Dental finance brokerage
We help you find and secure the right finance
We compare lenders and negotiate on your behalf
Most dentists raising finance start with their existing bank. The limitation is that you are only seeing the finance and terms available from that lender.
Samera Finance is an FCA-authorised commercial finance broker. We work with a broad panel of high street banks, specialist healthcare lenders and alternative finance providers.
We package your application, approach suitable lenders, compare the offers available and negotiate terms on your behalf. You then choose the option that works best for you.
No brokerage fee on most applications
For most dental finance applications, there is no brokerage fee to you. We receive commission from the lender when your finance completes.
This includes practice acquisitions, refinancing, asset finance, property finance, tax loans and the freehold element of a squat practice start-up.
The exception is squat practice fit-out finance, where we charge 2% of the amount funded, subject to a minimum fee of £3,500.
Where a squat start-up involves separate freehold and fit-out facilities, only the fit-out funding carries our brokerage fee.
Who we help
Dental finance for associates, practice buyers and owners
We arrange finance for dentists at different stages of their careers, from associates funding business costs to first-time buyers, squat start-ups and established practice owners expanding their groups.
Dental associates
Dental associates may need help raising finance for tax liabilities, equipment, business costs or partnership buy-ins.
First-time buyers
Buying your first practice can involve goodwill, freehold, working capital and more. We help structure the application and approach suitable dental lenders.
Dentists starting a squat practice
Starting from scratch often means funding premises, fit-out, equipment and working capital at the same time. We can coordinate the different facilities needed to get the practice open.
Existing practice owners and dental groups
Growing an existing business may involve acquisitions, refinancing, freehold purchases, equipment or wider group expansion.
What we arrange
Business loans for almost anything a dentist needs
Buying your first or next dental practice
Funding for first-time purchases, additional acquisitions and multi-site deals, including goodwill and freehold purchases. Typically 70–100% LTV, depending on the strength of the applicant and the deal.
Restructuring or replacing existing loans
If your existing loan is more than two years old, refinancing may reduce repayments, lower the total interest cost or release equity for reinvestment.
Buying the freehold or other commercial property
Commercial mortgages for dental practice freeholds and other business property. Repayment terms are typically 15–25 years, depending on the lender and deal structure.
Purchasing dental equipment and other assets
Fund chairs, scanners, CBCT machines and other equipment over a repayment term rather than using working capital upfront. Asset finance can often be arranged within days.
Managing tax and VAT payments
Hit by a big tax bill? Spread an unexpected tax or VAT liability across monthly repayments to protect cash flow.
Funding a new squat dental practice
Funding can cover premises, fit-out, equipment, staffing and working capital. Squat start-up funding is typically around 70–80% of total start-up costs, often structured across more than one facility.
What happens next
From first conversation to funded in five steps
Tell us what you need to finance
Start with a free, no-obligation call. We’ll understand what you are looking to fund, how much you may realistically be able to borrow and whether the deal looks financeable.
Complete a short application
You provide the key details about you, your finances and the dental business or transaction. We use this to identify the lenders most likely to fit.
Send us the supporting documents
We give you a clear checklist of what is needed, typically accounts, bank statements, ID and information about the practice or purchase.
We package the application and approach lenders
We prepare the application, present it to suitable lenders, manage their questions and negotiate the terms on your behalf.
Compare the offers and choose
We explain the available options, including rates, repayment terms, fees and any conditions. You choose which offer works best for you, and we manage the process through to drawdown.
Our lender panel
Access to high street banks, specialist lenders and alternative finance providers
We work with a broad panel of lenders across the UK finance market, including high street banks, specialist healthcare lenders and alternative finance providers.
The lender we approach depends on the type of finance you need, the strength of the application and the structure of the deal. Our job is to identify the lenders most likely to fit, compare the terms available and negotiate on your behalf.
No financial incentive to favour one lender
At present, every lender on our panel pays us the same 1% commission rate. That means there is no commission-rate incentive for us to favour one lender over another.
We recommend finance based on the suitability of the lender, terms and structure for your circumstances, and we disclose the commission we receive.
Loan calculator
Estimate your monthly repayments
Use the calculator to see the approximate monthly cost of borrowing based on the loan amount, repayment term and interest rate.
