  • Wide range of loan amounts

Cons

  • High APR for unsecured loans

Sources: Source

4. Fleximize

Fleximize targets small UK businesses, offering flexible loans that often combine secured and unsecured options. It is suitable for business owners needing adaptable repayment plans and transparent terms. Fleximize aims for speedy decisions with loans that balance flexibility and security considerations.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 10.8%
  • Max APR: 0%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Healthcare, Manufacturing

Pros

  • Flexible repayment options
  • No hidden fees

Cons

  • High APR on unsecured loans

Sources: Source

5. Elite Business Funding

Elite Business Funding focuses on start-ups and growing enterprises with cash flow-based loans and customised finance. It suits businesses seeking tailored products with simplified qualification. The lender offers various loan sizes with flexible durations, often without fixed APRs.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 6–60 months ⌛

Services & Industries

  • Finance Types: Cash Flow Loans, Start-up Loans
  • Industries: Retail, Wholesale

Pros

  • Wide range of loan options
  • Expert financial advice

Cons

  • No fixed APR information

Sources: Source

6. White Oak UK

White Oak UK is a non-bank lender offering asset-based and term loan finance tailored to SME needs. It is suitable for businesses that require varied loan sizes and pricing with options for secured financing. The lender provides flexibility in repayment and supports sectors like healthcare and transportation.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 7.5%
  • Max APR: 18.9%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Term Loans
  • Industries: SME, Healthcare, Transportation

Pros

  • No early repayment fees
  • Broad loan options

Cons

  • Complex application process

Sources: Source

7. Millbrook Business Finance

Millbrook Business Finance provides tailored financing across sectors with focus on customer service and flexible loans. It suits SMEs, including healthcare providers, looking for both asset finance and unsecured loans. Millbrook offers varied loan sizes with flexible repayment arrangements.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 12–72 months ⌛

Services & Industries

  • Finance Types: Business Loans, Asset Finance
  • Industries: Manufacturing, Healthcare

Pros

  • Wide range of loans available
  • Flexible terms

Cons

  • Higher APR for certain loans

Sources: Source

8. Aurora Capital

Aurora Capital connects businesses with lenders providing both secured and unsecured options. It suits UK SMEs that require tailored finance with competitive loan limits and quick processing. Aurora Capital supports a range of industries with diverse repayment frameworks.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 12%
  • Max APR: 0%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: General Business, Property

Pros

  • High loan limits
  • Quick application process

Cons

  • High APR for unsecured loans

Sources: Source

9. PMD Business Finance

PMD Business Finance offers a wide selection of business financing options through multiple lenders. It is ideal for SMEs seeking fast decisions and varied funding types. The provider supports loans with differing terms and speeds, typically without lengthy application processes.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varies ⌛

Services & Industries

  • Finance Types: Asset Finance, Construction Finance
  • Industries: Construction, Retail

Pros

  • No long application needed
  • Fast decision-making

Cons

  • Limited information on APR

Sources: Source

10. MCL Finance

MCL Finance specialises in unsecured loans and merchant cash advances designed for SMEs needing flexible borrowing. It is suitable for businesses in sectors like healthcare and hospitality seeking relatively fast access to funds. The lender typically offers minimal paperwork and various repayment options.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 5.9%
  • Max APR: 0%
  • Loan Duration: Varies ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Merchant Cash Advance
  • Industries: Hospitality, Healthcare

Pros

  • Fast funding
  • Minimal paperwork

Cons

  • Higher rates for unsecured loans

Sources: Source

How to choose

When selecting the best business loan refinancing lenders for the healthcare industry, consider the size of the loan and applicable APR to suit your budget. Evaluate lender eligibility criteria carefully and weigh the trade-off between application speed and loan flexibility. Match repayment schedules to your franchise’s cash flow and account for any seasonality. Check the types of collateral required and the availability of unsecured options. Always review any fees and early repayment policies before committing to a loan.

Conclusion

Choose your lender based on your specific refinancing needs. Banks like Shawbrook offer structured loans often suited for asset-backed borrowing, while brokers like Funding Agent provide access to multiple loan options quickly. Specialist lenders may offer flexible terms and unsecured products fitting particular business profiles. Assess each provider’s speed, flexibility, and security requirements to find a suitable match for loans around 200 thousand pounds or more. Always verify current terms directly with the lender before applying.

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FAQs

What is business loan refinancing in the healthcare industry?
Why should healthcare businesses consider refinancing their loans?
How do I find the best lenders for refinancing healthcare business loans?
Are there specific loan refinancing options for the healthcare sector?
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1Funding AgentFunding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching.£10,000–£1,000,000; 4%–20% APR; 3–60 months
2Shawbrook BankShawbrook Bank is a UK-based banking institution known for providing specialist lending and savings solutions.£25,000–£350,000; 14.1%–0% APR; 12–60 months
3NovunaNovuna offers innovative financial solutions, with a focus on providing business loans to various sectors.£10,000–£5,000,000; 6.9%–0% APR; 12–60 months
4FleximizeFleximize specializes in offering flexible business loans, focusing on small businesses across the UK.£10,000–£500,000; 10.8%–0% APR; 12–60 months
5Elite Business FundingElite Business Funding provides tailored financial solutions focusing on start-ups and growing businesses, including cash flow loans.£25,000–£10,000,000; 0%–0% APR; 6–60 months
6White Oak UKWhite Oak UK is a non-bank lender offering a variety of business finance options tailored to SME needs, from asset-based lending to term loans.£25,000–£2,000,000; 7.5%–18.9% APR; 12–60 months
7Millbrook Business FinanceMillbrook offers flexible and customizable financial solutions for various business sectors, focusing heavily on customer satisfaction and tailored finance.£10,000–£1,000,000; 4%–20% APR; 12–72 months
8Aurora CapitalAurora Capital matches businesses with lenders to secure tailored financial solutions, offering both secured and unsecured business loans.£10,000–£2,000,000; 12%–0% APR; 12–60 months
9PMD Business FinancePMD Business Finance offers an extensive range of business financing options, supporting SMEs with rapid access to funds through various lenders.£5,000–£5,000,000; 0%–0% APR; Varies
10MCL FinanceMCL Finance provides quick and flexible business loans, particularly known for its unsecured loan offerings to SMEs across the UK.£5,000–£500,000; 5.9%–0% APR; Varies
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