At Able, we understand the challenges faced by care homes, dental practices, private clinics and other similar businesses. As an independent broker, we’ve provided commercial finance for healthcare businesses like yours that is tailored to the way the sector operates.

Get Started
Over £25 million

Finance facilities approved

25 Years

Knowledge and experience

Over 1000

Businesses helped

Why healthcare companies choose Able

Invest in specialist equipment without tying up valuable cash
Whether you’re purchasing dental chairs, imaging equipment, diagnostic technology or care home equipment, asset finance allows you to spread the cost while preserving working capital.

Bridge the gap between treatment and payment
Delayed NHS payments or insurance settlements can create unnecessary pressure on cash flow. Invoice finance can help release funds tied up in unpaid invoices, giving your business greater financial stability.

Fund expansion with confidence
Planning to open a second practice, refurbish existing premises or acquire another business? We can arrange funding that supports sustainable growth without placing unnecessary strain on your finances.

Access lenders who understand healthcare
Healthcare businesses operate in a highly regulated environment that isn’t always well understood by mainstream lenders. We work with specialist funders who provide commercial finance for healthcare businesses and understand your sector, assessing applications on their merits.

Meet payroll without draining reserves
Staff costs are your largest business expense. Payroll funding bridges the gap between your invoiced work and actual cash receipt, ensuring you can pay your team on time without depleting working capital or delaying patient care.

Protect your business against financial uncertainty
Unexpected delays, changing contracts or customer payment issues can all affect cash flow. We can help you access funding that keeps your business moving while protecting day-to-day operations.

Commercial Finance for healthcare

Every healthcare business has different priorities, which is why we take the time to understand your business before recommending the right funding solution.

Asset Finance
Fund new or refurbished clinical equipment, dental chairs, diagnostic technology, medical devices and care equipment without major upfront costs.

Secured Business Loans
Use commercial property or business assets to support expansion, acquisitions, refurbishment projects or larger capital investments.

Invoice Finance
Release cash tied up in NHS, local authority or insurance invoices to improve cash flow while waiting for payment.

Unsecured Business Loans
Access working capital for recruitment, compliance costs, refurbishment projects or day-to-day business investment without securing specific business assets.

 

What makes Able different

We don’t believe in one-size-fits-all funding. We take the time to understand your business and recommend finance that’s built around your objectives, helping you invest for the future while protecting your cash flow today.

Independence

We're not tied to any lender or product range

Understanding

We understand the challenges facing care providers

Whole market access

Specialist lenders who understand commercial finance for healthcare

Support

We manage the whole process and beyond

Experience

Trusted by companies across the UK

Why choose Able Commercial Finance

"From the initial contact with Able the whole process couldn’t have run smoother & more efficiently. Any questions we had were answered straight away they spent the time helping us access the right commercial finance solutions for our business."

Matt Harding, HSF

"I've worked with Able for a number of years and couldn't do without their expertise and guidance. I'd recommend anyone to get in touch with them if they are looking for commercial finance support. A great team to know."

Martin Rooney, Focused Nutrition

"Able CF has worked with a number of our clients and done a fantastic job helping them raise finance including loans, asset finance, and invoice finance to help them fund business growth. Their depth of understanding of the client’s business ensures the finance is tailored to their needs and affordability, and they do a great job at keeping everyone in the loop. I'd strongly recommend anyone to get in touch with them."

Jeremy Bostock BA(Hons) BFP FCA, Thompson Wright Accountants

"We have used Able CF to advise our clients over many years and assisted many hundreds of them to grow their businesses and in some cases fend off impending disasters. We have always been impressed by their knowledge and ingenuity in the financial markets, combining products that have served so many of our clients extremely well. The service has always been professional but also very personal and they go the extra mile. We always recommend Able Commercial Finance to our clients."

Peter Ainley, Ainleys Accountants

How we work together

1

Consultation - We take time to understand your business, it's challenges and funding needs

2

Structure - We build funding finance around your objectives and cash flow requirements.

3

Delivery - We handle the paperwork so you can stay focused on running your business

4

Support - We're part of your team and conduct regular reviews to ensure you have the best solution

FAQs

We are waiting for NHS or insurance payments. Can you help?
We're planning to acquire another practice. What funding options are available?
Our bank doesn't understand healthcare. Can you help?
Do you only work with care homes, or other healthcare businesses too?
Is asset finance available if we're a newly established practice without much trading history?
Can invoice finance help if only part of our income comes from NHS contracts?
How do you decide which lender is right for our business?

Get in touch

Let’s unlock your next stage of growth

Get in touch for independent advice and a fast decision.