Adjust the figures to compare different scenarios before speaking to our finance team.
Disclaimer: Illustrative only. Actual rates, repayments and fees will depend on the lender, type of finance, applicant strength, security and other factors. Speak to us for an estimate based on your circumstances.
Who you’ll work with
Work directly with someone who understands dental finance
Your application is handled by a team that understands how dental lenders assess associates, practice buyers and existing owners. Book a free call now.
Commercial Finance Broker
- Practice acquisition finance
- Refinancing
- Asset and equipment finance
- Property finance
- Tax and VAT loans
- Squat practice funding
Get in touch
Other ways to reach us
Prefer not to book a call? You can also get in touch directly or send a message and we’ll get back to you.
- Email: info@samera.co.uk
- Phone: (+44) 20 7100 8788
- WhatsApp: Message us on WhatsApp
Recent deals
Recent deals we’ve arranged
From first practice purchases and start-ups to refinancing, equipment and multi-site acquisitions, here are some examples of finance we’ve arranged for UK dentists recently.
We Sourced
£1,475,000
For the purchase of a first practice and freehold in the Midlands.
We Sourced
£1,100,000
Refinance agreed to cover original bank debt and a substantial amount of short term debt.
We Sourced
£800,000
For a second practice on the South Coast.
We Sourced
£360,000
Refinance of a start-up loan to reduce the rate of interest and assist the client’s cashflow.
We Sourced
£1,050,000
For the purchase of a first Dental Practice, including the goodwill and freehold, in Somerset.
We Sourced
£53,000
Asset finance for the equipment in a private start-up practice based in Warwickshire.
Client case studies
Read more about how we’ve helped dentists secure finance, compare lenders and solve more complex funding problems. Numbers, lenders and structures are accurate. Client names withheld for confidentiality.
South East practice owner refinances before moving onto the lender’s reversion rate
A practice owner approaching the end of their commercial mortgage term tested the market rather than automatically moving onto the lender’s standard reversion rate. Around £300,000 was refinanced on improved terms, reducing monthly repayments.
Start-up practice secures extra asset finance after a fit-out budget overrun
A South East start-up ran over budget when its property conversion and fit-out cost more than expected. We arranged £120,000 of additional asset finance alongside the existing £280,000 start-up loan, providing the full £400,000 required.
First-time buyer secures 100% LTV on a £1.05m dental practice acquisition
A first-time buyer purchased the goodwill and freehold of their first practice for around £1.05 million. We secured 100% LTV with no personal deposit, then helped negotiate reductions to both the freehold and goodwill prices.
Two-practice owner reviews refinancing and uncovers additional cost savings
The owner of two practices asked us to review their borrowing. We were upfront that refinancing might not make financial sense once switching costs were included, while the wider review also uncovered additional savings available through the Samera Dental Buying Group.
£1.6m goodwill and freehold acquisition completed after resolving a two-company structure
A dental acquisition stalled over the proposed company structure, directorships and personal guarantees. We helped clarify the structure with the client and solicitors, allowing the transaction to move forward and more than £1.6 million of funding to complete.
What clients say
Great service, really paid attention to our needs and offered us the appropriate advice. In particular we were impressed with the time, dedication and focus given to help us finance our acquisition of a dental practice with good rates. We also managed to stay in communication during unsociable hours which really made the process convenient for us. Very helpful.
Dr J – 5 Stars
… ended up helping will all aspects of my first practice purchase- from sifting through prospectuses, business plans, viability and securing great deals on the loans … Thoroughly appreciate having honest expert advice in what typically is your most expensive purchase…
Mayoor – 5 Stars
Brilliant Team – Both my wife and I were new to the Dental Market … I have no hesitation in recommending … Samera as a go to place for squat Dental Finance.
Joey – 5 Stars
I can’t recommend Samera enough to anybody looking to secure finance for acquisition of a dental practice. I speak from personal experience ….. It took only days to get the finance in place … Basically if you want a result …… call Samera!
Skinnergate Dental – 5 Stars
Samera Finance was shortlisted for Commercial Mortgage Broker of the Year at the NACFB Commercial Broker Awards in both 2021 and 2022.
