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Where Can Doctors and GPs Get the Best Business Loans?
Doctors and GPs often need partnership buy-in capital, surgery premises funding or equipment for consulting rooms. The strongest route is usually a practice or commercial lender, with asset finance for kit.
Begin with professional loans for doctors and professional practice loans, then use healthcare finance when the ticket is clinical equipment.
We compare UK lenders relevant to GP and doctor practice funding. Every facility, term, rate and speed figure below comes from the Funding Agent lender database (checked on 6 November 2026). Lenders without a full published metric set are left out. Approval isn't guaranteed.
| Lender | Facility | Term | Speed | Best for |
|---|---|---|---|---|
 Shawbrook | £25,000 to £350,000 | 12 to 60 months | 2 days | Term loans for established SMEs where security or track record supports the case. |
 Funding Circle | £10,000 to £750,000 | 1 to 24 months | 48 hours | Unsecured and term loans for established practices funding growth. |
 LendingCrowd | £75,000 to £5,000,000 | 12 to 60 months | 24 hours | Secured and unsecured business loans for established limited companies. |
 Tide Bank | £500 to £20,000,000 | 12 to 180 months | 24 hours | Bank business loans and asset finance including short-term and working capital products. |
 Close Brothers | £25,000 to £100,000,000 | 12 to 84 months | 24 hours | Larger asset and invoice facilities where turnover and security support mid-market tickets. |
 Ultimate Finance | £10,000 to £10,000,000 | 1 to 84 months | 24 hours | Asset and invoice finance for clinics that need kit and cash-flow cover. |
 Aldermore Asset Finance | £1,000 to £10,000,000 | 12 to 84 months | 48 hours | Hire purchase and asset refinance across vans, plant and clinic equipment. |
 Fleximize | £10,000 to £500,000 | 3 to 60 months | 24 hours | Secured and unsecured loans where directors can support underwriting. |
 iwoca | £0 to £1,000,000 | 12 to 60 months | 24 hours | Flexible working capital including revolving credit for trading practices. |
 Momenta Finance | £50,000 to £2,000,000 | 12 to 72 months | 48 hours | Secured and unsecured business loans plus cash advance where turnover supports it. |
What business loans do doctors and GPs use?
Common cases include:
- Partnership buy-in: capital to join or expand a practice.
- Premises: surgery purchase or refinance through commercial lending.
- Equipment and fit-out: consulting-room kit and room upgrades via asset finance or a mixed facility.
How do GPs and doctors compare lenders?
- Separate buy-in and premises from equipment quotes.
- Prepare partnership accounts, drawings and personal income evidence.
- Ask professions and commercial desks for written illustrations.
- Compare total cost, security and guarantee requirements.
- Confirm timing against completion dates on buy-ins or leases.
Related reading: professional loans for doctors, professional practice loans, healthcare finance, business loans.
Funding Agent
Lender panel150+ lenders
Average time to funding48 hours
Why it is included: Doctor and GP funding often mixes buy-in, premises and kit, so a panel can reach practice and asset desks together.
Funding Agent is a UK lender and a broker. It can lend directly and also works with a panel of 150+ lenders across business loans, asset finance and invoice finance, so one enquiry can reach several practice and equipment funders.
Best use case: When you'd rather compare practice and equipment options without applying one by one.
More info
Why it stands out
- A panel of 150+ lenders
- Business loans, asset finance and invoice finance
- An average of 48 hours to funding
Need to know
- Funding Agent is a UK lender and a broker.
- Where Funding Agent lends, it sets the rate, term, fees and decision. Where another lender provides the finance, that lender sets them.
- Approval isn't guaranteed.
Expert take
If the buy-in date is fixed, getting several illustrations in one pass is usually safer than a single hard search.
Shawbrook
Published facility range£25,000 to £350,000
Term12 to 60 months
Overview: Shawbrook is onboarded in the lender database with term loans and unsecured business loans. Metrics below are from that record.
Best next step: Check term loan criteria against your accounts and security position.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Term Loan
- Published facility range: £25,000 to £350,000
- Funding speed in the lender database: 2 days
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Shawbrook suits professional practices seeking a specialist bank term loan.
Funding Circle
Published facility range£10,000 to £750,000
Term1 to 24 months
Overview: Funding Circle is onboarded in the lender database with unsecured loans, term loans and revolving credit. Metrics below are from that record.
Best next step: Ask about a term loan or revolving facility against your filed accounts.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Growth Guarantee Scheme Loan
- Published facility range: £10,000 to £750,000
- Funding speed in the lender database: 48 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Funding Circle fits practices that want a term loan rather than asset-backed finance.
LendingCrowd
Published facility range£75,000 to £5,000,000
Term12 to 60 months
Overview: LendingCrowd is onboarded in the lender database with secured and unsecured business loans. Every facility, term, rate and speed figure on this card comes from that record.
