Goodwill Loans for Physiotherapists

Releasing the value in your practice

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Funding options


Talk to Rangewell – the business finance experts

Your practice generates wealth. At Rangewell, we can set up Goodwill Loans to let you benefit from it.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

Your physiotherapy practice generates wealth that is difficult for you to access. A Goodwill Loan could help give you access to the funds you have earned.

A physiotherapy business can be lucrative, especially if you have built up a reputation with sporting groups, or connections with private medical providers. But tax rules and the need to maintain your working capital mean you can’t access the wealth you have created without causing problems for yourself or your practice.

But there is a way to enjoy the results of your hard work - with a Goodwill Loan, or Cash Out. It can help you access the wealth you create, while leaving the cash in your business bank account untouched.

Many physiotherapists have found that they provide the simple way to enjoy their wealth now, without creating any threat to the future of their business.

What is a Goodwill Loan?

A Goodwill, or Capital Withdrawal Loan, allows certain professionals in the medical sector - including physiotherapists - to access the value in their business without withdrawing funds from it.

It lets you use the goodwill built up in your practice as the security for a loan, which you can use for a wide range of purposes. You can then pay back this loan at a particularly attractive rate.

What can you do with a Goodwill Loan?

A Goodwill Loan can bring you a sum comparable to your annual turnover, typically between £50,000 and £500,000, with repayment terms of up to 15 years.

There are a few limits on what you can do with your loan - you can’t use it to pay off your mortgage on your main home, for example. Otherwise, you can use the funds in almost any way that you wish, including:

  • Buying investment property in the UK
  • Buy property overseas for investment or leisure
  • Buying a second home
  • School or college fees
  • Buying another business, or a second property to expand your existing practice
  • To support retirement planning

“I wanted to put my kids through university. I couldn’t take the money out of the practice for the fees and accommodation, even though it was there, without running into problems with tax and cashflow. But with Rangewell’s help I found a solution.

With a Goodwill Loan it was not only possible to raise the funds I needed, it would make very good sense.

I  have four children, so university has been a big expense. I’m proud to have given them the help they needed”

Find out more about a Goodwill Loan for your physiotherapy practice. Call and talk to our physiotherapy business experts.

Other funding solutions for the physiotherapy profession include:

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Cash never leaves your business
    A Goodwill Loan leaves your business finances completely unaffected.
  • Versatile funding for any purpose
    A Goodwill Loan can be used for any purpose, from investment or buying property or simply for leisure.
  • No need for extra security
    Goodwill Loans are secured on the future performance of your practice - there is no need to put your assets or possessions at risk.
  • Competitive rate funding
    Goodwill Loans represent a cost-effective way to borrow, as repayment rates can be very competitive.
  • Early repayment options
    Some Goodwill Loan providers will accept early repayments, reducing the total cost of your borrowing - and letting your loan pay for itself.
  • Avoid tax implications
    Your Goodwill Loan will let you benefit from the value built up in your practice, with no tax implications for you or your business.

Download Rangewell’s free and detailed guide to Finance for physiotherapists

What types of finance are there - which do you need?

Why not all providers are equal - finding the one that’s right for you

The downsides to finance - and how to avoid them

How to arrange finance - what paperwork do you need?

Key terms explained

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Getting the right funding arrangement is essentialThere are many forms of business finance available. Getting the most appropriate type for the business needs of your practice is essential.
Your key equipment could be at riskIf you are unable to keep up repayments on a hire purchase or lease agreement, the equipment your practice depends on could be could be at risk.
Long-term financial commitmentsYou may not be able to pull out of a finance arrangement once set up.

Our service is:


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.