Practice Finance for Dentists
Dental practices often involve a mix of NHS and private income, goodwill valuations and partnership or associate arrangements. These factors mean that funding for dentists needs to be structured carefully.
We specialise in arranging finance for dentists and dental practices, whether funding is required by an individual dentist or at practice level.
Who This Is For
This page is relevant if you are:
- A dentist joining or exiting a practice
- A dental practice owner acquiring another practice
- A dentist managing tax or cashflow
- A practice investing in growth or restructuring
Common Uses Of Finance
Dentists commonly use practice finance for:
- Practice acquisition
- Partner buy-in or buy-out
- Tax or VAT liabilities
- Working capital
- Investment in premises or equipment
How the Process Works
Our process is designed to be clear, compliant and efficient.
01.
Initial discussion
We discuss your objectives, practice structure and income mix. This does not affect your credit score.
02.
Review of information
We review accounts, NHS and private income, goodwill and existing commitments.
03.
Lender matching
We approach lenders experienced in dental practice finance.
04.
Completion
Once terms are agreed, funding is documented and completed.
Typical Amounts And Terms
- £10,000 to £500,000+
- Terms from 12 months to 7 years
- Often unsecured or semi-secured
- Personal guarantees may be required
What Lenders Look For
- Stability of NHS and/or private income
- Accounts and goodwill valuation
- Practice and ownership structure
- Existing borrowing commitments
Documents Typically Required
- Latest full accounts
- Recent management figures (if available)
- Management figures (if available)
- Purpose of funding
Risks And considerations
- Personal guarantees may be required
- Early repayment charges may apply
- Interest rates vary by structure and risk
- Some lending is unregulated
Frequently Asked Questions
Get answers to the most common questions about our practice finance solutions, application process, and tailored funding options for professional practices.
Can funding be used for goodwill?
Yes, where supported by valuation and accounts.
Is NHS income treated differently to private income?
Yes. Lenders assess NHS and private income separately.
Will applying affect my credit score?
Initial discussions and lender enquiries are usually soft searches.
How long does the process take?
Timescales vary, but many cases complete within days to weeks.
Grow Your Practice with Confidence
Speak to a broker who understands dental practice finance.
