One of the UK’s only dedicated dental practice buyer’s agents. We challenge valuations, arrange independent acquisition finance and run financial due diligence so you pay a fair price for the right practice. Exclusively for buyers. No tie to any lender. Over 700 UK dentists supported since 2002.
Acts exclusively for buyers Supporting dentists since 2002 700+ purchases supported FCA-authorised finance brokerage NACFB member ICAEW chartered accountants
UpdatedSept 2026
SectorDental & Healthcare
EngagementFree consultation
Onboarding3–4 weeks
How we work
Everything you need to buy a dental practice under one roof
Buying a dental practice is the biggest financial decisions most dentists ever make. The selling agent represents the seller, the lender is assessing the deal from its own perspective, and the asking price does not always necessarily reflect what the practice is actually worth to you as the buyer.
Samera brings the financial and commercial sides of the acquisition together. We can arrange the finance, assess, value and challenge the price of the practice, carry out financial due diligence, advise on the structure of the deal and help prepare the business for ownership after completion.
Our practice-buying services are provided and priced separately, so you only pay for the parts of the acquisition where you need our help.
Valuation and negotiation
Know what the practice is worth, not just what it’s listed for
The asking price of a dental practice does not necessarily reflect what it is worth to you as the buyer. We carry out an independent dental practice valuation, looking at the financial performance of the business alongside the factors that can materially affect its value.
We review the accounts, profitability, patient and contract mix, staff structure, premises and the seller’s involvement in the practice. This gives you an independent view of the price before you commit.
If you believe a practice has been overvalued, or the asking price does not stand up to scrutiny, we can challenge the valuation on your behalf. We analyse the evidence behind the price, identify where the assumptions may be too optimistic and use our findings to support your negotiation with the seller or selling agent.
A lower purchase price can also reduce the amount you need to borrow, which is why we look at the valuation and finance together rather than treating them as separate parts of the deal.
Calculate the real value of a dental practice
Get an independent buyer-side valuation or challenge the valuation of a practice you are considering buying.
Valuations: £1,500 + VAT Challenge the valuation: 10% + VAT of any savings
A practice can look attractive in the sales brochure while the underlying numbers tell a different story. Financial due diligence helps you understand the quality of the earnings, identify risks and confirm whether the assumptions behind the purchase price stand up.
Our dental accountancy team reviews the financial information behind the practice, including the accounts, income streams, staff costs, associate costs, contracts and other factors affecting sustainable profitability. We highlight anything that could change the value of the business, the terms of the deal or your decision to proceed.
The findings can also feed back into the valuation and negotiation. If due diligence uncovers something material, you have evidence to challenge the price or reconsider the structure before completion.
Want to know what the numbers are really telling you?
Get an independent financial review of the dental practice before you complete the purchase.
Most dental practice purchases involve some form of borrowing. Samera Finance helps dentists arrange acquisition finance for goodwill-only purchases, freehold acquisitions and transactions involving both the business and the property.
We assess the purchase alongside your financial position, then approach suitable lenders, package the application and negotiate the terms available. We work with first-time buyers, existing practice owners and dental groups.
Acquisition finance brokerage is free to you because lenders pay Samera Finance a commission on completion. We disclose that commission before you proceed.
Who is really working for you when you buy a dental practice?
The selling agent represents the seller and is there to achieve the best outcome for them. The lender is assessing whether it is comfortable funding the transaction. As the buyer, you need someone looking at the price, the numbers and the deal from your side.
On any individual transaction, Samera only works for one side. If we are advising you as the buyer, we do not also represent the seller in that transaction. Our valuation, financial due diligence and acquisition advice are carried out from the buyer’s perspective.
There can appear to be a conflict when the same group challenges the purchase price and also arranges the finance. A higher purchase price could mean a larger loan and therefore more lender commission. In practice, our incentives work the other way. Our Challenge the Valuation service is charged at 10% + VAT of the saving we achieve, while Samera Finance receives 1% of the amount borrowed from the lender.
So, if we negotiate £50,000 off the purchase price, our success fee is £5,000 + VAT. If instead you paid the additional £50,000 and borrowed it, the extra finance commission would be £500. Put simply, we make far more by helping you pay less than by encouraging you to borrow more.
Samera Finance’s lender commission is disclosed to you before you proceed. Across the transaction, the objective is the same: help you pay an appropriate price, understand exactly what you are buying and arrange the finance needed to complete it.
How we charge – and what’s free
Acquisition finance brokerage is free to you because lenders pay us a commission on completion – but that never tilts our advice. We approach suitable lenders from our panel and compare the terms available, then explain the options so you can decide which is right for your acquisition. Our commission is the same with every lender – so we have no reason to prefer any lender over another. Due diligence, valuation, business plan and tax setup work is priced separately, and we’ll always tell you what each piece costs before you commit.
