£65k refinance for a holistic health clinic escaping expensive short-term debt

A London-based wellness clinic was trapped in a high-cost loan cycle, paying 4% monthly interest. Here's how Risecap restructured their debt and freed up cash for growth - cutting their monthly payments in half.

CLIENT SNAPSHOT

Holistic health clinic | £600k annual revenue | 6 years in operation
A wellness clinic offering holistic therapies, regenerative treatments, and nutritional guidance. Run by an experienced director with a clear growth strategy, employing a small team of specialist practitioners.

THE CHALLENGE

The clinic owed £60,000 on an existing short-term facility charging 4% per month - that's £5,500 in monthly repayments eating into cash flow. While profitable and stable, this expensive debt was limiting their ability to invest in equipment and scale operations. They also wanted £5,000 to purchase medical equipment in bulk for better margins.

WHY THEY CAME TO US

• Existing facility was draining cash at £66,000 per year in repayments alone
• Needed longer terms and competitive pricing to create breathing room
• Clean credit record and strong turnover, but direct lender approach wasn't working
• Wanted flexibility for early repayment if business accelerated

The director came through a professional referral. He understood the numbers clearly: refinancing wasn't optional, it was critical for sustainable growth.

OUR APPROACH

We reviewed their financials and saw exactly what lenders needed to see:

• Consistent £50k monthly turnover with strong profit margins
• Six-year trading history with zero adverse credit
• Clear evidence the expensive loan wasn't due to distress - just a poor initial choice

We positioned this as a straightforward refinance for a healthy business making a smart financial decision. We worked closely with the director to ensure timing - no gaps, no overlaps with existing repayments.

THE IMPACT

• £65,000 unsecured working capital loan
• 1.5% monthly rate (down from 4%)
• Longest available term to minimise monthly outgoings
• Flexibility for early repayment built in
• Saving £1,425 per month - over £17,000 annually

The refinance hit immediately. Lower monthly payments gave them room to breathe. The £5,000 equipment investment allowed bulk purchasing, improving treatment margins and supporting planned expansion.

"Risecap made the whole process seamless. They understood our need to move away from expensive borrowing and guided us to a much more affordable solution, allowing us to focus on growing the clinic."

• Ilan, Director

TAKEAWAY

Profitable businesses sometimes end up in expensive debt. The right refinance partner can cut your costs by half and unlock growth - without the stigma or stress.

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