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Get my 3 quotes →Market Invoice compares the UK providers that fit this need, and you can get 3 free quotes through eCapital, our introduction partner. UK private healthcare practices, dental practices, and aesthetic clinics combine high-volume small private patient invoicing with bulk monthly insurer settlements (BUPA, AXA Health, Aviva, Vitality). Close Brothers Invoice Finance handles this mix natively with each agreement individually priced, with sister Close Brothers Asset Finance for clinical equipment cross-sell through a single group relationship.
Close Brothers Invoice Finance (FTSE 250 banking group) is a leading UK option for established private healthcare and dental practices. Mixed private patient + insurer receivable handling, individually priced agreements, sister Close Brothers Asset Finance for clinical equipment cross-sell. More detail + scope
This page covers
Close Brothers Invoice Finance for healthcare and dental, private patient + insurer receivable handling, clinical equipment cross-sell, typical pricing for healthcare
Not covered here
Provider review across all sectors (see /providers/close-brothers/), NHS-only healthcare finance, pure consumer veterinary practices
Healthcare practice providers compared
| Provider | Healthcare strength | Best when |
|---|---|---|
| Close Brothers | Mixed private + insurer receivables; individually priced; advances up to 90%; sister asset finance for clinical equipment | £750k+ turnover established private practices with mixed payor mix and equipment refresh plans |
| Bibby | Invoice finance; no published minimum turnover | Under £750k turnover |
| Ultimate Finance | Invoice finance; no published minimum turnover | Under £750k turnover |
| Lloyds Healthcare | Specialist healthcare M&A lending | Practice acquisition or partner buyout funding |
When Close Brothers Wins for Healthcare
- Established UK private dental, aesthetic, or specialist medical practices
- Mixed private patient + insurer (BUPA, AXA Health, Aviva, Vitality) payor mix
- Practices planning clinical equipment refresh (dental chairs, CBCT, ultrasound, laser)
- Multi-site practice groups with operational scale
- £750k+ turnover (Close Brothers' published minimum) with consistent monthly billing pattern
When to Look Elsewhere
- NHS-only contractor practice, specialist NHS contractor finance routes
- Pure consumer veterinary or aesthetic practice with no insurer revenue, MCA or working-capital flexi-loan may fit better
- Under £750k turnover, ask Bibby or Ultimate Finance (neither publishes a minimum turnover)
- Practice acquisition / partner buyout funding, specialist healthcare M&A lenders (Lloyds Healthcare)
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Close Brothers Healthcare FAQ
Why Close Brothers for healthcare and dental practices?
UK private healthcare practices, dental practices, and aesthetic clinics typically run a mix of fee-for-service receivables (private patient invoicing) and insurer / scheme receivables (BUPA, AXA Health, Aviva, Vitality, NHS contracts where applicable). The cash-flow pattern combines high-volume small invoices (private patient day-rate billing) with bulk insurer settlements on monthly schedules. Close Brothers Invoice Finance handles this mix natively and has sister Close Brothers Asset Finance for equipment cross-sell.
What healthcare sub-sectors does Close Brothers cover?
Private dental practices (general, cosmetic, orthodontic, oral surgery), general medical practices with private revenue, aesthetic clinics, physiotherapy and osteopathy, mental health practices, audiology, optometry, veterinary practices (less common but supported), specialist clinics (sleep, fertility, dermatology). The underwriting question is the mix of payor types (private vs insurer vs scheme) rather than the specific clinical sub-sector.
How does Close Brothers handle private medical insurer receivables?
Insurer settlements from BUPA, AXA Health, Aviva, Vitality, WPA, and similar are treated as institutional-grade receivables with appropriate advance rates (90%+ on confirmed insurer receivables). The receivables run on monthly settlement cycles with predictable timing; Close Brothers structures the facility around this rhythm. Documentation: insurer panel membership, settlement schedule examples, treatment code mapping.
What about the asset finance cross-sell for clinical equipment?
Close Brothers Asset Finance (sister business to Close Brothers Invoice Finance within Close Brothers Group plc) covers clinical equipment: dental chairs and CBCT, ultrasound, X-ray, laser systems, aesthetic equipment, physiotherapy plant, audiology hardware, optical equipment, veterinary plant. Single group relationship covers both lines, which materially simplifies the banking relationship for multi-product clinical practices.
What's Close Brothers' pricing for healthcare?
Close Brothers does not publish a service charge: each agreement is individually priced (closeinvoice.co.uk, checked 25 Sep 2026). The discount charge (a margin over Bank of England base rate) is quoted per facility. Close Brothers publishes advances of up to 90%. Many banks (including Aldermore) do not publish their fees, so compare quotes on the same ledger.
Who is Close Brothers best for in healthcare?
Established UK private clinical practices (dental, aesthetic, specialist medical) with £750k or more turnover (Close Brothers' published minimum) and mixed private + insurer payor mix. Particularly strong for practice groups expanding or refurbishing clinical equipment alongside ongoing working-capital needs. Less suited to NHS-only contractors (where the receivable is institutional but the practice economics differ) or pure-consumer veterinary practices.