GP or Surgery Practice Funding

Sourcing a wide range of innovative and competitive finance and loan packages tailored to the needs of GPs and GP Practices

At Sterling Capital Reserve we recognise that the healthcare sector is different.

We can help if you are a GP or a GP Practice:-

  • Looking for Finance to build a new surgery or medical health centre?
  • Wishing to purchase your own practice?
  • Wishing to finance an expansion?
  • Looking for finance to build a new surgery or medical centre?
  • Looking to buy into a practice?
  • Requiring a loan for new equipment?
  • Disillusioned with your current financial lender?

We have many contacts within the major banks, together with specialist niche healthcare lenders, and we know the types of deals that are synonymous with this sector.

For GPs and GP Practices, we are able to arrange up to 100% funding (often this can include legal fees and internet roll up facility) for:

  • New surgery development
  • New Medical Centre Development
  • Property Acquisition
  • Property Refinance
  • Business Expansions
  • Partnership Buy in/Buy out
  • Fixtures and Fittings / Refurbishment
  • Practice Loans
  • Surgery building extension / redevelopment

You can be confident that we will source an appropriate funding structure for you.

In the current financial climate, even for working professionals such as GPs and GP Practices, it is not always possible to find a lender who will be flexible to changing circumstances. We have developed relationships with our lenders to such an extent that the underwriters do their very best to accommodate the most stretching of our customers' requirements.

We have had some notable successes obtaining funding and finance for GPs and GP Practicess, a few examples of which are described below. To see more examples, as well as our successes in other areas of the healthcare industry, take a look at our healthcare funding case studies.

GP and GP Practice Funding Case Studies

  • 100% LTV-partnership loan £464,000- refinance of GP surgery premises -capital and interest repayment basis over 25 years. 50% of loan could have been taken on an interest only basis. Enabled senior partner to take out some equity and enabled junior partner to join partnership loan with no capital buy in. Deal was somewhat better than current borrowing or what was then offered - in an attempt to retain the business - by their bankers.
  • 100% LTV – partnership loan £1,050,000 – refinance of GP surgery premises capital and interest repayment basis over 25 years. 50% of loan could have been taken on an interest only basis. Enabled senior partners to take out their equity. Deal was somewhat better than current borrowing or what was then offered - in an attempt to retain the business - by their bankers.
  • 100% LTV - partnership loan £850,000- refinance of GP surgery premises -capital and interest repayment basis over 25 years. 50% of loan taken on an interest only basis. Enabled senior partners to take out equity and junior partner to join partnership loan with no capital buy in. Deal was somewhat better than current borrowing or what was then offered - in an attempt to retain the business - by their bankers.
  • 100% LTV-partnership loan £900,000- refinance of GP surgery premises -capital and interest repayment basis over 25 years. 50% of loan could have been taken on an interest only basis. Deal was somewhat better than current borrowing or what was then offered - in an attempt to retain the business - by their bankers.
  • 100% LTV-partnership loan £1,038,000- refinance of GP surgery premises -capital and interest repayment basis over 25 years. 50% of loan could have been taken on an interest only basis. Enabled doctors to revise their pension planning (through own IFA’s not Sterling as we are not authorised). Deal was somewhat better than current borrowing or what was then offered - in an attempt to retain the business - by their bankers.
  • 100% LTV – partnership loan – £1,500,000 for – refinance of current borrowing – allow senior partners to take out equity – allow new partners to join without personal buy in costs – redevelop and upgrade premises including new extension. Repayable over 25 years - 50% of borrowing could be taken on a capital and interest basis for full length of the term.