We provide expert, hands-on training and technical support to ensure you understand your digital tax software and stay fully compliant with HMRC’s MTD requirements.
This one-off, two-hour training and support session is designed to give you complete confidence in using your MTD ITSA software. Whether you’re new to digital tax or looking to improve your skills, we offer practical guidance tailored to your needs.
Each session includes:
Initial Consultation – We begin with a short consultation to assess your current software setup, level of experience, and goals.
Two-Hour Training Session – A detailed, step-by-step one to one walkthrough covering software setup, navigation, record-keeping, submissions, and troubleshooting.
Training Materials – Professionally prepared reference materials to help you continue learning at your own pace.
Q&A Session – Dedicated time to address your questions and ensure you’re confident using your MTD ITSA software.
Fees
One-Off Training & Support Session (2 Hours): £750 + VAT
Includes initial consultation, live training, training materials, and a full Q&A session.
Why Choose Our MTD ITSA Training?
Experienced and qualified MTD ITSA specialists
Practical, easy-to-understand training sessions
Professional guidance tailored to your needs
Affordable one-off support
Flexible online training sessions
Book Your MTD ITSA Training Session
Take control of your Making Tax Digital for Income Tax compliance today.
Contact us to book your MTD ITSA Support & Training Session or to find out more about our services.
AI agents are smart digital assistants trained to carry out specific tasks 24/7, with accuracy and consistency. These aren’t just generic chatbots. They’re custom-built to act, learn, and improve, taking care of functions across finance, customer service, marketing, and administration.
As accountants ourselves who understand the challenges the accounting world is facing, we create AI agents that do the heavy lifting so you can focus on growth.
Our new AI Agent Development Service helps you:
Automate repetitive tasks
Improve client experience
Make smarter decisions
Save time and money
All with AI tools designed specifically for your business.
AI Agents We Can Build for You
Finance & Accounting Agents
Bookkeeping Agent
Automates data entry, categorises transactions, and reconciles accounts — in real time.
Cash Flow Forecast Agent
Analyses historical trends, integrates with your bank feeds, and projects future cash flow.
Invoice & Collections Agent
Creates and sends invoices, follows up with clients, and provides daily aged debtor reports.
AI Budget Planner
Helps build and adjust budgets with scenario planning and alert systems for overspending.
Customer-Facing Agents
AI Client Support Assistant
Handles FAQs, explains services, and triages requests for human follow-up.
Appointment & Payment Agent
Books consultations, sends reminders, and facilitates payment links automatically.
Business Intelligence Agents
KPI & Metrics Tracker
Connects to your systems (like Xero, QuickBooks, CRM), visualises key metrics, and provides weekly reports.
Profitability Advisor
Benchmarks your financials against industry data and suggests pricing or cost-saving adjustments.
How It Works
Discovery Session
We identify where automation will have the most impact in your business.
Custom Agent Development
Our AI developers and accountants build a tailored solution using secure and ethical AI tools.
Integration & Training
We integrate the agent into your systems (email, CRM, cloud accounts) and train your team.
Ongoing Support & Refinement
You get continuous optimisation and human support as your agent learns and improves.
Why Choose Us?
We Understand Finance
Built by accountants for real-world financial accuracy.
Tailored to You
No off-the-shelf solutions. Every agent is customised to your workflow.
Built with Compliance in Mind
We use secure platforms and follow UK GDPR and accounting standards.
Affordable
Designed for small business budgets — no enterprise pricing here.
We will apply our anti-fraud software to your Xero tenancy on your behalf. Once it is active you will benefit from continuous fraud analysis, with email alerts automatically generated when issues are identified.
How it works
Our software platform performs automated checks across your Xero profile to trigger alerts relating to supplier or customer fraud risk, invoice legitimacy, payment anomalies, and indications of corruption.
Our protection is built upon three key principles of fraud resilience:
Protect
Stop it before it happens.
Identify
Find it fast to limit the impact.
Deter
Deter people from committing it.
What to Expect
Our fraud analytics tool integrates with Xero to analyse financial data, focusing on identifying payment anomalies, supplier and customer fraud risks, and general fraud governance issues. This tool monitors transactions and data to detect unusual patterns, assess supplier and customer characteristics using open source data for signs of fraud or wrongdoing, and evaluates internal controls for potential governance issues.
Data privacy and security are prioritised, with financial data encrypted during analysis and storage, and access restricted to authorised personnel. Clients are responsible for ensuring accurate data input into Xero, reviewing flagged risks, and implementing recommended governance practices to mitigate fraud risks.
With extensive expertise in dental, offshoring, and accounting, Samera offers a comprehensive suite of Dental Assistance Services designed to streamline your operations, enhance patient care, and support the growth of your practice whilst reducing costs.
The labour shortages in the UK Dental Market will be further compounded by the changes in employers National Insurance, the increase in National Minimum Wage in April 2025, which will lead to much higher costs in practice. Now is the time for dental practices to look at all of their business costs and different ways to save money, whilst still growing!
Arun Mehra, CEO
Dental Assistance Services
This offering was developed in response to the growing demand from dental practices for cost-effective and reliable support to manage administrative burdens, improve patient satisfaction, and address challenges posed by labour shortages. We understand the pressures faced by dental professionals and created this service to help practices focus on what matters most-providing excellent dental care.
Core Services:
Scheduling and follow-ups:
Calling patients with outstanding treatment plans to schedule or reschedule appointments (re-calls).
Contacting patients a day or two before appointments for a personalized touch and to reduce no-shows.
Sending out appointment confirmations, treatment plans, invoices, and statements.
Communication:
Answering phone calls and scheduling appointments.
Replying to patient emails promptly and professionally.
Calling patients a day after a difficult procedure i.e. extraction to ask how they are – value added
Informing patients about the importance of dental hygiene and booking them for appointments.
Coordination:
Relating patient records between dental practices and laboratories.
Administrative support:
Managing stock orders as required. Also making emergency calls to suppliers for stock.
If stock blocked due to unpaid bills, contacting accounts teams to push timely payment which then mobilises vital stock.
Benefits of Outsourcing:
Time Savings: Free yourself from handling phone calls and emails to focus on strengthening in-person patient relationships.
Practice Growth: Gain more time to focus on expanding and improving your dental practice.
Enhanced Patient Care: Devote more attention to delivering exceptional customer service.
Competitive Edge: Stand out from competitors by providing a seamless patient experience.
Cost Efficiency: Save up to 50% on expenses, including National Insurance contributions, and reduce the effort of hiring local talent. Address challenges posed by labour shortages with affordable, qualified support.
At Samera, we understand that running a dental practice or managing a dental group requires more than clinical expertise—it demands a robust financial foundation. Our proven financial systems are designed specifically for the dental industry, empowering you to streamline operations, enhance profitability, and achieve long-term growth.
Why Financial Systems Matter
Efficient financial systems are the backbone of a thriving dental practice. They ensure accurate financial reporting, improved cash flow management, and seamless compliance with regulatory requirements. Whether you’re managing a single practice or overseeing a group of dental clinics, having the right systems in place can save you time, reduce stress, and enable you to focus on patient care.
At Samera, we specialize in implementing tailored financial systems that meet the unique challenges of the dental sector.
What We Offer
Our approach combines industry expertise with cutting-edge tools to deliver financial systems that work for you. Here’s how we can help:
Customized System Design
We work closely with your team to design financial systems that align with your practice’s structure, size, and goals. Whether it’s a single location or a multi-site group, we’ll tailor solutions to fit your needs.
