Financial planning
Turn your plans into lender-ready numbers
A great vision for a dental practice still has to work financially. Before you commit to buying or starting a dental practice, you need to understand how much it will cost to open, how quickly revenue will build and whether your business can support the proposed finance requirements. You need to prove to the lender that your business is worth lending money too.
We can help in 2 ways. We have free business plan templates, built from years of helping dentists buy, start and borrow money for dental practices. We have also started 4 of our own, and we use what we learned with that experience in our templates.
We can also build detailed, bespoke financial and cash flow forecasts that help turn your vision into reality.
- Business plan template: Free
- Financial projections: £1,500 + VAT
Free template
Start with our dental practice business plan template
If you are preparing the written business plan yourself, you can use our free dental practice business plan template as a starting point.
It gives you a clear structure for presenting the practice, your plans, the market, how the business will operate and the assumptions that sit behind the financial projections.
What’s included in the template:
- Executive summary
- Business vision, mission and objectives
- Description of the practice
- Organisation, team structure and key roles
- Key business relationships and professional advisers
- Service strategy
- Internal and external analysis, including SWOT and critical success factors
- Target market and marketing strategy
- Competitor analysis and strategic partnerships
The template is designed to be adapted around your own practice, whether you are starting a squat or preparing a plan for an existing dental business.
Business plan template: Free
For a step-by-step guide to completing it, read our guide to creating a dental practice business plan.
Financial projections
Bespoke financial projections for your dental practice
Lenders need more than a written business plan. They need to see whether the numbers make sense.
We build your financial projections around the actual plans for your practice, rather than applying a standard set of assumptions. We model the expected income and costs, cash flow, profitability, funding requirement and loan repayments so you can see whether the plan actually works financially.
Depending on your practice, this can include assumptions around patient growth, treatment mix, pricing, staffing, premises, equipment and other operating costs.
The finished projections give you a detailed financial model to support your planning and, where required, your finance application.
Financial projections: £1,500 + VAT
What’s included
What we model in your financial projections
We build your financial projections around your exact vision. We do not use standardised templates or assumptions based on an average dental practice. For the major costs like premises, fit-out and equipment, you provide the figures and quotes you have been provided.
We will then build a detailed financial model alongside the wider assumptions and predictions for how the practice will perform after opening.
Our forecast projections model:
- Premises costs
- Start-up and fit-out costs
- Equipment costs
- Patient growth assumptions
- Treatment mix and pricing
- Associate and staff costs
- Marketing and other operating costs
- 3-year profit and loss projections, modelled monthly throughout
- Cash flow modelling and break-even analysis
- Estimated EBITDA
- Loan repayment schedule based on your proposed finance package
- Loan service stress testing
- Cross-references between the financial projections and the assumptions in your written business plan
This allows you to predict how the practice will perform, plan cash flow management and understand your finance requirements. It is also an essential part of the application to the lenders.
What we need from you
The information you need to provide to us to build the projection
A projection is only as good as the real figures and data used to build it. For the biggest costs, we will need real figures or genuine quotes you have been provided rather than rough estimates.
We will ask you to provide:
- Your fee schedule, including private fees and UDA value if applicable
- Equipment costs and supplier quotes
- Lease, rent or property costs
- Fit-out and building quotes
- Marketing costs
- IT, fire alarm and other opening-cost quotes from your suppliers
- Your proposed staffing structure and expected staff costs
- Your planned treatment mix and expected patient growth
- Any other significant recurring or one-off practice costs
- Your proposed finance package, including loan amount, term and indicative rate, if you already have a lender in mind
If you are using Samera Finance as your broker to arrange the funding, we can obtain indicative lending terms and use these to build the projections.
Application support
Use your projections to support your finance application
Your financial projections can be used as part of a funding application with your own bank or finance broker.
If you use Samera Finance, our brokers can work from the same projections when approaching lenders, helping make sure the numbers in your application are consistent with the assumptions in your business plan.
We can then use the proposed lending terms to update the model, including loan repayments and debt servicing.
You do not need to use Samera Finance to purchase the financial projections.
How it works
How we build your financial projections
You send us your figures and assumptions
We collect the costs, quotes, fee schedule, staffing plans and other information needed to build the model.
We build and review the projections
We model the expected revenue, costs, cash flow, profitability, funding requirement and proposed loan repayments.
