GP – NHS Income Adjustment, Midlands, 2024

Situation

GP partnership experiencing temporary income fluctuation due to NHS contract changes.

Challenge

Reduced NHS income creating short-term cashflow risk. Staffing continuity needed.

Structure

Short-term working capital aligned to the partnership’s income recovery timeline.

Outcome

Cashflow stabilised. Staffing maintained throughout.

Key insight

NHS income adjustments are a known risk in GP partnerships. Lenders who understand the sector take a different view from those who don’t.

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