Applying for business borrowing doesn’t need to be daunting.

ORL Finance is an independent boutique healthcare finance brokerage.

We specialise in providing healthcare funding with an expertise in a range of sectors including Veterinary, Dental, General Practice, Pharmacy, Opticians, Social Care providers and Day Care Nurseries.

Supporting clients with obtaining bespoke solutions including (inter alia) -

- Practice Start-Up Funding
- Acquisition Finance including Goodwill & Commercial Property
- Growth & Expansion Funding
- Partner Share Buy In/Out & Equity Loans
- Refurbishment & Fit-out Finance
- Specialist Equipment Asset Finance
- Working Capital & Unsecured Business Loans
- Tax & Insurance Premium Loans

Specialist finance for the sectors we know best.

We specialise in arranging commercial finance for healthcare and care sector businesses across the UK. From veterinary and dental practices to GP surgeries, pharmacies, social care providers and day care nurseries, we understand the unique financial challenges and opportunities within these sectors.

Whether you are acquiring a business, investing in new equipment, refurbishing your premises, or planning for growth, we work with a wide panel of lenders to secure funding solutions tailored to your needs. Our focus is on providing straightforward advice, competitive finance options, and a smooth process from enquiry through to completion.

  • We understand the unique financial needs of modern veterinary practices.

    • Practice start-up finance

    • Practice acquisition finance including Goodwill & Commercial Property

    • Practice growth & expansion funding

    • Refurbishment & fit-out finance

    • Equipment finance

    • Tax & insurance premium loans

    • Partner Share Buy In/Out & Equity Loans

    • Working capital loans

    We help veterinary professionals access flexible finance solutions tailored to their business goals. Our experience in the veterinary sector means we can move quickly and structure funding that works for you.

  • We understand the unique financial needs of the dental sector. Dental practices require regular investment in technology, facilities, and patient experience. We arrange competitive finance tailored to you.

    • Practice start-up finance

    • Practice acquisition finance including Goodwill & Commercial Property

    • Practice growth & expansion funding

    • Refurbishment & fit-out finance

    • Equipment finance

    • Tax & insurance premium loans

    • Partner Share Buy In/Out & Equity Loans

    • Working capital loans

    Whether you are an established practice owner or an associate looking to take the next step, we help secure funding that supports long-term success.

  • Primary care providers face increasing demand while managing complex operational costs. We work with GP practices and medical centres to arrange finance tailored just for you.

    • Practice growth & expansion funding

    • Refurbishment & fit-out finance

    • Equipment finance

    • Tax & insurance premium loans

    • Partner Share Buy In/Out & Equity Loans

    • Working capital loans

    Our goal is to provide straightforward funding solutions that allow healthcare professionals to focus on delivering excellent patient care.

  • Pharmacies operate in a fast-changing healthcare landscape that often requires investment in technology, stock, and premises. We help pharmacy owners access funding for acquisitions, refits, equipment, and working capital. With sector knowledge and access to specialist lenders, we structure finance that supports sustainable business growth.

  • Social care providers play a vital role in supporting communities, and we understand the financial requirements involved in operating and growing these services. We help care providers access funding for acquisitions, property purchases, refurbishments, and working capital. Whether you operate residential care, supported living services, or domiciliary care, we can arrange flexible finance solutions designed to support sustainable growth and long-term stability.

  • Running a successful nursery often requires investment in facilities, equipment, and staffing to meet regulatory standards and deliver a high-quality environment for children. We work with nursery owners and childcare providers to arrange funding for acquisitions, property improvements, refurbishments, and expansion. Our goal is to provide straightforward finance solutions that allow providers to focus on delivering exceptional care and education.

Ready to talk? We’d love to help.

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Our client testimonials.

  • “Ollie came to us highly recommended when we found ourselves let down and disappointed by numerous brokers who just didn’t seem to care about our business or who we are as people. He might be in the finance side of business, but Ollie definitely understands the people side of business too. We were at a critical time for our business development, where we had purchased a property on bridging finance and needed to secure long-term funding that would enable us to realise the potential of the site and ensure more affordable lending. From the outset we found Ollie to be honest, direct and patient with us as first timers (although we had an 8 year old business we had never considered using the goodwill as the basis to lend against, we had also never tried to secure this level of finance). Throughout the process Ollie took a keen interest in our business and what success looked like for us. He communicated through every step of the process, making it as pain free as he could. If there were things we did not understand, he explained; things we were not sure about, he clarified the options. We cannot recommend Ollie enough and are incredibly grateful for all the efforts he made to secure a great deal and ultimately our business’ future.”


    Independent Veterinary Practice, Derbyshire

  • “We are enormously grateful to Ollie at ORL Finance for helping us complete our recent management buyout of the firm. His advice and constant support were hugely important in allowing us to turn our dream into a reality. He always acts in the best interest of his clients and provides open and honest advice. For anyone requiring funding solutions, I cannot recommend Ollie highly enough.”