Cloud-Based Accounting
Embrace the latest technology with secure, cloud-based accounting software that allows you to access real-time financial data anytime, anywhere. Track performance, manage expenses, and stay on top of your cash flow with ease.
Automation and Integration
Streamline repetitive tasks such as invoicing, payroll, and expense tracking. Our systems integrate seamlessly with your existing software, reducing manual errors and saving time.
Financial Reporting and Insights
Gain actionable insights into your practice’s financial health with detailed reports and dashboards. We’ll help you monitor KPIs, identify trends, and make informed decisions to boost profitability.
Regulatory Compliance
Ensure your practice adheres to UK tax laws and industry regulations. Our systems are designed to help you stay compliant, avoiding penalties and maintaining a solid reputation.
Benefits for Your Practice or Group
Enhanced Efficiency: Simplify day-to-day financial management and free up time for strategic initiatives.
Improved Profitability: Identify cost-saving opportunities and optimize revenue streams.
Scalability: Build systems that grow with your practice, supporting expansion and acquisitions.
Peace of Mind: Rely on accurate, reliable financial systems to keep your practice running smoothly.
Let’s Build a Stronger Financial Future
Whether you’re starting a new dental practice or looking to modernise your financial systems, Samera is here to help. With our expertise and commitment to excellence, we’ll implement systems that set you up for success.
Contact us today to schedule a consultation and take the first step toward a more efficient, profitable dental business.
As dental practice owners ourselves, we are one of the UK’s leading specialists in practice management.
Our range of services help our clients with both the day-to-day and long-term planning and management of their businesses.
From our free reviews to our financial director services, we can help make sure your practice is run as well as possible.
We can help improve client and employee satisfaction as well as your overall profits.
We Can Help With
Cloud Accounting Software Subscription
Financial Health Checkup
Finance Director Services
Management Meetings
Advance Tax Planning and estimation
Dental Buying group
Financial & Management reporting
Proactive Fraud Resilience
Why Choose Samera
Never made me feel silly for the million questions I had, and was always very accesible. 19/20 was my first year with Samera and I wish I had come to them sooner! Thank you!!
Five stars
We don’t just help our clients with practice management, we run our own dental group. We specialise because we do it ourselves every day.
We know what works and what doesn’t. We know how to increase profits and how to run a better business.
Book a free consultation with us today to find out more about how we can help.
Fee Review
Our approach to pricing your dental services is analytical and thorough, ensuring you price your services profitably and effectively.
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
Whether you are an associate dentist or own a dental group, proper company management is essential.
From forming your company to winding it up, you need an accountant who specialise in the UK’s dental sector.
Samera can help you at every step of the way when it comes to ensuring you get the advice and support you need when it comes to company management.
We can help with:
Incorporation Assessment
Incorporation Advice
Company Formation
Winding up of LLP
Registered Office Service
Company Secretarial service
Shares transfer
Creation of shareholder meeting register
Debt Advisory and Corporate Restructuring
Dividend Vouchers
Why Choose Samera
Most Dentists have asked the question: Self Employed or Limited Liability?
As practice owners ourselves, we know exactly what both associates and practice owners need when it comes to company incorporation and management.
Sole traders, partnerships and expense sharing arrangements can all be incorporated, but it is so important this is done right first time, else considerable problems can manifest later on.
With over 20 years of experience both running our own dental companies and helping our clients do it, we can help you at every step of the way.
Dental Incorporation Overview
As of the 31st July 2006 new legal reforms have allowed dental practices to incorporate and begin trading as limited companies. The majority of the company directors must be registered with the GDC as dentists or dental care professionals.
Possible Tax Savings
There are both advantages and disadvantages to the incorporation of your dental practice and you should consider all options carefully.
There may be considerable tax savings but not necessarily in all cases, and these are offset by the costs of added bureaucracy, professional fees and start-up costs.
For high rate taxpayers, incorporation could have considerable savings for dentists.
Associates
The GDC will allow associates to practice through a limited company, however, associates cannot benefit from goodwill when the company is set up and it is possible that HM Revenue & Customs could invoke some penal tax rules to take away any potential tax savings from Dental Associate Limited Companies.
We would recommend that associates carefully consider all the risks before trading as a limited company. In addition, before you consider incorporating your Associate business, you will need to consider your pension arrangements, as the NHS now won’t pay NHS pensions to those Associates that may have incorporated into a Limited Company.
What to do next
Incorporation is not for everyone. It would be prudent to evaluate all the pro’s and cons of incorporation before you decide to incorporate.
Therefore, we would strongly recommend we carry out a thorough feasibility study based on your individual circumstances. We stress this is an essential part of the process in order to determine whether trading as a limited company is the right choice for you.
Professional Fee Protection
Samera offers a professional fee protection service to our clients.
In the event of a tax investigation, we offer an insurance policy for our clients to take out to cover our fees. Please get in touch with us for details.
Dental Practice Mergers
Dental practice merger and acquisition decisions can be very intimidating and perplexing.
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
As a firm of specialist accountants for facial aesthetician clinics just like yours, we are experts at processing the accounts and tax for all facial aesthetic offices and their employees.
When you go digital and automate your accounts, tax and finances, you save time, money and effort, whilst also keeping your important documents and information safe, secure and updated in real-time.
Mountains of paperwork, sending endless forms back and forth, chasing each other down for invoices or statements, those are things of the past. Now is the time for automating your financial processes in your business. It’s not just timely, it’s essential.
At Samera we use efficient, technologically advanced accounting software for facial aestheticians.
What we can help with:
Book-keeping
Accounts payable
Accounts receivable
Management accounts and reporting
Payroll and pension requirements
Tax planning
EBITDA monitoring
Overhead analysis
Stock ordering and control
Why choose Samera?
Samera Accountants began over 20 years ago as a small firm of accountants for healthcare businesses in London, UK. Today, we help facial aestheticians from all across the globe run their accounts, manage their finances and grow their wealth.
We have been one of the leading names in healthcare accountancy in the UK for a long time. We’ve now built a global team of experts in healthcare accounts to bring our expertise to the world’s facial aestheticians.
Over the last few years, the UK brought in new legislation meaning all accounts must now be done via digital software. While other accountancy firms are still scrambling to update their processes, we were years ahead of the game.
We have been advocating for automated accounts and pioneering digital accountancy software for years. It’s great to see everyone else catching up finally!
Our fully-automated system means it doesn’t matter where you are in the world, our accountancy experts will be able to process your accounts easily, securely and quickly.
All you need to do is send us a photo of your receipts and … that’s it! Just send us images of your receipts and we’ll do the rest.
Overhead analysis for facial aestheticians
By analysing your overheads and determining where savings can be made, you can make a big difference to your cash flow.
Remember, every little helps – by making enough small changes in enough areas of your business, you will make a big difference to your profitability.
Some examples of overheads facing a facial aestheticians are rent, utilities, insurance and labour costs.
Usually, you won’t have much control over these costs. However, by focusing on the multiple smaller costs that you can control, you can make a huge difference in your beauty clinic’s finances and accounts.
Our experts in accounts and financing for facial aestheticians can take a look at your overheads and analyse the best opportunities for making savings.
EBITDA monitoring and analysis
EBITDA stands for: Earnings Before Interest, Taxes, Depreciation, and Amortisation. It is one of the key metrics we use to determine the financial health and true value of a facial aesthetician clinic.
Every facial aesthetician clinic is different. This is why we always ask for 3 years of financial accounts and records at least, sometimes more. We analyse your accounts, cash flow and tax structures whilst also holding in-depth discussions with the business owners and day-to-day managers.
