Market-Leading Finance Secured for Dental Practice Acquisition
A first-time buyer secured a £1.2m mixed practice with 90% goodwill funding and a highly competitive 1.45% margin. By preparing detailed forecasts and negotiating with multiple lenders, we achieved terms far superior to direct offers, giving the client confidence to step into ownership with long-term stability.
Client Profile
A first-time buyer approached us for support in acquiring a mixed NHS/private dental practice in the South of England valued at £1.2 million.
The client, an Associate for eight years, was ready to step into ownership but had understandable concerns around:
• Rising finance cost
• Securing competitive terms with a manageable monthly commitment
• Ensuring the transaction progressed smoothly and on time
Our Approach
We carried out a full financial review of their circumstances and developed a detailed proposal to present to lenders.
This included:
• Preparing a robust business plan and cashflow forecasts
• Highlighting the practice’s growth potential
• Negotiating with multiple lenders to encourage competition
The Outcome
Through our sector knowledge and established lender relationships, we secured a highly competitive finance package which was significantly below the rates the client had been offered when approaching lenders directly. Key features included:
• Market-leading terms at well under typical direct-approach pricing
• 90% goodwill funding plus working capital for initial operational costs
• A long-term facility with the flexibility of no early repayment penalties
This bespoke solution provided our client with the confidence to proceed, while ensuring the practice was well-positioned for sustainable long-term success.
Client Feedback
“From the first call, I knew I was in safe hands. The team not only secured me a deal I didn’t think was possible but guided me through every step of the process. I’m now the proud owner of my first practice and on terms that give me room to grow.”
Key Takeaways
• Independent advice means you don’t have to settle for the first offer presented
• Competition between lenders often leads to substantially better terms
• Specialist dental finance knowledge is critical in securing approval and structuring the right deal.
