Cash advances for UK wellness clinics.
For massage, physio, chiropractic, acupuncture, IV drip and holistic therapy clinics. Funded against the card takings your treatment rooms already generate.
What MCA means for a wellness clinic.
Most patients pay by card at the end of a session, with a steady mix of one-off appointments and recurring treatment plans. MCA gives you funding for new treatment beds, diagnostic kit, additional therapist hours, refit, or marketing. Repaid as a slice of takings, so the speed of repayment tracks the speed of bookings.
Sound familiar?
Diagnostic or treatment kit needs upgrading.
Treatment beds, ultrasound, shockwave, or rehab kit, £6k to £20k of capex.
MCA funds the kit. The treatments it unlocks repay the advance through the card terminal.
You want to add a therapist room.
Splitting space or fitting a second consulting room, £4k to £15k before any extra appointments come in.
MCA covers the fit-out. Extra appointment volume covers the repayment.
Marketing the clinic ahead of a quiet quarter.
January or summer dips need filling, £2k to £5k of paid acquisition + content.
MCA funds the spend. The bookings it brings in repay the advance.
Here's what it actually costs.
A physio clinic borrows £8,000 for a new treatment room fit-out. Monthly card takings: £18,000. £8,000. Average monthly card takings £18,000. Fixed cost 1.28. 12% daily repayment % on card sales, total cost £2,240.
These figures are illustrative. If a term loan or asset finance fits your situation better, we'll tell you.
Open the fixed cost calculator →Work out the real cost.
New businesses typically start at a higher daily % and a shorter term.
Illustrative only, not a quote.
- Advance£8,000
- vs card takings44%
- Fixed cost1.28
- Daily repayment£71
- Avg monthly£2,160
- Est. term4.7 months
Illustrative. The fixed cost is set on day one; daily repayment varies with takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
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Card takings drive the advance, so self-pay volume matters most. Insurer-billed income that lands in your bank rather than your card terminal isn't directly funded but does support overall affordability.
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