This allows us to determine the true value of your clinic.
Management accounts
Our specialist accountants can manage and process your facial aesthetician clinic’s management accounts.
Our team are experts at handling and organising your clinic’s:
Executive summary
Profit and loss reports (monthly and YTD)
Balance sheet
Cash flow statement
Monthly aged creditors
Fully reconciled bank account
The digital process we use to handle your clinic’s management accounts is fully automated, making it secure, quick and easy to use.
Our specialist facial aesthetician accountants will ensure your financial records and data is accessible to you in real time when and where you need it.
We are Gold Standard partners with Xero.
Debt advisory and corporate restructuring
Our expert accounting team can help restructure and refinance your beauty clinic’s debt to make them more favourable and ease the strain on your cash flow.
We help the UK’s facial aestheticianss with:
Corporate restructuring
Debt advisory
Crisis cash flow management
Coupled with the Samera Finance team, we can help raise new finance or refinance your current loans. Our finance team is made up of former banks who specialise in the UK’s healthcare lending sector. If there’s a better deal out there or a better structure within the business, we’ll find it.
IR35 for facial aesthetician
IR35 is intended to tighten the tax process in the UK and may affect the way you or your employees are paid by the clinic.
If you are unsure how the IR35 changes will affect facial aestheticianss and their staff, get in contact with us immediately.
We will perform an IR35 review of your clinic and determine how you will be affected and what changes (if any) need to be made to your payment structure.
The changes take effect from April 2023 so book a consultation now.
Payroll and pensions
At Samera we use BrightPay payroll software which is an efficient, technologically advanced payroll software.
Our process allows for a quick, easy and secure solution for your beauty clinic’s payroll and pension needs.
The BrightPay software our trained professionals use allows both you and our payroll experts to access the highly secure data and allows access to employer files for all individuals who need it.
All you need to do is log into your employer portal at any time, in any place. Log in from any smartphone, tablet device, laptop or computer. After this you are able to:
Share important documents. The app will monitor who has opened and read these documents.
Approve any personal detail changes of employees.
Approve or deny any annual leave requests (requested easily through the app as well).
You and your employees are able to access a real time company-wide calendar.
Making tax digital
We at Samera have been pioneering digital accounts and tax processes for years, it’s nice to see the rest of the country catching up.
The current accounts and tax regulations surrounding how you record and process your accounts and tax data is changing.
You will soon have to use government-approved, digital software to manage your finances and keep specific records for 6 years.
We have been using a fully-automated, digital process for years. All of our software is Making Tax Digital compliant and we can ensure your accounts and tax are processed correctly.
Fee review
Are you charging the right amount for your services? Making sure you are setting the right price in your clinic is essential to turning a profit.
With the price of services rising across the board, patients having less cash to spend and goods and equipment becoming more expensive, should you be charging more as well?
Does it make more sense for your situation to undercut your competitors?
Our approach to reviewing your fees is analytical and in-depth.
Our experts will make sure your services are priced correctly, you’re getting the value you deserve and the profits you’ve earned.
Accounts payable service
Our specialist accountants for facial aestheticians use Xero and Wise to create an efficient, streamlined accounts payable service.
Once we have integrated Xero and Wise with your clinic’s system, our team will ensure all information you hold is correct, notify all suppliers about any changes to the process or contact details, merge any duplicates and perform a consolidation (or tidy-up) of your records.
All you need to do is upload your invoices, credit notes and statements to Hubdoc, we will do the rest.
We will review, categorise, publish and file all of your documents. We will reconcile your accounts payable with supplier statements, allowing us to identify any missing information or mistakes.
We will present you with all of the unpaid invoices and, once you have approved them, they will be paid as a batch payment by Xero and Wise.
Healthcare Accounts & Tax Specialists
Our team of specialist accountants and tax experts can help manage, process and structure your business’s finances. From management accounts and payroll & pensions to tax planning and cash flow management, we can take care of the full back-office function of your business.
Book a free, no-obligation consultation with one of the team to find out how we can make your accounts & tax easier, quicker and cheaper.
As a firm of specialist accountants for veterinary practices just like yours, we are experts at processing the accounts and tax for all medical health professionals and their employees.
When you go digital and automate your accounts, tax and finances, you save time, money and effort, whilst also keeping your important documents and information safe, secure and updated in real-time.
Mountains of paperwork, sending endless forms back and forth, chasing each other down for invoices or statements, those are things of the past. Now is the time for automating your financial processes in your business. It’s not just timely, it’s essential.
At Samera we use efficient, technologically advanced accounting software for vets.
What we can help with:
Book-keeping
Accounts payable
Accounts receivable
Management accounts and reporting
Payroll and pension requirements
Tax planning
EBITDA monitoring
Overhead analysis
Stock ordering and control
Why choose Samera?
Samera Accountants began over 20 years ago as a small firm of accountants for healthcare businesses in London, UK. Today, we help veterinarians from all across the globe run their accounts, manage their finances and grow their wealth.
We have been one of the leading names in healthcare accountancy in the UK for a long time. We’ve now built a global team of experts in healthcare accounts to bring our expertise to the world’s vets and their employees.
Over the last few years, the UK brought in new legislation meaning all accounts must now be done via digital software. While other accountancy firms are still scrambling to update their processes, we were years ahead of the game.
We have been advocating for automated accounts and pioneering digital accountancy software for years. It’s great to see everyone else catching up finally!
Our fully-automated system means it doesn’t matter where you are in the world, our accountancy experts will be able to process your accounts easily, securely and quickly.
All you need to do is send us a photo of your receipts and … that’s it! Just send us images of your receipts and we’ll do the rest.
Overhead analysis for vets
By analysing your overheads and determining where savings can be made, you can make a big difference to your cash flow.
Remember, every little helps – by making enough small changes in enough areas of your business, you will make a big difference to your profitability.
Some examples of overheads facing a veterinarian are rent, utilities, insurance and labour costs.
Usually, you won’t have much control over these costs. However, by focusing on the multiple smaller costs that you can control, you can make a huge difference in your veterinarian clinic’s finances and accounts.
Our experts in accounts and financing for veterinarians can take a look at your overheads and analyse the best opportunities for making savings.
EBITDA monitoring and analysis
EBITDA stands for: Earnings Before Interest, Taxes, Depreciation, and Amortisation. It is one of the key metrics we use to determine the financial health and true value of a veterinarian clinic.
Every veterinarian clinic is different. This is why we always ask for 3 years of financial accounts and records at least, sometimes more. We analyse your accounts, cash flow and tax structures whilst also holding in-depth discussions with the business owners and day-to-day managers.
This allows us to determine the true value of your clinic.
Management accounts
Our specialist accountants can manage and process your veterinarian clinic’s management accounts.
Our team are experts at handling and organising your clinic’s:
Executive summary
Profit and loss reports (monthly and YTD)
Balance sheet
Cash flow statement
Monthly aged creditors
Fully reconciled bank account
The digital process we use to handle your clinic’s management accounts is fully automated, making it secure, quick and easy to use.
Our specialist veterinarian accountants will ensure your financial records and data is accessible to you in real time when and where you need it.
We are Gold Standard partners with Xero.
Debt advisory and corporate restructuring
Our expert accounting team can help restructure and refinance your veterinarian clinic’s debt to make them more favourable and ease the strain on your cash flow.
We help the UK’s veterinarians with:
Corporate restructuring
Debt advisory
Crisis cash flow management
Coupled with the Samera Finance team, we can help raise new finance or refinance your current loans. Our finance team is made up of former banks who specialise in the UK’s healthcare lending sector. If there’s a better deal out there or a better structure within the business, we’ll find it.
