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Invoice finance for healthcare & medical

Invoice finance releases most of the value of your unpaid invoices within days of raising them. Practice owners use Rook Bristol invoice finance to buy imaging, diagnostic or dental equipment or refurbish surgeries to CQC standards, with rolling facility and advances typically within 24 hours of submitting an invoice, once live.

Apply nowAbout invoice finance
Check your eligibilityStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your finance manager.

£10K£1M
How long have you been trading?
What's your average monthly turnover?

Total money coming into your business account in a typical month.

What type of business is it?
Where should we reach you?

We'll use this only for your application.

Invoice finance for practice owners
AmountFacility linked to your sales ledger
TermRolling facility
SpeedAdvances typically within 24 hours of submitting an invoice, once live
PaymentsSettled when your customer pays, less an agreed fee
Best forB2B firms on 30 to 90 day payment terms

Common uses in healthcare & medical

  • Buy imaging, diagnostic or dental equipment
  • Refurbish surgeries to CQC standards
  • Bridge NHS and insurer payments
  • Recruit and onboard a new clinician
  • Acquire or open another practice

Why practice owners choose invoice finance

NHS and insurers pay on their schedule

NHS contract payments, private medical insurers and local authority care fees follow their own timetables. Invoice finance and revolving credit bridge the wait.

Clinical equipment is expensive

Dental chairs, imaging, lasers and diagnostic systems can be spread over their working life with asset finance.

Regulation shapes spending

CQC standards and infection-control requirements can mean refurbishment on a timetable you don't set.

New clinicians take time to pay back

Adding an associate or practitioner pays off, but only after months of ramp-up.

How does invoice finance work?

  1. 1

    Apply and share your aged debtors report. We assess the quality of your customers as much as your own business.

  2. 2

    Choose factoring, where we manage collections for you, or invoice discounting, where you keep control and customers need not know.

  3. 3

    Raise an invoice as normal and upload it. We advance an agreed percentage of its value, usually within 24 hours.

  4. 4

    When your customer pays, you receive the balance, minus a fee agreed at the outset.

What do I need to qualify?

  • 6 months trading
  • £10K+ in monthly turnover
  • A UK-registered business
Check my options

Other funding for practice owners

Questions, answered

Something else on your mind? Ask the team.

Can practice owners qualify for invoice finance?
Many can. We typically look for a UK-registered business, 6 months trading and £10K+ in monthly turnover. We review healthcare & medical businesses with the sector's cash-flow patterns in mind. All finance is subject to status.
What is invoice finance?
Invoice finance lets you borrow against money your customers owe you. You receive an advance on unpaid invoices, then the balance, less fees, once the customer pays.
What's the difference between factoring and invoice discounting?
With factoring, the finance provider manages your sales ledger and collects payment from your customers. With invoice discounting, you keep running credit control and collections yourself, and the arrangement can be confidential.
Do you finance clinical and dental equipment?
Yes. Asset finance covers new and used clinical equipment, from dental chairs and CBCT scanners to aesthetics lasers and diagnostics.

Want to partner with us?

Businesses, brokers and introducers: check eligibility in about three minutes, or talk to our team about working together.

Apply nowContact our team