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Revolving credit facility for healthcare & medical

A revolving credit facility gives your business an agreed limit, from £10,000 to £1 million, that you draw from as needed. Practice owners use Rook Bristol revolving credit facility to buy imaging, diagnostic or dental equipment or refurbish surgeries to CQC standards, with rolling facility, reviewed periodically and decision within 24 hours; draw funds once the facility is live.

Apply nowAbout revolving credit facility
Check your eligibilityStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your finance manager.

£10K£1M
How long have you been trading?
What's your average monthly turnover?

Total money coming into your business account in a typical month.

What type of business is it?
Where should we reach you?

We'll use this only for your application.

Revolving credit facility for practice owners
Amount£10,000 – £1,000,000 limit
TermRolling facility, reviewed periodically
SpeedDecision within 24 hours; draw funds once the facility is live
PaymentsMonthly, based on the balance drawn
Best forCash-flow gaps, VAT bills, seasonal stock and unexpected costs

Common uses in healthcare & medical

  • Buy imaging, diagnostic or dental equipment
  • Refurbish surgeries to CQC standards
  • Bridge NHS and insurer payments
  • Recruit and onboard a new clinician
  • Acquire or open another practice

Why practice owners choose a revolving credit facility

NHS and insurers pay on their schedule

NHS contract payments, private medical insurers and local authority care fees follow their own timetables. Invoice finance and revolving credit bridge the wait.

Clinical equipment is expensive

Dental chairs, imaging, lasers and diagnostic systems can be spread over their working life with asset finance.

Regulation shapes spending

CQC standards and infection-control requirements can mean refurbishment on a timetable you don't set.

New clinicians take time to pay back

Adding an associate or practitioner pays off, but only after months of ramp-up.

How does a revolving credit facility work?

  1. 1

    Apply once online. We review turnover, cash flow and trading history, using Open Banking data alongside your credit file.

  2. 2

    Your finance team agrees a facility limit and explains the cost of drawing, in pounds, before anything is signed.

  3. 3

    Draw any amount up to your limit whenever you need it. Funds are sent to your business bank account.

  4. 4

    Repay monthly on what you've drawn. As you repay, that credit becomes available to use again without a new application.

What do I need to qualify?

  • 6 months trading
  • £10K+ in monthly turnover
  • A UK-registered business
Check my options

Other funding for practice owners

Questions, answered

Something else on your mind? Ask the team.

Can practice owners qualify for a revolving credit facility?
Many can. We typically look for a UK-registered business, 6 months trading and £10K+ in monthly turnover. We review healthcare & medical businesses with the sector's cash-flow patterns in mind. All finance is subject to status.
What is a revolving credit facility?
It is a flexible credit limit your business can draw from, repay and draw from again. Think of it as a business overdraft that sits outside your bank: you pay only on the balance you use.
How is it different from a business loan?
A business loan pays out one lump sum with a fixed repayment schedule, which suits a known, one-off cost. A revolving facility is reusable and suits recurring or unpredictable needs such as VAT quarters, seasonal stock and cash-flow gaps.
Do you finance clinical and dental equipment?
Yes. Asset finance covers new and used clinical equipment, from dental chairs and CBCT scanners to aesthetics lasers and diagnostics.

Want to partner with us?

Businesses, brokers and introducers: check eligibility in about three minutes, or talk to our team about working together.

Apply nowContact our team