Hospitals, Surgeries and Clinics

Private practice or NHS support, providing medical facilities requires investment.

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Funding options


Hire Purchase

  • Spread costs over 6-60 months
  • Rates from 6%
  • Undercut ’0%’ deals from equipment suppliers
  • Balloon payment options - reduce monthly outgoings


  • No capital requirement
  • Acquire any type of equipment
  • Asset refinance available
  • No upfront capital costs

Large-scale funding

  • Secured lending - from 2% above base rate
  • Raising funds with a commercial mortgage 2% above base rate
  • ‘Jigsaw’ funding
  • Practice Loans

Talk to Rangewell – the business finance experts

Many lenders can provide funding solutions for your hospital, surgery or clinic, but the right funding and the right costs are essential. At Rangewell we cover the entire market our expertise and contacts let us help you find the most competitive funding for your plans.

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.

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The healthcare sector is changing fast.

With private healthcare becoming more popular and even the NHS calling on private sector facilities, there is a growing demand for private hospitals, surgeries and clinics. To answer this need, and enjoy significant rewards, you need to be able to call on high levels of finance.

We are committed to helping businesses in the healthcare sector find the financial solutions they need to provide outstanding facilities at every level, from surgeries and clinics to full private hospitals.

Table of Contents

At Rangewell, we understand the needs of the private healthcare sector.

We work with healthcare companies across many sectors, and help find funding solutions for:

  • Hospitals and hospital-affiliated clinics
  • GP practices
  • Surgery centres
  • Cosmetic surgery facilities
  • Clinics

Funding options for private hospitals, surgeries and clinics

As experts in all aspects of business funding, we can work with you to find the right type of funding option to:

  • Buy premises
  • Buy an existing medical facility
  • Build specialist facilities
  • Provide equipment and assets
  • Provide operating finance

Buying premises for your hospital or clinic

Medical facilities can be provided in many types of location. A surgery or walk-in clinic may operate from dedicated premises or even a suite in a shared block in a town centre. A private hospital may be better suited to premises that stand in their own grounds in a semi-rural location.

Most will require parking and public transport nearby.

These types of premises may require substantial investment. We can provide a number of solutions to put the necessary investment within reach.

Property Leasing

Many types of property may be acquired through a long-term lease. Arranging a suitable lease may mean a large initial payment - we can help find lenders who can provide the necessary lump sums, as a Secured or Unsecured loan.

Property Purchase

Buying suitable property for your medical facility can provide an important asset for your business, and with the right arrangements may be arranged at monthly costs comparable to those of a lease

A Commercial Mortgage operates much like a residential mortgage. The loan is secured on the property itself and can run for 15 years or more. It can be used to buy land, and existing premises of all types. Unlike a residential mortgage, the rates for a commercial mortgage are arranged on an individual basis. Lenders will look at your financial situation and projections to establish a fair rate. Our knowledge of the lenders and rates available can be essential to achieve a competitive deal.

Find out more about Commercial Mortgages.

Bridging and Auction Finance

Bridging Finance is a short-term finance solution which provides a quick way to finance the purchase of a property. It can be used to secure property suitable for conversion to medical use, as well as existing medical facilities

The lender will take first charge and will seek repayment once the loan has come to term. It is usual to refinance bridging finance with a mortgage.

Auction Finance is a special type of bridging loan that lets you arrange funding in advance of an auction. Auction Finance can provide both the initial deposit due when the hammer falls, and balance of the hammer price, which most auction houses require within 28 days.

Building specialist medical facilities

Buying run-down property is not possible with conventional mortgage funding. Refurbishment Finance can provide the means to buy and convert property for medical use.

Property Development Finance takes things further, and can provide funding to buy property for conversion or demolition and redevelopment. It is usually only available for experienced developers with a record of success on similar projects, but if your medical business has a professional property team, you may be able to secure funding on the same basis as commercial developers.

Funding can range from single property projects to provide clinics and surgeries to major new hospital developments. Property development finance usually takes the form of a short-term loan and lenders may advance up to 70% of the gross development value.

Find out more about Property Development Finance.

Raise funds with a Commercial Mortgage on your hospital or clinic

If your organisation already owns property, a Commercial Mortgage can also be used to let you select large-scale funding.

By remortgaging an existing property your business can receive a cash lump sum comparable to its market value to use as you wish. So existing clinical premises could be used to raise funds to acquire other property or to provide equipment. You would simply make monthly mortgage repayments until the property becomes yours again.

Find out more about Commercial Mortgages.

Buy an existing medical facility

If you are looking at the costs of buying a clinic or small private hospital as a going concern you may be looking at funding of several million pounds. At Rangewell we are able to help you find lenders who can provide the level of funding that you need. Commercial Mortgages, and Mezzanine Funding care just two of the solutions available.