You receive the completed financial model
You can use it for your own planning or as part of a finance application with your bank, broker or Samera Finance.
This page is about the documents lenders want to see. You write the plan itself – we provide the template, refined over years of dental practice launches, and we’ll happily talk you through how to use it. The financial projections are a separate piece of work where the numbers really matter, and we strongly recommend our Finance team builds them.
Who you’ll work with
Talk to Uros about plans and projections
Uros leads Samera’s financial modelling and commercial finance work for dental practice start-ups and acquisitions.
He can help you understand what information is needed for the projections, how the proposed borrowing should be reflected in the model and how the finished projections fit into a lender application.
Commercial Finance Broker
- Financial projections and cash flow modelling
- Dental practice start-up finance
- Acquisition finance
- Lender applications and financial modelling
If you’d prefer to send us your details rather than book a call, reach out by phone, email or WhatsApp or fill in the form below and our team will be in touch as soon as possible.
- Phone: (+44) 20 7100 8788
- WhatsApp: Message us on WhatsApp
- Email: hello@samera.co.uk
Common questions
Questions we get from dentists planning a practice
How much do the financial projections cost?
Our financial projections cost £1,500 + VAT.
The business plan template is available free of charge.
What is included in the financial projections?
The model includes a three-year monthly profit and loss forecast, cash flow modelling and break-even analysis, estimated EBITDA, loan repayment modelling, loan service stress testing and links back to the assumptions in your written business plan.
What information do you need from me?
We will need your fee schedule, premises costs, equipment costs, fit-out and supplier quotes, staffing plans, treatment mix, patient-growth assumptions and other significant costs.
Where you already have proposed finance terms, we will also need the loan amount, term and indicative interest rate.
Do I need firm quotes before you prepare the projections?
For significant costs such as premises, equipment and fit-out, you should provide the most concrete figures available, including supplier quotes or proformas where applicable. These are more useful for both the projections and any subsequent lender application than rough estimates.
Do I have to use Samera Finance?
No. You can purchase the financial projections and use them with your own bank or finance broker.
If you use Samera Finance, our brokers can also use the projections when approaching lenders and feed indicative lending terms back into the financial model.
Can you prepare projections for both squat practices and acquisitions?
Yes.
For a squat practice, the model focuses on start-up costs, patient growth, revenue build-up, staffing, cash flow and break-even.
For an acquisition, historic trading figures can be used alongside your proposed changes, finance structure and future plans.
Do you write the business plan for me?
We provide a free dental practice business plan template that you can use to structure the written plan.
Our paid service focuses on building the detailed financial projections that sit alongside it. For help completing the written plan, you can also use our step-by-step guide to creating a dental practice business plan.
Can I use the business plan template without buying financial projections?
Yes. The dental business plan template is free to use on its own.
If you need more detailed financial modelling for your planning or a lender application, you can separately ask us to prepare the financial projections for £1,500 + VAT.
Other ways Samera supports practice owners
What you might need alongside projections
Start a dental practice
Finance, projections and practical support for dentists building a new practice from scratch.
Buy a dental practice
Buyer-side support with valuations, due diligence, finance and the financial side of acquiring a dental practice.
Dental practice finance broker
Specialist finance brokerage for buying, starting, refinancing, equipping or growing a dental practice.
Dental accountants
Specialist accounts, tax and financial reporting support for dental associates, practice owners and groups.
Learning Centre
Useful reading on the planning stage
The Learning Centre has free articles covering specific parts of the planning journey. These four are the most directly relevant.
How to Start a Dental Practice in 13 Steps
The chronological route from idea to opening day, including where the business plan sits.
Creating a Business Plan for a Dental Practice
Longer-form walkthrough of the template structure, with a free template download.
How to Finance a Squat Practice
The two-loan structure, lender appetite, and what to expect from the bank’s review process.
Five Traits of Failed Dental Start-Ups
What banks flag as red lights, and what to do about them in advance.
Practice Startup Checklist
The seven-document checklist for a dental practice launch. Business plan, financial projections, CQC application, lease, equipment finance, day-one accounts setup, marketing plan. Free download, no email gate.
Book a free consultation
Free, no obligation. We work out what you need, hand over the template if that’s all you want, and price the projections if you’ve decided to commission them.