Who you’ll work with
Meet the team behind your dental practice purchase
Buying a practice can involve finance, valuation, due diligence, tax and ongoing accountancy. Rather than dealing with several different companies or relying on one general adviser, speak to the Samera team. We can handle the key financial and commercial parts of the transaction under one roof.
Or, you can fill in the form below; answer a few questions about what you’re looking for.
The first step to buying
Thinking about buying a dental practice? Start with our Setting Up in Practice Bootcamp
If you are considering practice ownership but are not yet ready to start making offers, our Setting Up in Practice Bootcamp gives you a practical overview of what buying and running a dental practice actually involves.
You’ll spend the day with people who work across the different parts of practice ownership, including a practice-owning dentist, specialist dental accountant, commercial finance broker and dental marketing expert. The group is kept small so you can ask questions about your own plans rather than simply sit through presentations.
The Bootcamp covers:
What lenders look for when financing a dental practice
How dental practices are valued and when a valuation should be challenged
The legal and CQC process
Common mistakes buyers make and how to avoid them
What running a dental practice is actually like after completion
More than 300 UK dentists have attended Samera’s Setting Up in Practice Bootcamp.
Take the first step to buying a dental practice
If you’re thinking seriously about becoming a practice owner, the Bootcamp gives you a practical understanding of the process before you start making offers or applying for finance.
Hear from dentists who bought their practice with Samera
Our clients have used Samera for everything from assessing the opportunity and preparing business plans to arranging acquisition finance and supporting them through completion.
I highly recommend Samera as I received immense support from … Arun and Natasha while buying my new practice at Northwich.
Marina George – 5 Stars
… originally recommended by a close friend for commercial finance but ended up helping with all aspects of my first practice purchase – from sifting through prospectuses, business plans, viability and securing great deals on the loans. No question was too silly and … was available around the clock. Thoroughly appreciate having honest expert advice in what typically is your most expensive purchase …
Mayoor Patel – 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 and … gone over his remit in helping me along the process with valuable advice that saves me much time and money! Basically if you want a result – call Samera!
Skinnergate Dental – 5 Stars
… helped secure the finance we needed when my husband and I were buying our first dental practice … advice was invaluable and we definitely couldn’t have done it without his help … always on the end of the phone or email reassuring us and supporting us through the application process with the various banks … liaised with the bank on our behalf which took a weight off our shoulders during a very stressful time. I would definitely use Samera again and recommend others to do the same.
Lucy Jones – 5 Stars
Been with Samera since 2008 when we bought our first dental practice, their knowledge and expertise is second to none not least because they also own their own dental practices … Whether you’re setting up from scratch or acquiring an existing practice, Samera have been there to offer advice on raising finance, staff and team issues, tax knowledge, leadership and having a strong vision, marketing, getting into purchasing groups and also purchasing equipment …
Saijel Kachhala – 5 Stars
I attended the Samera Setting Up Bootcamp last Friday and I’m so glad I did … The experience felt almost like a one to one session thanks to the small group setting and the incredibly knowledgeable team … The day gave me a much clearer understanding of the steps involved in buying and setting up a practice, as well as the common pitfalls to avoid! I would highly recommend this bootcamp to any dentist who is thinking about owning their own practice.
These are examples from real Samera transactions. Client names are withheld for confidentiality.
First-time buyer · Rate negotiation
£86,000 saved by renegotiating the buyer’s own bank offer
1.1% lower rate | £5,736 saved per year | £86,000 saved over the loan term
A first-time buyer had already approached their own bank for finance to acquire a dental practice. The bank offered 80% funding over 15 years at base rate + 3.2%, which initially appeared reasonable.
We reviewed the deal and felt the margin was too high for the strength of the acquisition. Rather than simply moving the client elsewhere, we repackaged the application properly, presented the financial case more clearly and approached several healthcare lenders, including the buyer’s existing bank.
That same bank then returned with a substantially improved offer at base rate + 2.1%. The lender had not changed and the acquisition had not changed. The difference was how the deal was presented and negotiated.
Acquisition · Where other brokers failed
First practice purchase funded after another broker couldn’t place the deal
3 offers | 3 lenders | First practice purchase completed
An associate dentist in the North West had spent several months trying to finance their first dental practice. They were already working with a broker who described themselves as a dental specialist, but after months of trying, the broker told them they could not source the funding.
When the buyer came to Samera, we reviewed the acquisition and identified that the previous application had not been developed in enough detail. We set out the additional information lenders would need, rebuilt the finance case and approached a broader range of commercial lenders.
Within weeks, the buyer had three separate finance offers from three different lenders. Rather than being told the deal could not be funded, they were able to compare the options and choose the structure that best suited them.
The acquisition went on to complete, turning a stalled first-practice purchase into a successful transaction.
The buyer was concerned about future rate rises, so the deal was modelled under higher-rate scenarios before they committed. The numbers held up and over £900,000 was secured.
The finance was ready, but renegotiation of the NHS contract prevented CQC registration from progressing. Samera kept the funding ready until the contract issue was resolved and the acquisition completed.
