- Client: Profitable healthcare practice based in London
- Loan Type: Unsecured refinance with additional capital for equipment purchase
- Loan Amount: Circa £1.5 million
Enness was approached by a highly successful London-based medical practice seeking to refinance an existing unsecured business loan and raise additional capital to support expansion. The practice, operating under a partnership structure, was consistently profitable and had developed a strong and loyal client base. The partners were looking to modernise clinical facilities with new high-specification equipment and enhance overall operational efficiency to support continued growth.
The key challenge was identifying a lender comfortable with a partnership structure for a facility of this size. Many mainstream providers prefer lending to limited companies for higher-value transactions, limiting available options. In addition, the client sought a single facility that could refinance existing debt while also providing additional funding for investment, without requiring security or personal guarantees.
Drawing on our network of specialist lenders, Enness structured a Circa £1.5 million unsecured refinance and expansion facility tailored to the client’s needs. The new arrangement reduced annual finance costs significantly while releasing additional capital to fund the purchase of advanced clinical equipment. The solution enabled the practice to expand service capacity, streamline its financial commitments, and improve long-term cash flow efficiency.
Our expertise in professional practice finance and extensive lender network allowed us to identify the right funding partner for a complex structure. We regularly work with partnerships and LLPs in the healthcare sector, where standard lending criteria can often fall short. By leveraging our market insight, we were able to secure competitive, flexible terms that achieved significant cost savings and supported the client’s growth strategy without disrupting day-to-day operations.
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