IR35 for veterinarians
IR35 is intended to tighten the tax process in the UK and may affect the way you or your employees are paid by the clinic.
If you are unsure how the IR35 changes will affect veterinarians and their staff, get in contact with us immediately.
We will perform an IR35 review of your clinic and determine how you will be affected and what changes (if any) need to be made to your payment structure.
Payroll and pensions
At Samera we use BrightPay payroll software which is an efficient, technologically advanced payroll software.
Our process allows for a quick, easy and secure solution for your veterinarian clinic’s payroll and pension needs.
The BrightPay software our trained professionals use allows both you and our payroll experts to access the highly secure data and allows access to employer files for all individuals who need it.
All you need to do is log into your employer portal at any time, in any place. Log in from any smartphone, tablet device, laptop or computer. After this you are able to:
Share important documents. The app will monitor who has opened and read these documents.
Approve any personal detail changes of employees.
Approve or deny any annual leave requests (requested easily through the app as well).
You and your employees are able to access a real time company-wide calendar.
Making tax digital
We at Samera have been pioneering digital accounts and tax processes for years, it’s nice to see the rest of the country catching up.
The current accounts and tax regulations surrounding how you record and process your accounts and tax data is changing.
You will soon have to use government-approved, digital software to manage your finances and keep specific records for 6 years.
We have been using a fully-automated, digital process for years. All of our software is Making Tax Digital compliant and we can ensure your accounts and tax are processed correctly.
Fee review
Are you charging the right amount for your services? Making sure you are setting the right price in your clinic is essential to turning a profit.
With the price of services rising across the board, patients having less cash to spend and goods and equipment becoming more expensive, should you be charging more as well?
Does it make more sense for your situation to undercut your competitors?
Our approach to reviewing your fees is analytical and in-depth.
Our experts will make sure your services are priced correctly, you’re getting the value you deserve and the profits you’ve earned.
Accounts payable service
Our specialist accountants for veterinarians use Xero and Wise to create an efficient, streamlined accounts payable service.
Once we have integrated Xero and Wise with your clinic’s system, our team will ensure all information you hold is correct, notify all suppliers about any changes to the process or contact details, merge any duplicates and perform a consolidation (or tidy-up) of your records.
All you need to do is upload your invoices, credit notes and statements to Hubdoc, we will do the rest.
We will review, categorise, publish and file all of your documents. We will reconcile your accounts payable with supplier statements, allowing us to identify any missing information or mistakes.
We will present you with all of the unpaid invoices and, once you have approved them, they will be paid as a batch payment by Xero and Wise.
Healthcare Accounts & Tax Specialists
Our team of specialist accountants and tax experts can help manage, process and structure your business’s finances. From management accounts and payroll & pensions to tax planning and cash flow management, we can take care of the full back-office function of your business.
Book a free, no-obligation consultation with one of the team to find out how we can make your accounts & tax easier, quicker and cheaper.
As a firm of specialist accountants for daycares and nurseries just like yours, we are experts at processing the accounts and tax for all daycares and their employees.
When you go digital and automate your accounts, tax and finances, you save time, money and effort, whilst also keeping your important documents and information safe, secure and updated in real-time.
Mountains of paperwork, sending endless forms back and forth, chasing each other down for invoices or statements, those are things of the past. Now is the time for automating your financial processes in your business. It’s not just timely, it’s essential.
At Samera we use efficient, technologically advanced accounting software for daycares and nurseries.
What we can help with:
Book-keeping
Accounts payable
Accounts receivable
Management accounts and reporting
Payroll and pension requirements
Tax planning
EBITDA monitoring
Overhead analysis
Stock ordering and control
Why choose Samera?
Samera Accountants began over 20 years ago as a small firm of accountants for healthcare businesses in London, UK. Today, we help daycares and nurseries from all across the globe run their accounts, manage their finances and grow their wealth.
We have been one of the leading names in healthcare and childcare accountancy in the UK for a long time. We’ve now built a global team of experts in childcare accounts to bring our expertise to the world’s nurseries and their employees.
Over the last few years, the UK brought in new legislation meaning all accounts must now be done via digital software. While other accountancy firms are still scrambling to update their processes, we were years ahead of the game.
We have been advocating for automated accounts and pioneering digital accountancy software for years. It’s great to see everyone else catching up finally!
Our fully-automated system means it doesn’t matter where you are in the world, our accountancy experts will be able to process your accounts easily, securely and quickly.
All you need to do is send us a photo of your receipts and … that’s it! Just send us images of your receipts and we’ll do the rest.
Overhead analysis for daycares
By analysing your overheads and determining where savings can be made, you can make a big difference to your cash flow.
Remember, every little helps – by making enough small changes in enough areas of your business, you will make a big difference to your profitability.
Some examples of overheads facing a daycare are rent, utilities, insurance and labour costs.
Usually, you won’t have much control over these costs. However, by focusing on the multiple smaller costs that you can control, you can make a huge difference in your nursery’s finances and accounts.
Our experts in accounts and financing for daycares can take a look at your overheads and analyse the best opportunities for making savings.
EBITDA monitoring and analysis
EBITDA stands for: Earnings Before Interest, Taxes, Depreciation, and Amortisation. It is one of the key metrics we use to determine the financial health and true value of a daycare.
Every nursery is different. This is why we always ask for 3 years of financial accounts and records at least, sometimes more. We analyse your accounts, cash flow and tax structures whilst also holding in-depth discussions with the business owners and day-to-day managers.
This allows us to determine the true value of your clinic.
Management accounts
Our specialist accountants can manage and process your nursery’s management accounts.
Out team are experts at handling and organising your clinic’s:
Executive summary
Profit and loss reports (monthly and YTD)
Balance sheet
Cash flow statement
Monthly aged creditors
Fully reconciled bank account
The digital process we use to handle your clinic’s management accounts is fully automated, making it secure, quick and easy to use.
Our specialist daycare accountants will ensure your financial records and data is accessible to you in real time when and where you need it.
We are Gold Standard partners with Xero.
Debt advisory and corporate restructuring
Our expert accounting team can help restructure and refinance your nursery’s debt to make them more favourable and ease the strain on your cash flow.
We help the UK’s daycares with:
Corporate restructuring
Debt advisory
Crisis cash flow management
Coupled with the Samera Finance team, we can help raise new finance or refinance your current loans. Our finance team is made up of former banks who specialise in the UK’s healthcare lending sector. If there’s a better deal out there or a better structure within the business, we’ll find it.
IR35 for daycares
IR35 is intended to tighten the tax process in the UK and may affect the way you or your employees are paid by the clinic.
If you are unsure how the IR35 changes will affect daycares and their staff, get in contact with us immediately.
We will perform an IR35 review of your clinic and determine how you will be affected and what changes (if any) need to be made to your payment structure.
The changes take effect from April 2023 so book a consultation now.
Payroll and pensions
At Samera we use BrightPay payroll software which is an efficient, technologically advanced payroll software.
Our process allows for a quick, easy and secure solution for your nursery’s payroll and pension needs.
The BrightPay software our trained professionals use allows both you and our payroll experts to access the highly secure data and allows access to employer files for all individuals who need it.
All you need to do is log into your employer portal at any time, in any place. Log in from any smartphone, tablet device, laptop or computer. After this you are able to:
Share important documents. The app will monitor who has opened and read these documents.
Approve any personal detail changes of employees.
Approve or deny any annual leave requests (requested easily through the app as well).
You and your employees are able to access a real time company-wide calendar.