Samera Finance Ltd is FCA authorised (FRN 757431) and a member of the National Association of Commercial Finance Brokers (NACFB).
Related reading
Read our guides for dentists on raising finance
How to finance a dental practice
A practical guide to acquisition finance, start-up funding, property loans, equipment finance and other borrowing options for dentists.
Why was my business loan denied?
The most common reasons lenders decline applications, and what you can do before applying again.
5 reasons to use a broker
When using a broker can help you compare lenders, negotiate terms and avoid approaching the wrong lender.
How to buy a dental practice
The full process from finding a practice and making an offer through to finance, due diligence and completion.
Related services
Know what the practice is really worth
Get an independent view of value before agreeing a purchase price.
Check the numbers before you commit
Review the financial performance, risks and assumptions behind a practice you are considering buying.
Build a plan lenders can understand
Create a clear business plan and financial forecasts for a purchase, start-up or expansion.
Structure your tax properly
Make sure the ownership and funding structure works from a tax perspective before the transaction completes.
Improve performance after funding
Get strategic support with profitability, systems and growth once the investment is in place.
Get the accounts behind the business right
Specialist accountancy, bookkeeping and tax support for dentists, dental practice owners and groups.
Frequently asked questions
Does Samera Finance lend money?
No. Samera Finance is an FCA-authorised commercial finance broker, not a lender. We work with a panel of high street banks, specialist healthcare lenders and alternative finance providers, then compare suitable options and negotiate terms on your behalf.
Is there a fee for your service?
For most applications, no. We are paid by the lender when the finance completes.
This includes practice acquisitions, refinancing, asset finance, property finance, tax loans and the freehold element of a squat start-up.
For squat practice fit-out finance, we charge 2% of the amount funded, subject to a minimum fee of £3,500. We confirm any fees before you proceed.
How is Samera Finance paid by lenders?
For most applications, we receive commission from the lender when your finance completes.
At present, every lender on our panel pays us the same 1% commission rate, so there is no commission-rate incentive for us to favour one lender over another. We recommend options based on suitability, terms and structure for your circumstances.
We disclose the commission we expect to receive before you proceed.
How much can I borrow?
It depends on what you are financing, your financial position and the lender.
Dental practice acquisitions can sometimes be funded at 70–100% of the purchase price. Squat start-ups are typically funded at around 70–80% of total start-up costs, while asset finance can sometimes cover the full cost of the equipment.
How long does it take to arrange finance?
It depends on the type and complexity of the funding.
Asset finance can sometimes be arranged within days. Larger commercial loans usually take several weeks to approve. Actual drawdown can also depend on valuations, solicitors, property matters and the wider transaction.
What if I have been declined before?
A previous decline does not necessarily mean the deal cannot be funded.
Different lenders have different credit policies and appetites. We can review why the application may have been declined, assess whether the structure or presentation can be improved and approach other suitable lenders from our panel where appropriate.
Will banks lend to dental associates?
Yes. Banks and specialist lenders will lend to dental associates, although what they will fund and how much they will lend depends on your income, experience, personal finances and what the money is for.
Associates can potentially borrow for practice purchases, partnership buy-ins, squat start-ups, equipment, tax liabilities and other business costs.
Should I refinance my existing loan?
It can be worth reviewing if your existing borrowing is no longer competitive or your circumstances have changed.
Refinancing may reduce repayments, lower the overall cost of borrowing or release equity. However, switching costs also need to be considered. If moving lenders does not make financial sense, we will tell you.
Can you help if I already have an offer from my bank?
Yes. We can review an existing finance offer and compare it with suitable alternatives from our lender panel.
Sometimes another lender may offer stronger terms. In other cases, your existing bank may still be the best option. If it is, we will tell you.
What’s the difference between using a broker and going directly to a bank?
Going directly to a bank gives you access to that bank’s products and lending criteria. A broker can compare suitable options across a wider panel of lenders.
We also package your application, approach appropriate lenders, negotiate terms and manage the process through to completion.
Speak to us about your finance options
Free, no-obligation consultation. We will tell you honestly what your options are, what you could realistically borrow and which lenders are most likely to back the deal.