The Flexible Healthcare Finance Company

Most business lenders want revenue to land in a predictable, monthly rhythm — but healthcare doesn’t always work that way. Insurers settle claims on their own timeline while NHS contracts tend to follow a different one altogether, and a piece of clinical equipment can go from essential to outdated within only a few years. As a specialist healthcare finance company, we assess practices and care providers on how the money actually moves, not how neatly it fits a template.

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Specialists in Commercial Finance for Healthcare

Private clinics, dental practices, and care providers operate in ways high-street banks rarely care to understand. From delayed insurer reimbursement and CQC-driven compliance spend to keeping pace with advances in equipment: things move fast. We work exclusively with lenders who assess healthcare businesses on their actual model, not a generic risk template, which is how we’ve built a reputation as the specialist healthcare finance company UK operators trust.

1.

We Factor In Reimbursement Delays

Insurers and NHS bodies don’t always pay on time. Our healthcare finance solutions look at underlying billing patterns, not just last month’s bank statement.

2.

Finance for the Equipment You Need

We arrange healthcare finance solutions that spread the cost of clinical equipment without draining your working capital. Just tell us what you need and we’ll do the rest.

3.

Working Capital for Staffing Pressures

Managing recruitment costs can be challenging. We’re the healthcare finance company that understands your most unpredictable outgoings.

4.

Track Record of Regulatory Knowledge

CQC ratings, GDC requirements, indemnity cover — we understand the compliance landscape clinics and care providers operate within.

“We’re in the construction business and in this industry, things can get tight at times. That’s why we spoke to the girls. They were really professional, very encouraging and kept me calm. They were always at the end of the phone or text message and they always replied back very promptly.”
Concrete Supplier, Northamptonshire
“I would absolutely recommend your services to other businesses. The professionalism and expertise of your team were invaluable in helping me achieve my goals.”
Maintenance Business, Wolverhampton
“Just wanted to say that recently we used Mills Commercial Finance – Samantha Elsby-Colton in particular – to check out some finance for our small company and she couldn’t have been more helpful in ensuring we got the right information.”
Hairdressers, London
“I do not generally send reviews as I rarely feel that my expectations have been met – never mind exceeded! On this occasion I am more than prepared to put in writing that you have exceeded my expectations by a country mile!!”
Joinery Business, Leeds
“Mills were excellent from start to finish in terms of communication and identifying the right package for the business. I would thoroughly recommend to anybody looking for funding.”
Retailer, Manchester

How We can Help

Whether its replacement imaging equipment or locum cover during a staffing gap, healthcare businesses need funding that flexes with clinical and regulatory demands. Here’s the range of healthcare finance solutions we can arrange for practices, clinics, and care providers.

Loans

Whether you’re opening a second practice or covering a compliance-driven refit, our healthcare finance solutions include secured loans with terms that reflect how clinical revenue actually arrives, not a standard monthly assumption.

ASSET FINANCE

Imaging equipment, IT upgrades, and surgical equipment are costly. We fund clinical equipment through lenders who understand that these assets hold their value differently to many other business assets.

Bridging Loans

Need to complete on a new practice premises or bridge a gap before an overdue reimbursement lands? Bridging finance moves at the swift pace healthcare practices need.

Overdrafts

Patient billing cycles and insurer payment terms rarely match your outgoings. An overdraft facility can smooth over the concerning gap between treating patients and getting paid for the treatments you’ve provided.

Fuel Cards

Running your own small fleet of vehicles for the likes of home visits or mobile local clinics? Fuel cards are a great option for consolidating billing and managing fuel spend across every vehicle on the road.

Invoice Finance

Waiting on an insurer or NHS body to settle an invoice shouldn’t slow your entire business down. Release the cash tied up in unpaid invoices as soon as they’re raised.

About Mills Commercial Finance

Business overdrafts should flex with your actual trading patterns, not just fit a generic template. Seasonal peaks, contract-based revenue, or rapid growth creating gaps…if your cash flow doesn’t follow neat monthly cycles, standard high-street criteria may not work for you. Manchester-based but operating nationwide, we match you with lenders who assess your business fundamentals.

FAQs

Yes, as a healthcare finance company we can arrange funding for dental chairs, imaging equipment, sterilisation units and almost any other clinical kit. When structured through our healthcare finance solutions, the asset pays for itself as it’s used rather than sitting as a lump sum on your balance sheet.

Newer practices and care providers often have limited trading history or a bumpy first year or two. That’s the nature of building a clinical business from scratch. We can help by presenting the fundamentals properly to the lenders we know look past the credit score, and that’s often enough to find a route forward.

Straightforward asset finance or overdraft facilities can often be arranged within days. Healthcare finance solutions involving invoice finance or larger loans typically take 1-3 weeks. More complex practice acquisitions will take a bit longer to structure properly.