GP & Private Medical Clinics
Buying a GP or private medical clinic?
We arrange the finance. You get the keys.
A GP or private medical clinic built around an established patient base and a stable clinical team is a genuinely fundable business — provided it goes to lenders who understand how medical practices generate and retain income. The wrong lender will struggle to see past the goodwill. The right one will assess the patient list, the fee structure, and the clinical team as the assets they are.
What lenders look at
Patient volume and retention are the foundation. Lenders want to see a stable, growing patient list with low attrition — evidence that income is recurring rather than transactional. For private clinics, the treatment mix matters significantly. A clinic generating income across multiple specialisms is a stronger proposition than one dependent on a single treatment type or a single clinician.
Clinician retention is a critical factor. Where the selling principal is also the primary income generator, lenders will scrutinise what happens to that income after the ownership change. A clear transition plan — associate agreements, retained clinical staff, patient communication — is essential to a confident lender response.
CQC registration status and inspection history are assessed carefully. A Good or Outstanding rating materially strengthens the application. Any conditions on registration require a direct explanation in the application narrative.
For GP practices, the NHS contract and its transferability are central to the underwriting. Lenders familiar with the sector understand the process — those who are not will treat it as an obstacle rather than an asset.
How we help
We are acquisition finance and loans brokers, not lenders. We package your application, present it to the funders with genuine medical sector appetite, and manage the process from first conversation through to completion.
We also arrange government-backed facilities for clinic acquisitions — helping buyers access up to £2 million toward their purchase where the criteria are met.
Every clinic acquisition is different. Tell us about the practice. We will take it from there.
For the wider funding options, explore business acquisition finance.
01 — Who we help
First-time buyers, experienced operators, and everyone in between
First-time buyers
People with relevant experience moving into ownership of an established private medical clinic.
Existing operators expanding
Owners acquiring another private medical clinic to add customers, capacity or a new location.
Management buyouts
Leadership teams buying the business they already know and operate.
Trade buyers
Related businesses acquiring a private medical clinic to broaden their existing offer.
02 — The opportunity
What can we help you buy?
We arrange acquisition finance and loans for gp & private medical clinics across the UK, including owner-managed businesses, established local operators and larger multi-site purchases.
Established independent businesses
Trading gp & private medical clinics with a proven customer base and clear financial history. The asking prices for leasehold and freehold GP and private medical clinics typically range from £100,000 to £1.5m.
Growing local operators
Businesses with capacity to expand through additional customers, services or locations.
Multi-site acquisitions
Purchases involving several locations or operating units under one transaction.
Management buyouts
Existing managers taking ownership with operational continuity already in place.
Trade sales
Acquisitions by related operators seeking scale, capability or market reach.
Businesses with property or equipment
Transactions where tangible assets can support the wider funding structure.
03 — The transaction
What can we finance?
The Business Purchase
Funding to buy a trading business, including goodwill and the business assets.
The Freehold
Funding for the purchase of the premises from which the business operates.
The Leasehold
Funding to buy a business operating from leased premises.
Fixtures, Fittings and Equipment
Where appropriate, funding can also take account of the assets required to operate the business.
Working Capital
Depending on the transaction, we can arrange funding for the initial working capital required after you take ownership.
Every deal is assessed on its own merits — not every element of every purchase will be financeable, and we'll tell you plainly what is and what isn't.
04 — The lender's view
What will lenders look at?
Lenders want to see a professionally prepared funding application. They want to know that the business is viable, that the proposed borrowing is affordable and that their loan can be repaid as agreed.
We use our proven iLendi Six™ method to build a strong funding application around the things lenders need to understand about your purchase.
Read more about the iLendi Six™05 — The funding
How much can you borrow?
Every purchase is different. The amount you can borrow will depend on the gp & private medical clinics, its trading performance, the purchase price, your circumstances and the transaction structure.
For this type of purchase, lenders will focus particularly on patient demand, clinician retention, regulation and treatment mix. We prepare those details clearly and approach funders that understand the sector.
We arrange funding across the UK and work with you to find the financing solution that best fits the purchase.
06 — The completion
The iLendi Approach
Three steps from finding the business to owning it.
01
The Discovery
You have just found the business you want. You tell us all about it.
02
The Finance
You need financing to buy the business; we find the money.
03
The Completion
We stay by your side through to legal work completion and the business is yours.
Common questions
Buying a GP or private medical clinic — your questions answered
How much deposit do I need to buy a GP or private medical clinic?+
Most GP or private medical clinic acquisitions are funded with a deposit of around 20% to 30% of the purchase price, though this varies with the strength of the trading figures, whether the deal includes freehold property, and your own experience. Where there is property security or a particularly strong trading history, lenders can sometimes go further.
Can I borrow against goodwill when buying a GP or private medical clinic?+
Yes. Specialist acquisition lenders will lend against goodwill where the trading history supports it, which is essential for leasehold deals with no bricks-and-mortar security. The application has to be presented so the underwriter can see the sustainable, transferable earnings behind that goodwill.
How long does it take to arrange finance to buy a GP or private medical clinic?+
Indicative terms are usually available within 48 hours of your enquiry. A full offer typically follows within two to four weeks, with completion driven mainly by valuation and the pace of the legal work on both sides.
Is iLendi Capital a lender or broker?+
iLendi Capital is an acquisition finance and loans broker, not a direct lender. We work with buyers across the UK to prepare their funding applications, introduce them to the lenders most likely to approve them, and manage the deal through to completion. We also specialise in government-backed facilities, helping you secure up to £2m toward your purchase.
Keep exploring
Related businesses we fund
Buyers of gp & private medical clinics often look at these neighbouring sectors too.
Found your GP or private medical clinic?
Let's find the finance.
Begin your funding process
Start with a conversation.
Tell us what you want to buy and an experienced funding specialist will call you back same day to discuss how we can help.
Other ways to contact us
Send an email:enquiries@ilendicapital.co.ukCall us: +44 (0)20 3488 8126We'll open WhatsApp with: "Hello iLendi Capital — I'm looking at buying a business and would like to talk."