Making tax digital
We at Samera have been pioneering digital accounts and tax processes for years, it’s nice to see the rest of the country catching up.
The current accounts and tax regulations surrounding how you record and process your accounts and tax data is changing.
You will soon have to use government-approved, digital software to manage your finances and keep specific records for 6 years.
We have been using a fully-automated, digital process for years. All of our software is Making Tax Digital compliant and we can ensure your accounts and tax are processed correctly.
Fee review
Are you charging the right amount for your services? Making sure you are setting the right price in your clinic is essential to turning a profit.
With the price of services rising across the board, patients having less cash to spend and goods and equipment becoming more expensive, should you be charging more as well?
Does it make more sense for your situation to undercut your competitors?
Our approach to reviewing your fees is analytical and in-depth.
Our experts will make sure your services are priced correctly, you’re getting the value you deserve and the profits you’ve earned.
Accounts payable service
Our specialist accountants for daycares use Xero and Wise to create an efficient, streamlined accounts payable service.
Once we have integrated Xero and Wise with your clinic’s system, our team will ensure all information you hold is correct, notify all suppliers about any changes to the process or contact details, merge any duplicates and perform a consolidation (or tidy-up) of your records.
All you need to do is upload your invoices, credit notes and statements to Hubdoc, we will do the rest.
We will review, categorise, publish and file all of your documents. We will reconcile your accounts payable with supplier statements, allowing us to identify any missing information or mistakes.
We will present you with all of the unpaid invoices and, once you have approved them, they will be paid as a batch payment by Xero and Wise.
When you go digital and automate your accounts, tax and finances, you save time, money and effort, whilst also keeping your important documents and information safe, secure and updated in real-time.
Mountains of paperwork, sending endless forms back and forth, chasing each other down for invoices or statements, those are things of the past. Now is the time for automating your financial processes in your business. It’s not just timely, it’s essential.
At Samera we use efficient, technologically advanced accounting software for doctors and GPs.
What we can help with:
Book-keeping
Accounts payable
Accounts receivable
Management accounts and reporting
Payroll and pension requirements
Tax planning
EBITDA monitoring
Overhead analysis
Stock ordering and control
Why choose Samera?
Samera Accountants began over 20 years ago as a small firm of accountants for healthcare businesses in London, UK. Today, we help doctors and GPs from all across the globe run their accounts, manage their finances and grow their wealth.
We have been one of the leading names in healthcare accountancy in the UK for a long time. We’ve now built a global team of experts in healthcare accounts to bring our expertise to the world’s doctors and their employees.
Over the last few years, the UK brought in new legislation meaning all accounts must now be done via digital software. While other accountancy firms are still scrambling to update their processes, we were years ahead of the game.
We have been advocating for automated accounts and pioneering digital accountancy software for years. It’s great to see everyone else catching up finally!
Our fully-automated system means it doesn’t matter where you are in the world, our accountancy experts will be able to process your accounts easily, securely and quickly.
All you need to do is send us a photo of your receipts and … that’s it! Just send us images of your receipts and we’ll do the rest.
Overhead analysis for gp’s
By analysing your overheads and determining where savings can be made, you can make a big difference to your cash flow.
Remember, every little helps – by making enough small changes in enough areas of your business, you will make a big difference to your profitability.
Some examples of overheads facing a GP are rent, utilities, insurance and labour costs.
Usually, you won’t have much control over these costs. However, by focusing on the multiple smaller costs that you can control, you can make a huge difference in your GP clinic’s finances and accounts.
Our experts in accounts and financing for GPs can take a look at your overheads and analyse the best opportunities for making savings.
EBITDA monitoring and analysis
EBITDA stands for: Earnings Before Interest, Taxes, Depreciation, and Amortisation. It is one of the key metrics we use to determine the financial health and true value of a GP.
Every GP clinic is different. This is why we always ask for 3 years of financial accounts and records at least, sometimes more. We analyse your accounts, cash flow and tax structures whilst also holding in-depth discussions with the business owners and day-to-day managers.
This allows us to determine the true value of your clinic.
Management accounts
Our specialist accountants can manage and process your GP clinic’s management accounts.
Our team are experts at handling and organising your clinic’s:
Executive summary
Profit and loss reports (monthly and YTD)
Balance sheet
Cash flow statement
Monthly aged creditors
Fully reconciled bank account
The digital process we use to handle your clinic’s management accounts is fully automated, making it secure, quick and easy to use.
Our specialist GP accountants will ensure your financial records and data is accessible to you in real time when and where you need it.
We are Gold Standard partners with Xero.
Debt advisory and corporate restructuring
Our expert accounting team can help restructure and refinance your GP clinic’s debt to make them more favourable and ease the strain on your cash flow.
We help the UK’s GPs with:
Corporate restructuring
Debt advisory
Crisis cash flow management
Coupled with the Samera Finance team, we can help raise new finance or refinance your current loans. Our finance team is made up of former banks who specialise in the UK’s healthcare lending sector. If there’s a better deal out there or a better structure within the business, we’ll find it.
IR35 for gp’s
IR35 is intended to tighten the tax process in the UK and may affect the way you or your employees are paid by the clinic.
If you are unsure how the IR35 changes will affect GPs and their staff, get in contact with us immediately.
We will perform an IR35 review of your clinic and determine how you will be affected and what changes (if any) need to be made to your payment structure.
The changes take effect from April 2023 so book a consultation now.
Payroll and pensions
At Samera we use BrightPay payroll software which is an efficient, technologically advanced payroll software.
Our process allows for a quick, easy and secure solution for your GP clinic’s payroll and pension needs.
The BrightPay software our trained professionals use allows both you and our payroll experts to access the highly secure data and allows access to employer files for all individuals who need it.
All you need to do is log into your employer portal at any time, in any place. Log in from any smartphone, tablet device, laptop or computer. After this you are able to:
Share important documents. The app will monitor who has opened and read these documents.
Approve any personal detail changes of employees.
Approve or deny any annual leave requests (requested easily through the app as well).
You and your employees are able to access a real time company-wide calendar.
Making tax digital
We at Samera have been pioneering digital accounts and tax processes for years, it’s nice to see the rest of the country catching up.
The current accounts and tax regulations surrounding how you record and process your accounts and tax data is changing.
You will soon have to use government-approved, digital software to manage your finances and keep specific records for 6 years.
We have been using a fully-automated, digital process for years. All of our software is Making Tax Digital compliant and we can ensure your accounts and tax are processed correctly.
Fee review
Are you charging the right amount for your services? Making sure you are setting the right price in your clinic is essential to turning a profit.
With the price of services rising across the board, patients having less cash to spend and goods and equipment becoming more expensive, should you be charging more as well?
Does it make more sense for your situation to undercut your competitors?
Our approach to reviewing your fees is analytical and in-depth.
Our experts will make sure your services are priced correctly, you’re getting the value you deserve and the profits you’ve earned.
Accounts payable service
Our specialist accountants for GPs use Xero and Wise to create an efficient, streamlined accounts payable service.
Once we have integrated Xero and Wise with your clinic’s system, our team will ensure all information you hold is correct, notify all suppliers about any changes to the process or contact details, merge any duplicates and perform a consolidation (or tidy-up) of your records.
All you need to do is upload your invoices, credit notes and statements to Hubdoc, we will do the rest.
We will review, categorise, publish and file all of your documents. We will reconcile your accounts payable with supplier statements, allowing us to identify any missing information or mistakes.
We will present you with all of the unpaid invoices and, once you have approved them, they will be paid as a batch payment by Xero and Wise.
