- Client: Profitable healthcare practice based in London
- Loan Type: Unsecured refinance with additional capital for equipment purchase
- Loan Amount: Circa £1.5 million
Enness Global was approached by a highly successful London-based healthcare practice seeking to refinance an existing unsecured business loan while raising additional capital to support continued expansion. Operating under a partnership structure, the practice had established a strong and loyal client base and maintained consistent profitability. The partners wanted to modernise their clinical facilities with new high-specification equipment while strengthening operational capacity to support future growth.
The main challenge was identifying a lender with sufficient appetite for a partnership structure at this level of borrowing. Many mainstream business lenders prefer higher-value facilities to be arranged through limited companies, which significantly narrowed the available options. The partners also wanted to combine the refinancing and additional investment into a single facility without providing property security or personal guarantees.
Enness Global leveraged its network of specialist business lenders to identify a suitable funding partner and structured a circa £1.5 million unsecured facility. The solution combined the refinancing of the existing borrowing with additional capital for the purchase of advanced clinical equipment, allowing the practice to manage its funding through a single streamlined arrangement.
The new structure also reduced the practice’s overall annual finance costs, improving cash-flow efficiency while releasing capital for investment. This allowed the partners to upgrade their facilities and increase service capacity without placing unnecessary pressure on day-to-day operations.
Enness Global’s experience in professional practice finance was particularly valuable given the partnership structure and requirement for unsecured funding. By presenting the practice’s profitability, established trading history and wider financial strength to specialist lenders, Enness was able to identify a bespoke solution aligned with the practice’s expansion plans.
The case demonstrates how specialist unsecured business finance can support profitable professional practices where conventional lending criteria may not accommodate the ownership structure or funding requirements. By combining refinancing with additional growth capital, the facility provided greater financial efficiency while allowing the healthcare practice to continue investing in its long-term development.
Disclaimer:
This case study is for illustrative purposes only and does not constitute financial, legal, tax or investment advice. Finance is subject to status, underwriting, affordability, business performance and lender criteria. Terms and outcomes will vary depending on individual circumstances and are not guaranteed.
Risk Warning:
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