The finance and commercial terms were agreed, but unresolved director loan accounts in the selling company stopped the SPA progressing. The finance remained in place while the issue was resolved, allowing the deal to complete.
Samera secured 100% funding with no personal deposit, then helped negotiate approximately £100,000 off the freehold price and a further reduction on the goodwill.
The loan was already secured, but legal delays repeatedly pushed back the completion date. Samera stayed involved and kept the lender and funding in place until the transaction finally completed.
Other ways Samera can support you before and after the purchase
Not every buyer needs the same support. Alongside the valuation, due diligence and acquisition finance covered above, Samera can help with other parts of the journey before completion and once you become a practice owner.
Accounts, tax and financial support
Once the purchase completes, our specialist dental accountancy team can support you with accounts, tax, payroll, management reporting and ongoing financial planning.
Specialist dental suppliers and professional partners
Through the Samera Alliance, we can connect you with specialist providers across areas such as CQC, HR, equipment, IT, fit-out and other requirements involved in running a dental practice.
If the practice needs new chairs, scanners, technology or other equipment after completion, we can help arrange asset finance without tying up working capital.
Common questions about Samera’s practice acquisition and advisory service
What can Samera help me with when buying a dental practice?
Samera can support the financial and commercial parts of buying a dental practice, from assessing the opportunity through to completion and ongoing ownership.
Our services include dental practice valuations, Challenge the Valuation, financial due diligence, acquisition finance, financial modelling, business plans, tax advice and ongoing dental accountancy.
You can use individual services where you need them or work with several members of the Samera team across the same acquisition.
Who does Samera work for when I am buying a dental practice?
On any individual transaction, Samera works for one side only. If we are advising you as the buyer, we will not also represent the seller in that same transaction.
Samera also provides dental practice sales services, but we do not act as both the buyer’s acquisition adviser and the seller’s adviser on the same deal. Our valuation, due diligence, negotiation and acquisition advice will therefore be carried out from your perspective as the purchaser.
Can Samera arrange the finance to buy a dental practice?
Yes, Samera Finance can arrange acquisition finance for dentists buying dental practices. We assess the purchase and your financial position, approach suitable lenders, prepare and present the finance application and negotiate the terms available.
We can support first-time buyers, existing practice owners and dental groups, including transactions involving goodwill, freehold property or both.
Do I pay Samera for arranging dental practice acquisition finance?
No, Samera does not charge the buyer a brokerage fee for arranging a standard dental practice acquisition loan. Samera Finance receives commission from the lender when the finance completes.
We disclose the lender commission to you before you proceed. Other services, such as valuation, financial due diligence and financial modelling, are charged separately.
If Samera arranges my finance, is there an incentive for you to recommend a higher purchase price?
No, and our fee structure means we can actually earn considerably more by successfully helping you reduce an overpriced valuation than from the additional lender commission on a higher loan.
Samera Finance receives commission based on the amount borrowed, which is why we are transparent about how we are paid. However, our Challenge the Valuation service means we actually make more money for successfully reducing the purchase price. If we believe the valuation is too high, we will tell you and can help you challenge it.
Will Samera try to sell me accountancy, tax or other services if I use you to buy a practice?
No, you can use only the Samera services you need and there is no requirement to move your other professional services to us. If you come to Samera purely for acquisition finance, valuation or financial due diligence, you can continue using your existing accountant, solicitor and other advisers.
Because we provide a wider range of services to dental practices, we may highlight another service if we believe it could be useful. Whether you use it is entirely your decision, we will never try to aggressively upsell our other services.
Do I have to use Samera for the whole dental practice purchase?
No, each part of Samera’s acquisition support can be used independently. You might use us only to arrange the finance, carry out financial due diligence or challenge a valuation.
Alternatively, if you prefer to keep more of the financial and commercial work under one roof, our teams can work together across several parts of the acquisition.
When should I speak to Samera about buying a dental practice?
You can speak to Samera before you start searching, after you have found a practice or once a transaction is already underway. Speaking to us early can help you understand your likely borrowing capacity and what type of acquisition may be realistic before you commit significant time or money.
If you already have a practice in mind, we can instead focus on the valuation, numbers, finance and other areas where you need support.
Does Samera work with first-time dental practice buyers?
Yes, Samera works with associate dentists buying their first practice as well as existing owners and dental groups making further acquisitions. First-time buyers can use us to understand their borrowing position, assess a potential practice, prepare their finance application and navigate the financial side of the purchase.
In fact, our Bootcamp event is designed specifically for first time buyers to help them understand the realities of being a practice owner.
Existing owners and groups can use the same services for second practices, portfolio expansion and larger or more complex acquisitions.
Speak to the Samera buyers advisory team
Whether you are still assessing what you can afford, have found a practice you are interested in or already have an acquisition underway, speak to the Samera team about the next step. We can help with valuation, financial due diligence, acquisition finance and the wider financial side of the purchase.
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