Healthcare Accounts & Tax Specialists
Our team of specialist accountants and tax experts can help manage, process and structure your business’s finances. From management accounts and payroll & pensions to tax planning and cash flow management, we can take care of the full back-office function of your business.
Book a free, no-obligation consultation with one of the team to find out how we can make your accounts & tax easier, quicker and cheaper.
As a firm of specialist accountants for pharmacies just like yours, we are experts at processing the accounts and tax for all medical health professionals and their employees.
When you go digital and automate your accounts, tax and finances, you save time, money and effort, whilst also keeping your important documents and information safe, secure and updated in real-time.
Mountains of paperwork, sending endless forms back and forth, chasing each other down for invoices or statements, those are things of the past. Now is the time for automating your financial processes in your business. It’s not just timely, it’s essential.
At Samera we use efficient, technologically advanced accounting software for pharmacists.
What we can help with:
Book-keeping
Accounts payable
Accounts receivable
Management accounts and reporting
Payroll and pension requirements
Tax planning
EBITDA monitoring
Overhead analysis
Stock ordering and control
Why choose Samera?
Samera Accountants began over 20 years ago as a small firm of accountants for healthcare businesses in London, UK. Today, wel help pharmacists from all across the globe run their accounts, manage their finances and grow their wealth.
We have been one of the leading names in healthcare accountancy in the UK for a long time. We’ve now built a global team of experts in healthcare accounts to bring our expertise to the world’s pharmacists and their employees.
Over the last few years, the UK brought in new legislation meaning all accounts must now be done via digital software. While other accountancy firms are still scrambling to update their processes, we were years ahead of the game.
We have been advocating for automated accounts and pioneering digital accountancy software for years. It’s great to see everyone else catching up finally!
Our fully-automated system means it doesn’t matter where you are in the world, our accountancy experts will be able to process your accounts easily, securely and quickly.
All you need to do is send us a photo of your receipts and … that’s it! Just send us images of your receipts and we’ll do the rest.
Overhead analysis for pharmacists
By analysing your overheads and determining where savings can be made, you can make a big difference to your cash flow.
Remember, every little helps – by making enough small changes in enough areas of your business, you will make a big difference to your profitability.
Some examples of overheads facing a pharmacy are rent, utilities, insurance and labour costs.
Usually, you won’t have much control over these costs. However, by focusing on the multiple smaller costs that you can control, you can make a huge difference in your pharmacy’s finances and accounts.
Our experts in accounts and financing for pharmacies can take a look at your overheads and analyse the best opportunities for making savings.
EBITDA monitoring and analysis
EBITDA stands for ‘Earnings Before Interest, Taxes, Depreciation, and Amortisation’. It is one of the key metrics we use to determine the financial health and true value of a pharmacy.
Every pharmacy is different. This is why we always ask for 3 years of financial accounts and records at least, sometimes more. We analyse your accounts, cash flow and tax structures whilst also holding in-depth discussions with the business owners and day-to-day managers.
This allows us to determine the true value of your pharmacy.
Management accounts
Our specialist accountants can manage and process your pharmacy’s management accounts.
Our team are experts at handling and organising your pharmacy’s:
Executive summary
Profit and loss reports (monthly and YTD)
Balance sheet
Cash flow statement
Monthly aged creditors
Fully reconciled bank account
The digital process we use to handle your pharmacy’s management accounts is fully automated, making it secure, quick and easy to use.
Our specialist pharmacy accountants will ensure your financial records and data is accessible to you in real-time when and where you need it.
We are Gold Standard partners with Xero
Debt advisory and corporate restructuring
Our expert accounting team can help restructure and refinance your pharmacy’s debt to make them more favourable and ease the strain on your cash flow.
We help the UK’s pharmacies with:
Corporate restructuring
Debt advisory
Crisis cash flow management
Coupled with the Samera Finance team, we can help raise new finance or refinance your current loans. Our finance team is made up of former banks who specialise in the UK’s healthcare lending sector. If there’s a better deal out there or a better structure within the business, we’ll find it.
IR35 for pharmacists
IR35 is intended to tighten the tax process in the UK and may affect the way you or your employees are paid by the pharmacy.
If you are unsure how the IR35 changes will affect pharmacists and their staff, get in contact with us immediately.
We will perform an IR35 review of your clinic and determine how you will be affected and what changes (if any) need to be made to your pharmacy’s payment structure.
The changes take effect from April 2023 so book a consultation now.
Payroll and pensions
At Samera we use BrightPay payroll software which is an efficient, technologically advanced payroll software.
Our process allows for a quick, easy and secure solution for your pharmacy’s payroll and pension needs.
The BrightPay software our trained professionals use allows both you and our payroll experts to access the highly secure data and allows access to employer files for all individuals who need it.
All you need to do is log into your employer portal at any time, in any place. Log in from any smartphone, tablet device, laptop or computer. After this you are able to:
View all your employee’s current and past payslips
Share important documents. The app will monitor who has opened and read these documents.
Approve any personal detail changes of employees.
Approve or deny any annual leave requests (requested easily through the app as well).
You and your employees are able to access a real-time company-wide calendar.
Making tax digital
We at Samera have been pioneering digital accounts and tax processes for years, it’s nice to see the rest of the country catching up.
The current accounts and tax regulations surrounding how you record and process your accounts and tax data is changing.
You will soon have to use government-approved, digital software to manage your finances and keep specific records for 6 years.
We have been using a fully-automated, digital process for years. All of our software is Making Tax Digital compliant and we can ensure your accounts and tax are processed correctly.
Fee review
Are you charging the right amount for your services? Making sure you are setting the right price in your pharmacy is essential to turning a profit.
With the price of services rising across the board, patients having less cash to spend and goods and equipment becoming more expensive, should you be charging more as well?
Does it make more sense for your situation to undercut your competitors?
Our approach to reviewing your fees is analytical and in-depth.
Our experts will make sure your services are priced correctly, you’re getting the value you deserve and the profits you’ve earned.
Accounts payable service
Our specialist accountants for pharmacies use Xero and Wise to create an efficient, streamlined accounts payable service.
Once we have integrated Xero and Wise with your pharmacy’s system, our team will ensure all information you hold is correct, notify all suppliers about any changes to the process or contact details, merge any duplicates and perform a consolidation (or tidy-up) of your records.
All you need to do is upload your invoices, credit notes and statements to Hubdoc, we will do the rest.
We will review, categorise, publish and file all of your documents. We will reconcile your accounts payable with supplier statements, allowing us to identify any missing information or mistakes.
We will present you with all of the unpaid invoices and, once you have approved them, they will be paid as a batch payment by Xero and Wise.
Samera Dental Accountants have been helping the UK’s dentists manage finances, plan their taxes and increase their profits for over 25 years. Whether you are an associate dentist, single practice owner or own a dental group, we look after the numbers so you can look after the patients.
As dental practice owners ourselves, we understand exactly what it takes to make a practice run smoothly. From tax filing to financial director services, we make life easier and more profitable for dentists.
Why Choose Samera as Your Dental Accounts and Tax Experts
Leading Specialist Accountants for Dentists
Samera Dental Accountants are one of the UK’s leading specialists in tax, accountancy, and financial director services for dentists. We specialise in helping private dentists at every stage of their career. Serving hundreds across the nation, our accounts and tax experts can help with all aspects of managing your finances.
Dedicated Support
When you sign up with us, we assign a dedicated dental accountant and payroll manager to work for you. We guarantee a 48-hour response time with extensive support offered via email and phone. We can help with or manage all aspects of your accounts and tax, including support with HMRC correspondence and queries.
