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Case Studies

By Samera Updated regularly

How a 25+ surgery dental group cut routine accounting time by 80%

Growth doesn’t wait for your back office to catch up. Sometimes you have to build the systems after the fact.

Practice owner reduces clinical time to one day a week, and still achieves above-average sale multiples

Buyers pay more for a practice that doesn’t need you specifically. Building that takes years, not months.

Busy but unprofitable, a private practice turns performance around within six months

More patients doesn’t automatically mean more profit. Sometimes it just means more places for margin to quietly disappear.

Additional finance secured to complete an overrun freehold move

An existing lender saying no to more money isn’t always the end of the road. Sometimes it just means asking someone else.

Better terms and flexible payments negotiated on a squat practice conversion

A lease isn’t just paperwork to get through. It can decide how much breathing room a new practice actually has.

Refinancing review leads to a buying group discovery neither side expected

Being honest that a deal might not be worth doing is sometimes what leads to finding one that actually is.

Loan renewal secures a full 20-year term, not just an extension

The lender you’re already with isn’t automatically giving you their best offer just because you’ve stayed loyal.

Practice owner beats their bank’s own offer by going to market

Your own bank has no reason to tell you a better deal exists somewhere else.

£1.2m Somerset acquisition structured across a HoldCo and a PropCo

Separating the business from the property it sits in only works smoothly if the lender sees it as one story, not two.

£1.7m acquisition funded across two facilities, with a clean split between property and goodwill

Lenders respond better to a clearly separated case for each facility than one application trying to justify a single number.

Start-up dental practice secures a blended funding package to keep launch costs manageable

A single loan isn’t always the simplest answer, even when it looks like the more straightforward option on paper.

Backing a first-time buyer to 100% LTV, then fighting for two separate price reductions

No prior experience buying a practice doesn’t mean no leverage. It just means you need someone negotiating who has both.

The deal that nearly fell apart because of a nervous seller

Not every threat to a deal comes from the numbers. Sometimes it comes from someone else’s nerves.

The VAT bill nobody had budgeted for

A tax surprise doesn’t have to mean losing the building you’ve already committed to.

The three words that stalled a £1.1 million deal

“Director loan accounts” isn’t a phrase anyone thinks to worry about until it’s the only thing standing between them and completion.

The finance was ready for months. The building was not

For a specialist business, the premises are usually the hard part. The money is the easy part.

The deal that went almost exactly as planned

Sometimes the smoothest deals come down to nothing more exciting than good preparation.

When the fit-out costs more than the plan said it would

Budget overruns during a property conversion aren’t rare. What you do about them is what matters.

The loan amount that changed twice before we got it right

The number a client starts with isn’t always the number they should finish with.

Not everything we arrange is a seven-figure acquisition

Most of what we write about involves six or seven figures. This one’s the deliberate exception.

When the deal can’t move until the NHS contract does

Sometimes the biggest obstacle to buying a practice has nothing to do with money, and nothing a broker can fix directly either.

The finance was never the issue. The company structure was.

When an acquisition involves more than one company, the finance is rarely the part that trips people up. Working out who’s actually responsible for what is.

Two practices, one deal, no real drama

Buying two practices in one transaction doubles the complexity most lenders expect to see problems with. This one had none.

The loan that had to keep HMRC happy as well as the lender

Two straightforward requests, a start-up loan and a refinance, turned into one genuine structuring problem the moment money needed to move between companies.

When a goodwill purchase stalls on the legal side, not the finance

Agreeing a price is the easy part of buying a practice. What happens next isn’t always in your control.

The mortgage rate most people never bother to check

Most practice owners never check what rate their mortgage rolls onto once the fixed term ends. This one did, just in time.

Backing yourself into a £900,000 acquisition, variable rate and all

A variable rate mortgage on a £900,000 acquisition isn’t a reason to walk away. It’s a reason to ask one question first.
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