If you let patients spread the cost of treatment — implants, orthodontics, cosmetic work — you need FCA authorisation. We prepare your complete limited permission application pack — fixed price, ready in three business days* once we have your details.
Yes. If you help patients pay for treatment by finance — payment plans for implants, Invisalign, veneers or cosmetic procedures, or introducing patients to a finance provider so they can spread the cost — you're carrying out credit broking, a regulated activity. It's been required since 2014, and offering finance without authorisation is a criminal offence.
The good news: because providing dental and clinical care is your main business and finance simply helps patients afford treatment, you almost certainly qualify for limited permission — the simpler, cheaper route. Our guide for dental and healthcare practices answers the specifics, and our step-by-step guide covers the full process; if you already know you need it, we'll prepare the pack.
Preparation is in our hands and takes days. Once filed, we handle all correspondence with the FCA on your behalf.
A short form to get started. A member of our team will then call you to discuss your requirements and the application process.
We prepare every document the FCA expects for a clinic's limited permission application — secondary credit broking for patient treatment finance — tailored to your practice.
We submit your application through the FCA’s Connect portal and deal with the caseworker’s questions until your decision. You just review and sign the declarations.
Every document the FCA expects of a limited permission applicant, prepared for dental practices and filed through Connect on your behalf.
A dental or cosmetic clinic offering finance typically needs limited permission for secondary credit broking — introducing patients to a lender to help them pay for treatment. We build your pack around exactly that.
If finance becomes a main activity in its own right, you may need full permission — and we'll tell you honestly before you pay a penny.
One fixed fee, paid in two parts. The FCA's own application fee is separate and is itemised on your invoice.
Yes. If you introduce patients to a lender or arrange finance for them, that's credit broking and needs authorisation, regardless of how often.
If a third-party lender is involved — you introduce the patient to them — yes, it's regulated. If you simply let patients pay your own invoice over a short time with no interest, some arrangements can be exempt; confirm your position.
For most clinics, yes — clinical care is your main business, so finance is secondary. You'd only need full permission if finance became a main activity. See our guide to limited vs full permission.
No. Our £995 covers your complete document pack; the FCA charges a separate fee (currently £560 for limited permission), which we collect with your final payment and pay to the FCA on your behalf. See our cost guide.
No — the decision rests entirely with the FCA. What we can do is prepare a complete, accurate and well-evidenced application that gives it the strongest possible chance.
A short form to begin. A member of our team will call the same business day to discuss your firm's activities and the application.
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