Tailored Solutions
We provide tailored packages for dental associates, start-up practices, established practices and dental groups. No matter what stage of your career you’re at, we have a solution designed specifically for you. We can also provide packages to help with starting, buying or selling dental practices if you’re looking to grow your business.
We Are Also Practice Owners
We’re not just dental accountants. We own and operate our own dental practices, we know what dentists are looking for in an accounts and tax specialist. By choosing Samera as your accountants, you will be in the safe hands of a team that not only faces the same challenges you face every day, but knows how to solve them.
Choose Samera Dental Accountants for a partner who understands your industry, offers comprehensive services, and is dedicated to helping your business grow.
Take a look at what our clients are saying about us:
As a busy dental associate, I have been using Samera Accounting services for over 7 years now and have found them to be highly professional, prompt in correspondence and extremely helpful to any enquiries which I have had.
Just brilliant ever since I changed from my previous accountant.. quick to reply, his team was very efficient and professional. He even replied to my emails late in the evening and made sure that things were done on time. The service was outstanding, reassuring and very helpful. I’ve been recommending Samera to my colleagues and my family. I wish other companies could replicate this level of customer service.
Samera have been my accountant for 7 years and have continued to provide me with accurate accounts and timely submissions. Their digital workflow eases the management of receipts and filing. I have found them to be supportive and knowledgeable particularly during the recent crisis.
Excellent accountants!!
I am a dentist setting up my own private dental practice and Samera have been a great help as my accountants, giving lots of advice, especially in regards to all the complicated financial matters and tax.
Arun Mehra and his friendly team have both helped and advised me in all matters of accountancy, raising finance, payroll, furlough support and general business advice. The whole teams collective vast experience and knowledge in all business matters and dentistry is invaluable when you are running any type or size of business.
Arun is very helpful and accountancy goes the extra mile to solve your problems. Overall Samera is a fantastic team, and always had a good experience every time I reached them.
Never made me feel silly for the million questions I had, and was always very accessible. 19/20 was my first year with Samera and I wish I had come to them sooner!
Very recommended for dentists, just great, they reply very quick and we are thankful for the unconditional help they offer.
I have been with Samera accountants for many years now. I find them professional and efficient. Whenever I have any point to be clarified, they are reachable and communicate very well. Looking forward to continue with them. Recommended!
Our Accounts and Tax Packages for Dentists
Packages for Associate Dentists
Associate
Basic
From £650 per year plus VAT
Ideal for associate dentists who require basic tax compliance with minimal day-to-day support.
Includes:
Preparation and submission of your Self-Assessment Tax Return
Review of allowable business expenses
Annual tax reminders, deadline tracking, and payment reminders
Email support for general queries
Dedicated dental tax accountant
Associate
Comprehensive
From £800 per year plus VAT
Designed for dentists who require proactive financial support and tax-saving insights.
Includes everything in Basic, plus:
Tax investigation cover
Tax planning advice, including guidance on allowable reliefs and how to reduce your tax liability
Making Tax Digital is the UK Government’s initiative to “make it easier for individuals and businesses to get their tax right and keep on top of their affairs.”
Simply choose the package that suits you from our options. Whether you’re an associate, practice owner or group, we have a service package tailored to fit your needs.
2
Fill in a Contact Form
Give us some key information to help us get started and understand your needs.
3
Book a Free Consultation
Book your discovery call with the accounts team. During this call, we will explain exactly what the onboarding process is and what working with us will look like on a day-to-day basis.
4
We Get to Work
Once we receive key documents and information on your finances, we get to work handling your accounts and tax, leaving you free to concentrate on your patients.
Frequently Asked Questions
Do dentists need a specialist accountant?
Yes. Dentists have unique income structures, expense categories, and NHS/private considerations that an accountant needs to be familiar with. A specialist dental accountant like Samera helps you stay compliant while maximising allowable deductions and planning for tax efficiency.
Can you help with both NHS and private income?
Absolutely. Although we work mostly with private practices, we can help with NHS, purely private, and mixed practices. We separate and track income correctly for accurate reporting and planning.
Do you support practice start-ups and acquisitions?
Yes. We provide forecasting, structure planning, due diligence and lender pack support for dentists buying or starting a practice. Our in-house finance brokers can also help source the funding you’ll need to start or buy too.
Are there any one-off or setup fees?
Yes. There’s a transition fee equal to one month’s fee. For complex cases, additional setup support may be discussed with you in advance.
When I prepay for a year, does that lock in my price?
Not automatically. If your business grows or changes in complexity, we’ll rebase your fee for the remainder of your plan, applying the same discount to any increase.
What’s your cancellation policy?
All clients commit to an initial 12-month period. After that, three months’ notice is required if you decide to leave.
Which package is right for me?
Each of our packages is designed for dental associates, practice owners and groups at each stage of their growth and career. If you’re not sure which package is right for you, simply book a call with one of our team. We will happily let you know which package is the best fit for your situation.
Case Studies
Case Study 1
Case Study 2
The Problem
We were approached by a client running a midsized private dental practice, struggling to grow and understand the practice performance. This was having a detrimental impact on the business, and morale of the team, and the owner was very unsure what they needed to do improve the business performance.
The practice was busy, but not profitable, losses were growing rather than falling. They used their bank account balance as an indicator of performance, without any clarity of what was the root cause of the.
The Solution
The first thing we recommended to the client was to gain visibility of the performance of the business. They had no financial or accounting systems in place and no idea on what they were spending or what they were generating each month.
We implemented a monthly bookkeeping system along with monthly management accounts. Our team implemented a paperless system using Xero as the bookkeeping package, along with some ancillary Xero apps.
The Result
From these monthly reports, we could begin to see the trends in performance, which associate dentists were profitable and which not. It also became evident that the nurses were ordering what the associates wanted, with no expenditure controls in place, often with some items lying on the shelves for months. In addition, no bulk discounts had been requested from suppliers, as we could see from invoice information they were paying too much for many items.
Finally, the practice was busy, too busy, mainly because they were attracting the wrong types of patients seeking low prices, which had a massive impact on the profitability – it was evident their pricing needed a full review, which we aided with.
Six months after the implementation of the system performance had turned around and the owner’s stress levels had dropped massively, the practice now has a clear focus on what they need to do to ensure healthy growth and are well on their way.
The Problem
We were approached by a client seeking to sell their practice in the next couple of years. The practice was doing well with the principal dentist generating the bulk of the income, but he was well aware that to get the best existing deal, he would need to reduce his hours and have some associate dentists generate a larger amount of the income.
The main reason for him contacting us was for the practice to reduce its reliance on him, whilst generating a similar level of income. The owner had little understanding of his cost base or which of his existing team were profitable for his practice, as he was largely subsidising the underperformance of some dental associates.
The Solution
The first step involved implementing a robust bookkeeping and accounting system to ensure we had the visibility of performance. Monthly bookkeeping and management accounts using Xero was implemented, which provided clarity of performance.
Through seeing the monthly numbers together with the owner we could recommend areas to reduce costs, but also identify unprofitable services and associates within the team.
The Result
Over a period of 18 months, the full time wet-handed owner reduced his clinical time to just I day per week, whilst he worked on the business, optimising performance, training team members and actually growing his profitability.
After 2 years he decided to put the practice on the market for sale. He received multiple offers, at multiples higher than the norm, as he was not generating the lion’s share of the income. In addition, with the business not so reliant on him, his tie-in was only 6 months after the sale.
A great result for a lovely client.