Contact us to find out more about funding for major facilities

Medical equipment costs

The cost of medical equipment has always been high. With high-technology new equipment such as CT suites, MRI scanners and Linear Accelerator Machines (linacs) becoming essential in many clinical settings, your equipment budget may be becoming stretched.

Most medical equipment costs can be covered by Asset Finance. Asset Finance is a blanket term for a variety of Hire Purchase and leasing arrangements, designed to let you spread the cost of equipment. They can provide attractive terms as lenders have their risks reduced by the security of the asset itself.

While the high cost of advanced medical technology makes asset finance an obvious choice for major devices, it can be equally suitable for the provision of routine items such as beds and gurneys.

Hire Purchase - spreading payments

Hire Purchase offers a straightforward way to spread the cost of providing your facilities with the equipment you need. You will need to put down a deposit, usually between 5%-25% of the total price, and repay the remainder, together with the interest, over an agreed period from 6 to 60 months.

You pay a fixed rate of interest and agreed monthly payments, making budgeting simple to align with your monthly turnover.

You may also have the option to structure your payments to fit your projected cash flow. You may be able to arrange smaller monthly repayments by agreeing to pay a final lump sum, known as a balloon payment, at the end of the loan period. This can help you reduce the costs if you are entering a period of planned growth, which you anticipate will provide you with a greater income in the future.

Equipment manufacturers and dealers will often offer HP arrangements during the sales process. These can look very attractive, and can even include 0% options, but these deals often mask hidden costs. You may be able to save money by paying cash, and arranging finance with our help. See how we can help you beat 0% finance deals.

Hire Purchase may be most suitable for items intended for long-term use. Your beds, for example, should be able to provide problem-free service for years to come, and might be a cost-effective choice for HP.

Leasing – avoiding capital costs

With a lease, equipment is owned by the finance company. You hire it for the period of the agreement. It remains their property, avoiding any need for capital expenditure from you. Monthly payments are fixed for the duration of the contract, and you can pay for your equipment from the income it generates each month. You may also be able to choose a lease which makes maintenance and repair the responsibility of the finance company.

Leasing may be suitable for high-cost complex equipment which may need to be replaced when technology moves forward. MRI scanners with costs in the millions are often leased by the facilities that use them.

Operating your surgery, clinic or hospital

Your surgery, clinic or hospital will present a number of operating costs. Skilled staff will need salaries paid, and suppliers invoices will need to be settled even when these may be a temporary cash shortfall.

Operating and growth finance solutions exist to provide the funds you need.

Working Capital Finance

Working Capital Finance is designed to boost the working capital available to a business. It's often used to provide cash to pay staff during the early weeks and months of opening a new medical facility. It is designed to be repaid in the short- to medium-term, once your business has achieved its target profitability.

Our finance experts can help solve your working capital needs.

Growth Finance

Large-scale finance can be vital if you have major plans to develop your medical business, such as acquiring a competitor or providing a new form of treatment. Growth Finance is a special type of funding designed to fund your growth plans.

Tax Loans for medical businesses

Large quarterly VAT bills or annual tax demands can cause problems with the cash flow of your medical business, particularly when that falls at the same time as other costs.

Tax Loans help you to spread the cost of your tax demands into affordable monthly payments, ensuring that your business does not have to go through cash flow difficulties because of a minor tax liability.

See how a Tax Loan can mean better control of cash flow with fixed monthly payments.

Why you need Rangewell to capitalise your medical business

At Rangewell, we can find the doctors finance you need, whether it is for a single piece of medical equipment, or a multi-million-pound loan to let you build a new hospital.

We know the lenders who can provide the most competitive funding to the sector.

As well as conventional loan products, we can help you find Alternative Funding, using new loan providers and innovative funding solutions.

Whether you have a straightforward, small-scale funding need, or require a complicated ‘Jigsaw’ funding plan made up of a combination of financial products, we can work with you to find the answers

Call us now to get our experts working for you and your medical business - from the finance to start a rehab centre to medical equipment financing and setting up a private medical practice.


  • Find the most competitive loan to let a partnership acquire an existing clinic

  • Arrange funding to equip an MRI suite

  • Source the most competitive funding for a full refurbishment of a radiography facility

  • Find the most competitive commercial mortgage for a private hospital

  • Help a partnership set up a fully fitted operating theatre for cosmetic body procedures

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

  • Lending tailored to your needs
    At Rangewell we use our expertise to help you find the most appropriate finance for any funding need your medical business presents.
  • Scalable finance solutions
    We can help you find funding scaled for any need, from individual items to a complete hospital.
  • Helping you acquire premises
    Your facilities must be in the right location for your patients.
  • Asset Funding
    Asset funding can provide affordable solutions for virtually any type of medical equipment.
  • Helping you provide the best treatment
    You must have the best equipment to provide the best treatment for patients. We can help you find finance you need.
  • Specialist lenders
    At Rangewell, we can help you find the most appropriate lenders for your medical business.

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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.