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Public liability, employers' liability, professional indemnity, cyber, key person — what is legally required, what is genuinely useful, and what is over-sold.
Read guide →Short-term lending for healthcare and dental businesses
Dental practices, clinics and care businesses front the cost of equipment, consumables and locum cover before patient or contract income is received. Credicorp bridges that gap for UK incorporated healthcare businesses.
UK Ltd or LLP only · No personal guarantee · Decisions most working days
Recognise any of these?
- Consumables and lab work to pay before patient or NHS income is received
- Locum or agency cover needed before the revenue it generates clears
- A piece of clinical equipment failing and needing urgent repair
- Slow-settling contract or insurer payments leaving a working-capital gap
If so, a Credicorp short-term business loan could help you bridge that gap.
Which product fits?
Credicorp Business Loan Recommended for this sector
Healthcare cash-flow gaps are typically a known sum for a defined period — a specific cost now, with contracted income shortly after. A fixed-term loan gives certainty on the total cost.
- £50–£500 in one advance
- Fixed 14–84 -day term
- 0.25% per day simple interest + £5 establishment fee
- Total cost capped at 100% of principal
- No personal guarantee
- Most decisions same working day
Credicorp Slice — split a single bill
For one specific bill — a lab invoice, consumables order or equipment service — Credicorp Slice spreads it over 3 or 4 weekly instalments at a flat 6% fee, no compounding.
- Bills of £50–£2,000
- Flat 6% fee — no compounding
- 3 or 4 weekly instalments by Direct Debit
- Settle early and we refund the unused fee pro rata
Find your fit
Pick the borrowing that fits your business
Tell us what you need and roughly how much. We’ll point you to the right product — it’s a guide to help you choose, not a lending decision or a quote.
See the cost for your sector
A typical healthcare business might borrow £400.00 over 42 days. Adjust the sliders to match your own scenario.
This matches your needs? Start your application
Borrowing is expensive relative to bank lending. Only borrow if the cost is less than the gap it closes. Total cost capped at 100% of principal — you will never repay more than double. There is no personal guarantee; lending is to the company.
Who can apply?
- UK limited company or LLP (body-corporate lending only — not sole traders)
- 6+ months trading
- Current UK business bank account
- Director identity check (you, not the company, as the company's authorised representative)
- No personal guarantee required — the obligation is the company's
Guides for your business
Investments for a UK director — the basics, honestly
A first-principles guide to investing surplus money — for directors who want a sensible plan rather than a stock-tip spreadsheet.
Read guide →A founder's guide to UK startup funding — without the jargon
Grants, loans, equity, bootstrapping — the funding ladder for a UK micro-business, with honest pros and cons for each step.
Read guide →Common questions
- Can a dental practice or healthcare business apply for a Credicorp loan?
- Yes. Credicorp lends to UK incorporated limited companies and LLPs in healthcare — dental practices, private clinics, care businesses and allied health firms. Whether you operate privately or under NHS contract is not a pricing factor.
- Do companies in this sector need to provide a personal guarantee?
- No. All Credicorp lending is to the company — the UK limited company or LLP — as the sole obligor. There is no personal guarantee and no personal credit search on any director or shareholder.
- How quickly can a company in this sector get a lending decision from Credicorp?
- Applications are reviewed as they arrive during business hours. Credicorp aims to make a credit decision the same working day in most cases. Once approved, funds typically reach your company account the same day.
Credicorp lends to UK limited companies and LLPs under the body-corporate exemption (Articles 60B and 60L of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001). This is not consumer lending. The Financial Ombudsman Service and Financial Services Compensation Scheme do not apply. Full details: regulatory status and responsible lending policy.