    Managing Director, Law Firm, Leeds, West Yorkshire

  • “Ollie was a massive help from the first phone call to the last part of our loan refinancing. He made what seemed to be a daunting process straight forward and simple. Ollie clearly has a vast knowledge of the market and would be my first point of call in the future when I need finance for my business.”


    Independent Dental Practice, Carmarthenshire

  • "The team made the whole process a breeze! Highly recommend. Thanks again guys!"


    Independent Dental Practice, Cheshire

  • "Ollie arranged finance for me to purchase a building and refit it. My bank were being very risk averse and I would've lost the building if Ollie hadn't taken over and pushed everything in the right direction. He supported me from the beginning right to the end and I would fully recommend him for any financial assistance and will use him going forward."

    Independent Dental Practice, Wales

  • "Ollie has been an invaluable support to our business, a veterinary practice with 3 directors. He helped us refinance an expensive initial lending product onto a far more competitive one, making the whole process straightforward and stress free. Since then, he's arranged further funding to help us purchase and develop our new premises, and we're continuing to work with him as we expand. He also arranged the lending to allow one of our now directors to buy into the business, which has enabled us to grow logistically and financially. He's incredibly responsive, transparent, and always willing to go the extra mile. His knowledge of the industry and network of contacts have been invaluable, helping to keep everything moving smoothly. His brokerage fee has represented excellent value, and I wouldn't hesitate to recommend him to any business looking for finance especially within our field of veterinary medicine."

    Independent Veterinary Practice, Cornwall

  • "The initial conversation I had with Ollie was very reassuring, which was particularly helpful given the inherent stress associated with securing a business loan. He provided unwavering support from the outset and was consistently available by phone. His responses to messages were always prompt. Even after the loan was disbursed, I encountered an issue, and he assisted me without any hesitation. I wholeheartedly recommend ORL Finance for anyone seeking a business loan."

    Independent Veterinary Practice, Aberdeenshire

  • "We recently had the pleasure of dealing with Ollie to secure our funding for the dream of opening our own veterinary practice. Through that stressful part Ollie was so helpful and guided us extremely well in what we needed to do to secure our loan. He has extremely good knowledge of the veterinary industry. We cannot recommend him enough!!"

    Independent Veterinary Practice, Cambridgeshire

  • "There are not enough words that allow me to thank (and recommend) Ollie and his team at ORL Finance for what they have done for my business. The whole process was smooth, extremely quick and with a level of professionalism that is hard to find these days. In what was a daunting situation for me, Ollie and his team took time to hold face to face meetings with me, constant support and updates on the phone and email, and answer my numerous (daily!) questions quickly and efficiently. The support and a ‘straight, simple talking’ approach were invaluable and helped me understand the process from start to finish. I cannot recommend them enough, and I am extremely grateful for the service they provided. Thank you again."

    Managing Director, Property Company, North Yorkshire

  • "If you’re looking for someone who genuinely knows what they’re doing and goes the extra mile, Ollie is the person to speak to. After being turned down by two other brokers who said my situation couldn’t be worked with, I was honestly starting to lose hope. From the very first conversation, Ollie was different—friendly, transparent, and clearly very knowledgeable. He took the time to understand my situation properly rather than just giving a quick no. What really stood out was his persistence and creativity. Where others saw a dead end, Ollie found a solution and made the deal happen. Throughout the whole process, he kept me updated, answered all my questions, and made everything feel straightforward and stress-free. I can honestly say the result exceeded my expectations. Nothing short of amazing service—highly recommended."

    Independent Dental Practice, Leicestershire

  • "Ollie has been fantastic at supporting me through my first dental practice purchase. He is knowledgeable, professional and just such a nice person, it has made the whole process easier. Thank you Ollie."

    Independent Dental Practice, East Sussex

  • "Brilliant personalised service bespoke to our business needs. Down to earth and realistic . Have worked with him for over 5 yrs now. Highly recommend."

    Independent Veterinary Practice, Conwy

  • "Cannot thank Ollie at ORL Finance enough for his hard work, diligence and skill. We own a 6 surgery dental practice and Ollie’s knowledge of the sector has been superb. Ollie is super efficient; he does what he says he is going to do and when he says he is going to do it (often before!). Ollie has provided us with invaluable advice over the years from asset finance, renovation financing to a full business loan restructure. He has a superb network of contacts and access to super competitive rates. He is pragmatic, solution based, able (and willing) to learn the ins and outs of your business to deliver a truly bespoke service."

    Independent Dental Practice, West Yorkshire

  • "We worked with ORL Finance at a crucial point for our business. After years of hard work building something of real value, Ollie helped us unlock that value to take the next step. He connected us with the right lenders and was relentless in supporting us through the entire process. When things became complex or could easily have stalled, Ollie was there, proactive, calm, and highly knowledgeable. He understands both the market and the people in it, and he knows how to move things forward. The support from Ollie was invaluable. I cannot recommend ORL Finance highly enough."

