Dental Practice
Finance
We are one of the busiest dental specialist finance brokers in the UK; helping tailor finance packages for both buyers acquiring their first or second practices through to re-financing existing debt and establishing additional funding lines for more established acquirers.
Starting Your Finance Journey
We analyse your assets & liabilities
to provide you with a theoretical
budget to use when shopping for practices

We stress test practices as you
view them to ensure you can
both afford them and advise
you on likely debt capacity
Once your offer is accepted we’ll
write a tender for the banks to
ensure you get the most competitive terms
We stay with you until completion
ensuring the terms of the facility
letter are met promptly and
supporting you with the CQC
Making such a huge financial commitment to buy a practice can be a daunting experience. Especially if you have never owned your own business before or have borrowed/procured funds from a family member to fund your first foray into Dental Practice Ownership.
Dental Elite operate DE Finance independently to the core practice sales division. DE Finance’s core focus is on negotiating dental practice finance for buyers seeking to acquire a dental surgery not only through Dental Elite but also through other agents or without an agent at all.
- Indication of approximate affordability or practice size - We analyse your assets & liabilities to provide you with a theoretical budget to use when shopping for practices.
- Practice loan stress testing – We can assess practices for you, to not only check they are affordable or viable, but find out what buying this practice would mean for you personally. We’ll give you an idea of the deposit required, the potential drawings after loan repayments, and the level of clinical work you would need to carry out at the practice to maintain your earnings.
- Tailored bank proposal - Once your offer is accepted, we’ll tailor a lending proposal for the banks to ensure you get the most competitive terms. In our experience approaching the lenders via a broker will offer you the best chance of securing the best possible interest rates available as we have daily insight on the terms being offered by different banks from different relationship managers. Further, banks know that if they are getting the deal from DE Finance, they always have competition!
- Managing the transaction – We will work with the lender to make sure they have everything they need in order to provide the funds. We act as a lynchpin between yourselves, the bank and your solicitor to keep the transaction on track.
NHS/Mixed:
- £500K – 10% Contribution
- £500K – 20% Contribution
Fully Private:
Any Value - 10-25% Contribution Your deposit could potentially be a blend of cash and security, providing you have property with enough lending value available for a second charge. In theory, with enough security, you could reduce your cash input to 0%, allowing you to borrow with 100% lending.No Result, No Fee Dental Practice Finance
As every practice and loan proposal is individual it is very difficult to provide any buyer with cast iron budget. Especially with dental practices now often selling with high goodwill premiums, which more often than not require a higher cash contribution than if a practice sold for just the marketing price. However, when a buyer first makes contact with DE Finance we ask you to complete an Initial Finance Assessment Form which you can now complete online once you have registered. This will enable us to give you an indicative idea of the kind of practices you can consider viewing and bidding on.
When you shortlist a practice, you can make contact with DE Finance as often as you wish and our team will conduct an affordability test on the target so you can bid with confidence. Furthermore, we will provide you written confirmation of the viability of your bid provided you are bidding within the constraints of the affordability check.
When your offer is accepted, the real work begins. We will populate a profile for circulation amongst all the lenders that we know would consider your proposal and we work a competitive tender process to ensure we come back to you with the best deal on the market. Thereby providing you with a full comparison of all the indicative terms provided. Book a free consultation today.


Instant Indication of Upper Lending Limit | |
Bespoke Practice Analysis to Indicate Affordability | |
Tailored Application for Banks to Suit Your Needs | |
Negotiate the Best Rates the Market Will Offer | |
Refinance Your Existing Debt if Required | |
Full Loan Term Cost Analysis | |
Full Credit Application Support | |
Free CQC Application Support | |
Full Sales Progression Support until Completion | |
Zero Additional Cost on 76% of Transactions |
Featured Case Study
Imran Ahmed
We all have the dream of owning our own practice, however the thought of making that transition is often frightening.
My first thought was, what can I afford? The only loan I’d ever got was for my home, and that was in the days banks were handing out money to anyone and everyone. This is where DE Finance were invaluable. Long before I found the right practice, DE Finance had taken all the relevant information from me, and let me know what I could realistically expect to get from the banks given my circumstances.

