Merchant Cash Advance for Healthcare Businesses
Private healthcare businesses — dental practices, aesthetic clinics, pharmacies, opticians, and physiotherapy practices — process significant card revenue from patient payments. A merchant cash advance turns this card revenue into upfront capital for equipment purchases, practice fit-outs, marketing campaigns, or working capital.
Healthcare businesses often have predictable, recurring card revenue from treatment plans and regular appointments, making them strong candidates for MCAs. The repayment automatically adjusts to your patient volume, providing natural cash flow protection.
Key Benefits
- Fund new equipment (dental chairs, lasers, scanners) quickly
- No impact on existing finance arrangements or property charges
- Repayments reduce during quieter periods (e.g. school holidays)
- Approval based on card revenue, not complex NHS contracts
Frequently Asked Questions
Does NHS revenue count toward the MCA?
Standard MCAs are based on card terminal revenue only. NHS payments (which come via BACS) do not count. However, many dental and healthcare businesses have significant private/card revenue alongside NHS income.
Can I fund a practice acquisition with an MCA?
MCAs are better suited for smaller capital needs (equipment, refurbs, marketing). For full practice acquisitions, commercial mortgages or practice acquisition loans are more appropriate and cost-effective.
What about CQC-regulated businesses?
CQC registration is not a barrier to MCA funding. The advance is based on your card revenue history, not your regulatory status. However, some lenders may ask about your CQC rating as part of their due diligence.
Can treatment plan payments be included?
If patients pay treatment plan instalments via card, those transactions count toward your card revenue. Direct debit-based treatment plans (e.g. via third-party finance) are not included.
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Open calculatorRelated Funding Options
Merchant Cash Advance UK
Get a lump sum advance repaid through a percentage of your card sales. No fixed payments, no property security. MCA for UK businesses.
Unsecured Business Loans for Healthcare
Funding for UK dental practices, clinics, pharmacies, and private healthcare businesses. Equipment, expansion, and working capital.
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