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

free-stress-testing-logo

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.

  1. 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.
  2. 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.
  3. 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!
  4. 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.
If you’d like an indication of how much a lender would be willing to lend to you, please feel free to fill out our quick finance assessment form here: As soon as it’s completed, we’ll get an email to notify us and aim to provide you with an affordability report the same day.
This is based on the serviceability of the business. The general rule of thumb is, that if you purchased a practice under £500k we would expect the deposit to be approximately 10%, over £500k - 20% and it can be up to 30% for a Private practice. However, this is not a hard and fast rule, and for the right practice and the right situation, a lender may offer 100% lending if there is enough security to support in the background. It is also worth bearing in mind that if the business is strong enough to sustain the debt of the freehold, we can normally secure this element of the loan at 100%. Here’s a guideline that in our experience, we’ve found to be consistent.  

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.
Not necessarily. In most cases, there will be an unsecured option available to you as a buyer when seeking bank funding. However, using a property as security can be an effective way to reduce your cash input on a contribution. Theoretically, an NHS practice worth £750K would require a 20% contribution of £150,000. Hypothetically, if the buyer has £75,000 in cash available (10%) but also has a property with lending value of £75,000 (10%), the two can be combined to form a 20% contribution overall and fit the banks’ lending criteria. Having a reduced cash contribution can be a great way to allow for future improvements in the practice, improve cash flow, or to even help preserve your funds for your next acquisition.
Though there are a few options, typically, lending for the goodwill of a dental practice is done over 10-15 years. In terms of funds for the dental practice freehold, this is usually lent over 25 years
No! Dental Elite operates 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 any agent at all.

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
On any bank funded transaction, a buyer would be required to instruct an independent bank valuation on the practice. The cost for this can range from £750 to £3,000, ex VAT. Typically, your lender will present you with a few options from independent RICS valuers asked to quote for the business. If using any property as security, you will likely incur additional legal costs to have a second charge taken over the property; the cost of this depends on your solicitor but would likely be between £1,000 and £3,000. Further, some banks will insist on a third-party solicitor to represent their interest which will also come at a price! All of these fees need to be factored into deciding the best overall lending proposal – deciding purely based on interest rate could lead to a poor decision.
We’ve found that most lenders tend to divide their pricing into levels of borrowing: £0-£250k, £250k-£500k, £500K-£1M and then £1M+. Although pricing varies from lender to lender, typically, the more you borrow, the lower the margin tends to be with the £1M+ bracket offering the lowest margin. As you might imagine these fluctuate all the time across all the banks.
95% of the time NO! - This is as our fee is typically taken from the bank’s arrangement fee which you would have paid anyway if you had approached them without a broker. Our other add-on services; the affordability assessment, the stress testing, bank proposal and transaction management is at no extra cost to you.
Although there are a few key variables that might dictate the pace, (e.g. lease, CQC application), the average transaction lasts between 6 and 9 months.
The lenders on our panel are made up of the specialist healthcare divisions of the usual high street lenders, with some challenger banks involved as well. Our contacts have been working on healthcare lending, financing dental cases for many years, developing strong relationships with their underwriters. Making sure you have the right bank manager championing your application for funding is a crucial part of buying a dental practice. As the old adage goes: ‘it’s not what you know, it’s who you know’.

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.

Dr Imran Ahmed

Medical Elite Recruitment and Practice Sales Ltd t/a Dental Elite and DE Finance is authorised and regulated by the Financial Conduct Authority. Medical Elite Recruitment and Practice Sales Ltd t/a Dental Elite and DE Finance is a credit broker and not a lender. All finance is subject to status and income. Written Quotation will be provided on request. Medical Elite Recruitment and Practice Sales Ltd t/a Dental Elite and DE Finance can introduce you to a limited number of finance providers and may receive a commission for such introductions. Company Reg No. 07345687 | VAT Reg No. 992 9872 42