Professional practice finance for dentists, vets, solicitors and accountants
Practices are the one trading business banks will lend against without a deposit, if the profession and the accounts are right. 33 of the 45 commercial mortgage lenders on our panel lend on professional practices, 29 on healthcare premises, and 26 asset finance lenders fund the chairs, scanners and surgery kit inside.
We introduce limited companies and LLPs to the lenders whose practice criteria fit the profession, the premises and the goodwill you are buying. Free to you, and nothing goes anywhere without your say-so.
The practice panel in numbers
Distinct lenders on our panel with a live product for each part of a practice deal.
33
of 45 commercial mortgage lenders lend on professional practices
29
lend on healthcare premises
26
of 38 asset finance lenders fund medical and dental equipment
22
asset finance lenders fund a surgery or office fit-out
25
asset finance lenders fund practice IT and software hardware
36
commercial mortgage lenders lend on offices, for legal and accountancy premises
Counts are distinct lenders on our panel with at least one live product matching the criterion, checked September 2026. Panel composition changes over time, and meeting a criterion is not an offer: every case is subject to the lender's own checks.
What rates run at on our panel
Commercial mortgage pricing on our panel at a common benchmark, cleaned of outliers. Practice lending from the specialist banks often sits at the lower end because the income is regulated and recurring.
Annual rate at 70% LTV
4.6% to 11.4%
median around 7.3% across 402 products
Maximum loan-to-value
typically around 75%
up to 100% of purchase price for some professions with a small number of lenders
Spans cover the products on our panel as at September 2026, after removing implausible outliers, and describe the market we place cases into, not an offer to you. Your rate depends on the lender's assessment of your case. Panel composition and pricing change over time, and we introduce rather than advise.
Where practice deals are decided
Profession and registration
GDC, RCVS, GMC, SRA or ICAEW standing is the first gate. The lenders that go to 100% do so because a registered professional with a recurring fee base is a low-default borrower, and they check the register before they read the accounts.
Goodwill versus bricks
A practice purchase is mostly goodwill. Specialist lenders value it from the accounts (fee income, NHS contract, private mix); general lenders will only lend against the freehold. Knowing which lender does which saves weeks.
The accounts
Three years of practice accounts, the current year management figures and, for a purchase, the vendor accounts. Lenders size on sustainable profit after a market-rate salary for the principal, not on turnover.
Structure
Sole practitioner, partnership, LLP or limited company, and whether you are buying the whole practice, a share of it, or the premises alone. Each has a different borrower and a different security package, and some lenders only do one of them.
A note on who we take on
We currently work with UK limited companies and LLPs only, for business and commercial purposes. We complete non-regulated introductions and are not authorised by the Financial Conduct Authority. We do not arrange regulated residential mortgages or lending secured on a home someone lives in.
The panel behind this page
Practice cases go to the 33 lenders on our commercial mortgage panel of 45 that lend on professional practices, and to the asset finance panel for the equipment inside, part of 200+ lenders across all products. That range matters more than any single rate: the lender that suits a five-year-old limited company with clean accounts is rarely the one that suits a seasonal business or a director with a past blip, and a broker with a shallow panel has to force your case into whichever box it holds.
Names you may recognise on the panel
Examples from our panel as at September 2026, not an endorsement of any lender and not the full list. We check criteria first and put your case only to lenders whose requirements you fit. The full panel by product is in our lender directory, and how we choose is set out on our how we work page.
Frequently asked questions
How many lenders fund professional practices?▼
On our panel, 33 of the 45 commercial mortgage lenders will lend on a professional practice, and 29 will lend on healthcare premises specifically. On the equipment side, 26 of 38 asset finance lenders fund medical and dental equipment. Figures checked September 2026; panel composition changes over time.
Can I really borrow 100% of the practice price?▼
For some professions, with some lenders, yes. Dental, veterinary, medical, accountancy and legal practices are the one corner of commercial lending where a small number of banks lend up to 100% of the purchase price, because the income is regulated, recurring and rarely fails. The rest of the panel treats a practice like any other trading business and wants a deposit of 20 to 30 percent. Which camp you land in depends on the profession, your qualifications and the practice accounts, and it is the first thing we check.
How is goodwill financed?▼
Most of what you pay for a practice is goodwill (the patient or client list and the fee income) rather than bricks. Specialist practice lenders lend against goodwill on the strength of the accounts and your professional standing; general commercial lenders mostly will not. That is why the same purchase can be a straightforward deal with one lender and impossible with another, and why the lender list matters more here than the headline rate.
Can I finance buying into a partnership?▼
Yes. A partner buy-in is usually a personal borrowing by the incoming partner, secured against their share and often supported by the practice accounts. Where the vehicle is a limited company, the company or the individual can borrow depending on the structure. Lenders will want the partnership or shareholder agreement, the practice accounts and evidence of your qualifications and registration.
What do lenders check for a healthcare practice?▼
The regulator position first: CQC registration for a medical or dental practice in England, the equivalent bodies elsewhere, and any inspection history. Then NHS contract value where relevant, private fee mix, the accounts, and the premises lease or freehold. A recent adverse inspection narrows the field quickly, so tell us early.
Is practice finance regulated by the Financial Conduct Authority?▼
Lending to a limited company or LLP for business premises and goodwill is generally unregulated commercial lending. A personal buy-in loan to an individual can be different, and regulated residential mortgages are a separate product we do not arrange. CapExpand introduces limited companies and LLPs on a non-regulated basis and is not an FCA-authorised firm.
Related guides
Important information
CapExpand Ltd is not authorised by the Financial Conduct Authority and can only complete non-regulated introductions. We work with UK limited companies and LLPs only, for business and commercial purposes. We are not a lender and we do not provide financial, tax or legal advice. We do not arrange regulated residential mortgages, consumer buy-to-let mortgages or any other regulated mortgage contracts. We work with a panel of lenders whose particulars are available on request, and we receive commission from the lender if a deal completes, at no cost to you. All lending is subject to status, valuation where applicable and the lender's own checks.
Registered office: Pure Offices, Lake View Drive, Annesley, Nottingham, NG15 0DT. Company No. 14433858.
Tell us about the practice
Profession, what you are buying (whole practice, a share, or the premises), the accounts you have, and your timescale. We come back with the lenders whose practice criteria fit.