Best next step: Prepare accounts and a clear use of funds before you apply.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Secured Business Loan
- Published facility range: £75,000 to £5,000,000
- Funding speed in the lender database: 24 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
LendingCrowd suits established practices seeking a published term-loan band.
Tide Bank
Published facility range£500 to £20,000,000
Term12 to 180 months
Overview: Tide Bank is listed in the lender database with asset finance, unsecured business loans, short-term loans and working capital products. Every facility, term, rate and speed figure on this card comes from that record.
Best next step: Speak to the business team with accounts and a clear use of funds.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Essential & Specialist Asset Finance
- Published facility range: £500 to £20,000,000
- Funding speed in the lender database: 24 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Tide Bank suits SMEs that want bank-style products with published facility bands.
Close Brothers
Published facility range£25,000 to £100,000,000
Term12 to 84 months
Overview: Close Brothers appears in the lender database with asset finance, refinance, hire purchase and invoice products. Metrics below are from that record.
Best next step: Prepare turnover and asset details before you ask for terms.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Asset Finance
- Published facility range: £25,000 to £100,000,000
- Funding speed in the lender database: 24 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Close Brothers fits established practices seeking larger asset or invoice facilities.
Ultimate Finance
Published facility range£10,000 to £10,000,000
Term1 to 84 months
Overview: Ultimate Finance is listed in the lender database with asset finance alongside invoice and trade products. Facility and term bands below come from that database.
Best next step: Match the facility to the asset invoice or debtor book you need to fund.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Asset Finance
- Published facility range: £10,000 to £10,000,000
- Funding speed in the lender database: 24 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Ultimate Finance works when a practice needs both equipment finance and working capital options.
Aldermore Asset Finance
Published facility range£1,000 to £10,000,000
Term12 to 84 months
Overview: Aldermore Asset Finance is in the lender database with hire purchase, finance lease, asset finance and refinance. Metrics below are from that record.
Best next step: Ask for hire purchase or refinance terms against the asset and settlement figure.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Asset Finance
- Published facility range: £1,000 to £10,000,000
- Funding speed in the lender database: 48 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Aldermore Asset Finance is a fit when the asset is clear and you want a specialist asset desk.
Source:https://www.aldermore.co.uk/business/business-finance/asset-finance/
Fleximize
Published facility range£10,000 to £500,000
Term3 to 60 months
Overview: Fleximize is onboarded in the lender database with secured and unsecured business loans. Metrics below are from that record.
Best next step: Confirm homeowner and trading history criteria before you apply.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Secured
- Published facility range: £10,000 to £500,000
- Funding speed in the lender database: 24 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Fleximize fits practices open to secured or unsecured term structures.
Source:https://fleximize.com/
iwoca
Published facility range£0 to £1,000,000
Term12 to 60 months
Overview: iwoca is onboarded in the lender database with unsecured loans, revolving credit and working capital products. Metrics below are from that record.
Best next step: Use a soft quote path first if you want to test affordability before a hard check.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Ecommerce Funding Working Capital Loan
- Published facility range: £0 to £1,000,000
- Funding speed in the lender database: 24 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
iwoca suits practices that need speed and a revolving or short-term facility.
Source:https://www.iwoca.co.uk/
Momenta Finance
Published facility range£50,000 to £2,000,000
Term12 to 72 months
Overview: Momenta Finance is onboarded in the lender database with secured and unsecured loans and business cash advance. Every facility, term, rate and speed figure on this card comes from that record.
Best next step: Match the product to whether you need a term loan or cash advance.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Bridging Loan
- Published facility range: £50,000 to £2,000,000
- Funding speed in the lender database: 48 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Momenta Finance suits established businesses seeking larger published term bands.
How do you choose a lender as a doctor or GP?
Use these checks before you sign:
- Published metrics only: every facility, term, rate and speed figure on this page comes from the lender database.
- Purpose first: match asset finance to kit and term loans to cash or buy-in needs.
- Total cost: compare fees and term length, not only the monthly repayment.
- Security: know whether a personal guarantee is required from the database record.
- Docs: keep accounts, quotes and settlement figures ready before you apply.
Who do these lenders suit?
- GPs funding a partnership buy-in or surgery project.
- Doctors opening or expanding private consulting rooms.
- Practices refreshing equipment alongside a working-capital need.
They suit less well for purely personal spending, or for cases with no accounts and no clear practice income.
Conclusion
Asset desks with fully published metrics include Close Brothers, Ultimate Finance and Aldermore Asset Finance. Term and working-capital options with fully published metrics include Shawbrook, Funding Circle, LendingCrowd, Tide Bank, Fleximize, iwoca and Momenta Finance. Only lenders with a complete metric set in the Funding Agent lender database are listed for doctors and GPs.
Funding Agent is a UK lender and a broker with a panel of 150+ lenders and an average of 48 hours to funding. Compare complete terms before you commit.
This article is for information only and isn't financial advice. Lender metrics were taken from the Funding Agent lender database on 6 November 2026 and can change. Approval isn't guaranteed.
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