    Independent Dental Practice, Aberdeenshire

  • "We used ORL to refinance our current business borrowing. Ollie was able to achieve a much more favourable rate and maintained excellent communication throughout. Made the whole process so easy and cannot recommend highly enough. Thank you!"

    Independent Dental Practice, Cumbria

  • "Ollie makes things clear and easy, and guided us through a large refinance which revitalised our business and triggered huge growth for us. Could not recommend more highly!"

    Independent Veterinary Practice, Edinburgh

  • "Excellent broker - helped me refinance my existing dental practice and acquire finance for a second, all at better rates than other brokers! Highly recommended!"

    Independent Dental Practice, East Sussex

  • "Ollie has been absolutely fantastic in assisting me with my purchase of a share of my practice. From the very start he listened to what I wanted to achieve and has been there every step of the way in helping me get there. All of this process has been completely new to me but Ollie has always been so happy to help with any query or question, and has gone above and beyond in liasing with other parties to get my purchase complete. I definitely would not have been able to do it without him. Thank you again Ollie!"

    Independent Veterinary Practice, North Yorkshire

  • "Ollie was amazing helping us source funding for our new independant veterinary practice. Without Ollie we would never have got off the ground. His knowledge and expertise shone through every step of the way. We opened our doors in July 2025 and now we're living our dream. We couldn't have done it without Ollie."

    Independent Veterinary Practice, West Yorkshire

  • "Ollie always goes above and beyond. Great communication and gets the deal over the line. Would thoroughly recommend ORL"

    Independent Veterinary Practice, Cambridgeshire

  • "We couldn’t have got to where we are without the help of Ollie. A friendly, knowledgable and efficient service. Thank you so much!"

    Independent Veterinary Practice, Shropshire

  • "I cannot thank or recommend Ollie highly enough for all his help securing finance for my veterinary practice to fund converting new premises. He is supportive, honest and has a wealth of experience in his field. Always available for help and advice (even responding when he was supposed to be on holiday!) He is dedicated, professional and gets the job done helping at every step of the way."

    Independent Veterinary Practice, West Yorkshire

  • "Ollie helped us secure funding for opening a new vet practice. He was hugely supportive and helped us every step of the way, including givig guidance on our business plan. We would highly recommend him to anyone else."

    Independent Veterinary Practice, Warwickshire

  • "When I thought it was impossible to secure a loan for my start-up veterinary practice, I reached out to Ollie and left a message. Within minutes, he called back, asked a few key questions and reassured me that it could be done. I truly can't thank him enough for his unwavering support and guidance throughout the entire process. From the beginning, Ollie was always just a phone call away, offering expert advice and encouragement. His extensive network in the finance industry, combined with his understanding if the veterinary field, proved invaluable. Thanks to his dedication and expertise, we secured the loans and financing we needed, just as he promised from the start. Ollie, you are absolutely amazing! I would strongly recommend you to other new starters and can't wait for you to visit us."

    Independent Veterinary Practice, Cheshire

  • "Ollie was very supportive and knowledgeable when helping us secure finance for our new vet practice. He guided us every step of the way, keeping us informed and the process moving. We obtained more finance than we knew we could, enabling us to provide a very high standard of care from the outset. We can’t thank you enough Ollie and wouldn’t have our dream come true without you!"

    Independent Veterinary Practice, Edinburgh

  • "Having tried through other brokers, Ollie managed to get me a very good deal on a refinance deal with a much better rate than I was on previously. At every step of the way Ollie had his finger on the pulse and was always available to talk through the final details and was instrumental in getting the deal over the line with no drama. Ollie's manner is very down to earth which is something I value highly. I would have no hesitation in rating Ollie's business 5 stars and will be recommending him to anyone in a similar position. Cheers Ollie"

    Independent Dental Practice, Surrey

  • "Ollie has been brilliant from start to finish. He is very knowledgeable about the veterinary industry and about financing all aspects of healthcare. He was able to help me secure the original loans to open up my vet practice and has helped out on many occasions along the way. I can’t recommend him enough."

    Independent Veterinary Practice, North Yorkshire

  • "Waaaaww! I wouldn’t even know where to start with Ollie at ORL Finance. What an excellent experience to have Ollie on board in my search to buy my own Pharmacy. When it got tough, Ollie was there to motivate, direct and encouraged me to go on. He finally managed to secure a financial deal for me that has transformed my career and made a huge difference to the people in my community. All thanks to Ollie at ORL. We will never forget about you and your company. Thank you."

    Independent Pharmacy, Wiltshire

  • "Ollie has supported me with various dental related finance projects over the years. He’s always friendly, professional, and above all, puts my financial needs first. I have complete confidence in him and his team, and wouldn’t hesitate to recommend him to anyone looking to secure finance."

    Independent Dental Practice, North Yorkshire

Member of National Association of Commercial Finance Brokers