--- title: "Business funding for healthcare & dental — working capital for UK practices" description: "How short-term business finance fits UK healthcare and dental companies — equipment, surgery fit-out, refits and the lag before plans, insurers or the NHS pay. The company borrows, never the director: no personal guarantee, no charge over a home, no personal credit check. To apply, head to credicorp.co.uk." canonical: "https://creditcorp.co.uk/industries/healthcare/" locale: "en-GB" updated: "2026-06-21" --- # Business funding for healthcare & dental > How short-term working capital fits incorporated UK healthcare and dental businesses — private practices, equipment, surgery fit-out and payor lag. This is the Creditcorp brand front door at **creditcorp.co.uk** — it never takes applications, prices loans or accepts payments. The operating lender is **Credicorp Limited** at [credicorp.co.uk](https://credicorp.co.uk/); the company/legal detail lives at [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/). **Canonical URL:** **Last updated:** 21 June 2026 --- ## The sector in one line A practice does the work today and is paid on someone else's timetable — a plan provider, a private medical insurer, the NHS. Short-term finance covers the in-between, and on every product the **company** borrows, never the clinician. No personal guarantee. ## Who can borrow Credicorp Limited lends **only to bodies corporate** — UK limited companies (Ltd), LLPs and PLCs. The borrower is always the **company**, never the principal dentist, GP or clinician who signs. There is no personal guarantee, no charge over a home and no personal credit check on a director. This is exempt business lending, not consumer credit, and it is not for sole traders or personal loans. See [Lending and regulation](https://creditcorp.co.uk/lending-and-regulation/). ## Why healthcare & dental companies hit working-capital gaps - **Payor lag is the headline.** A mixed practice can be owed money at once by patients on a payment plan, a plan provider, private medical insurers and the NHS through UDA or contract reconciliation. Each settles on its own cycle; none move because your lab invoice is due. - **Equipment is expensive and time-sensitive.** Intraoral scanners, CBCT and imaging units, chairs, lasers, autoclaves — large, lumpy outlays, and a failed steriliser or dead chair can stop a surgery trading the same day. - **Fit-out and refurbishment come in stages.** A new surgery, an extra treatment room, a squat conversion or a refresh all cost up front and earn back slowly — including compliance work: ventilation, X-ray shielding, infection-control plumbing, CQC-ready layouts. - **The team gets paid on time, whatever the payers do.** Associates on a percentage, hygienists, nurses, reception and lab fees are fixed costs that don't wait for receivables to land. ## The kinds of finance that fit a practice These products are for working capital, not for buying the practice itself or for long-term asset purchases. Detail and current terms live on the operator site — no rates are quoted here. - **A one-off, known cost → [Business Bridging Loan](https://credicorp.co.uk/business-loans/).** An equipment deposit, a fit-out stage, a steriliser replacement, a single large lab run — a fixed sum for a fixed, short term when you can see the receivable that clears it. - **Recurring, uneven payor-lag gaps → [Credicorp Flex](https://credicorp.co.uk/business-credit-facility/).** A revolving line the company draws on when insurer and NHS remittances are slow, repays when they land, and draws again next cycle — interest only on what is drawn. - **A single chunky supplier or lab invoice → [Credicorp Slice](https://credicorp.co.uk/credicorp-slice/).** Spread one specific bill over a few weeks for a flat fee, with the supplier paid in full today. See the plain-English [products overview](https://creditcorp.co.uk/products/) or [compare the three](https://credicorp.co.uk/compare/). ## The company borrows — not the clinician Most principals have already put their name on the line: a personally guaranteed practice-purchase loan, equipment on a personal-guarantee lease, and a clinician's own credit file that indemnity, registration and future borrowing all lean on. Stacking a working-capital facility on top of that, in the director's own name, is exactly what a careful owner wants to avoid. With Credicorp the agreement is with the **company** — no personal guarantee, no charge over a home, no personal credit check on a director. ## A worked example (illustrative) A mixed NHS-and-private dental practice runs as a limited company. Its autoclave fails on a Monday; two surgeries can't run. A quarter's NHS reconciliation and plan-provider remittances are weeks out, the lab account is due, and payroll lands Friday. The principal won't dip into the savings that backstop the practice-purchase loan and won't sign another personal guarantee. The **company** takes a short-term facility, replaces the steriliser, covers the lab account, keeps both surgeries open and the team paid — then clears the facility when the NHS and plan payments land. The director's name was never on the agreement; no charge touched their home. Illustrative only, with no figures or rates implied. Whether a facility suits your practice, and on what terms, is decided by the lender on the day at [credicorp.co.uk](https://credicorp.co.uk/). ## Healthcare & dental funding questions - **No personal guarantee?** Correct — Credicorp lends to the company, not the director. No personal guarantee, no charge over a home, no personal credit check on a director. - **What can it fund?** Working capital: bridging payor lag; payroll and lab fees while receivables catch up; an equipment deposit or instalment; a fit-out or refurbishment stage. Not the practice purchase itself or long-term asset buys. - **Does NHS/insurer lag fit?** Yes — that gap is exactly what these products are built around. - **Is it consumer credit?** No — exempt business lending to bodies corporate only, under Article 60B of the FSMA Regulated Activities Order 2001. Not a personal loan, not for sole traders. - **Which product?** One-off known cost → Bridging Loan; recurring payor-lag gaps → Flex; a single bill to spread → Slice. - **Does this site take applications?** No — applying and account management happen on the operating lender, [credicorp.co.uk](https://credicorp.co.uk/). ## Related sectors - [Professional services](https://creditcorp.co.uk/industries/professional-services/) — fee-cycle and billing-lag funding. - [Beauty & wellness](https://creditcorp.co.uk/industries/beauty/) — appointment-led aesthetic clinics. - [Retail & shops](https://creditcorp.co.uk/industries/retail/) — for a dispensing or product side. - [All industries](https://creditcorp.co.uk/industries/) ## Next steps (all on credicorp.co.uk) - [Apply](https://credicorp.co.uk/apply/) — start an application on the live lender site. - [Compare the three](https://credicorp.co.uk/compare/) — pick the right product side by side. - [Contact the lender](https://credicorp.co.uk/contact-us/) — phone, email, post. ## Make sure you have the right Credicorp Creditcorp Group = **Credicorp Limited** (UK, company no. 16093826) + **CM Beyer Limited** (UK, company no. 17009212), with group-related **Credicorp Pty Limited** (Australia, ACN 679 428 605). It is **not** connected with, owned by or affiliated to Credicorp Inc / Credicorp Ltd of Peru & Bermuda (BCP, NYSE: BAP) or Banco de Crédito del Perú, to Credicorp Nigeria, or to Credit Corp Group Limited of Australia (ASX: CCP) — each a separate, unrelated company. --- © 2026 Creditcorp Group · Credicorp Limited (16093826) & CM Beyer Limited (17009212). Operating lender: [credicorp.co.uk](https://credicorp.co.uk/) · Group & brand: [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/).