Contact
Contact Information
Fill in the form and our team will get back to you as soon as possible.
Learn how to structure your dental group for tax efficiency, improve EBITDA, use group relief, manage VAT correctly, and plan for long-term succession.
Our Dental CFO Service is an additional service that is commonly purchased with our Annual Accountancy, tax, and bookkeeping services.
Our Dental CFO Services include:
Ongoing FD support, dedicated to your practice. Based on your needs, each month your FD team can:
Review your financial health and processes
Maintain and enhance operating budget and financial forecasts
Support purchase contract reviews and negotiations
Conduct strategic analyses and provide recommendations to improve sustainable profitability
Review the optimum tax structures
Assist with pricing strategies for your services
Aid with valuing your practice and identify core areas to change to improve the business valuation
All of this will be supported with the financial information we are preparing monthly or quarterly for your practice.
How we work
A dental business has unique financial challenges that call for skilled expertise. Yet as a dental professional, nearly all of your training was focused on healthcare provision.
Our FD services can take much of the financial decision-making burden off your plate, giving you more time to see patients and enjoy your life.
Arun Mehra
Our FD service is delivered as a team. This team is lead by Arun Mehra FCA.
Arun Mehra FCA has over 20 years in advising dental practices and will be available at each virtual meeting to discuss the financial and commercial aspects of your practice.
He will be supported by one of the team’s accountants so we have access to the latest data about your practice to enable us to interpret and make quality decisions from the data.
A pre-booked virtual meeting is arranged each month which lasts 60-90 minutes each month to discuss the financial and commercial aspects of your practice.
No area is off limits, and Arun will bring his wealth of experience to help you and your practice.
Samera Dental CFO Services
A dental business has unique financial challenges that call for skilled expertise. Yet as a dental professional, nearly all of your training was focused on healthcare provision.
Our FD services can take much of the financial decision-making burden off your plate, giving you more time to see patients and enjoy your life.
Practice Financial Planning
Your practice is the beating heart of your cash flow. And you want that heart to be healthy.
Samera FD services offers integrated services that optimize all aspects of your business to boost financial success. We take the guesswork out of scaling your wealth and guide you toward smart financial decisions that accelerate your success.
You’ll get proven solutions for everything from taxes and financial analysis to exit plans. These solutions will help you achieve financial independence earlier in life.
Tax Planning & Preparation
A comprehensive financial plan isn’t complete without tax planning. You need to consider your current taxes, your taxes on investments as they grow, and your future taxes that will affect the withdrawal of assets in retirement.
Samera FD services is experienced in applying legitimate but assertive tax deductions that allow you to retain more of your earnings.
Because we are involved proactively throughout the year, we make sure that all tax strategies – business and personal – are properly implemented.
Accounting
As your practice grows, its accounting needs become more complex. It’s important for you to know the true profitability of your business. You want to be sure you’re on track to meet your financial objectives.
Samera FD services will give you detailed accounting reports each month that summarize the financial health of your practice. These reports will also allow you to compare your overhead to industry norms as well as track your progress toward specific financial goals.
Our accounting team not only reduces your administrative burden, but provides visibility to your business performance.
Funding
In order to develop your practice, you will quite likely need to seek funding at cost-effective levels. Through cash flow forecasting and understanding your growth plans, we can source you both debt and/or equity financing to assist with your future plans.
Why choose Samera?
When you have a healthcare practice, the demands on your attention are many. Administrative tasks can consume much of your time.
Samera FD helps you prioritize personal and business financial planning. We take those burdens off your plate, so that you’re able to focus on what you do best – care for your patients.
Achieve financial freedom earlier
Our clients become financially independent 10 years earlier than the average dentist. Samera FD services can create a roadmap for you to achieve your financial goals. We show you how to accomplish your dreams, care for your family and lead your best life.
Pay lower taxes
Our in-depth knowledge of the dental industry combined with accounting expertise enables us to advise you on tax reduction strategies. We’ll make sure you retain as much of your income as is legally allowed.
Boost and retain profits
We help you understand the financial drivers of profitability and show you proven strategies to minimize overhead while increasing revenue. These are techniques you can implement in your practice today to accelerate practice growth and see fast results.
Get out of debt
Most dentists come into their practice strapped with significant debt. Whether you have student loans, practice loans, or business loans, we can help you determine the fastest method to eliminate your debt and feel that massive weight lifted from your shoulders.
Enjoy work/life balance
In today’s fast-paced world, creating a work-life balance is a continuous process, especially when you’re operating a thriving healthcare practice. We help you manage your time and reduce stress to give you a happier, sustainable lifestyle.
Frequently asked questions
Below are some of the questions we get regarding our Finance Director services. If you don’t see your question answered here, please contact us. We’d be happy to speak with you about your individual situation.
What does it mean to have a finance director team?
You’ll have a team led by an experienced accountant in your industry. That advisor has a supporting direct team and a supporting indirect team.
• Your FD’s Direct Team: Supporting advisor and administrative assistant. • Your FD’s Indirect Team: Dedicated members of our book-keeping, accounting, and tax teams. They’ll be working together with you to optimize every aspect of your business finances and tax
I already have an accountant. Why should I switch to your service?
We’re not just your accountant. We’re your FD, both for the practice, and for you individually; a strategic financial coach if you will. This is fundamentally a different model. The FD model is strategic, comprehensive, integrative, and most importantly forward-looking.
The accountant model is disjointed and backwards-looking. With the FD service, you’ll get an overlay of regular, proactive advice; i.e. what to do to improve.
Specifically, you’ll get the following services:
• Business financial planning • Strategic cash-flow forecasting • Assertive tax planning • Accounting and Tax advice
Is the CFO service separate to your accountancy, bookkeeping and tax services?
Yes, the FD service is an optional extra for clients willing to invest in the long-term growth of their practice. We will need to be carrying out all your accounting and tax compliance work, including monthly bookkeeping, for us to provide an FD service to you.
Can you help me save money on my taxes?
Our in-depth knowledge of the healthcare industry combined with accounting expertise enables us to advise you on tax reduction strategies. We’ll make sure you retain as much of your income as is legally allowed.
What types of financial advice do you provide?
Our expertise extends well beyond accounting and taxes. With our decades of experience, working exclusively with healthcare businesses, we’re able to consult with you on key financial decisions, suggest strategies for profit improvement, and facilitate exit planning when the time is right.
Do Samera’s Dental CFO Services offer payroll and pension services?
Yes, we offer the full remit of payroll and pension services.
Launching a successful startup dental practice is one of the most exciting, yet challenging, ventures for a dentist.
At Samera, we don’t just provide the services you need – we bring our proven expertise.
We’ve been through the startup journey ourselves, having built a successful dental group.
Our mission is to use our hands-on experience to help you avoid the common mistakes, secure the best possible foundation, and confidently build your dream practice.
You bring the clinical skill; we’ll handle the business setup.
Why Choose Samera?
25+ Years Experience
We’ve been helping the UK’s dentists start their own successful dental practices for over 25 years.
750+ Practices Helped
Through our start up programmes and Bootcamp events, we have helped start over 750 practices.
Hands-on Experience
We have built our own successful dental group from scratch, we know what works and what mistakes to avoid.
Starting a practice is complex, but you don’t have to navigate it alone. Our team provides more than just administrative support; we offer a strategic partnership built on decades of real-world success.
We are uniquely positioned to guide you because we approach your practice startup with the mindset of an owner, not just an advisor.
From securing optimal financing to ensuring CQC compliance and setting up efficient accounting systems, we deliver proven strategies.
Vetted Referrals to Trusted Partners of the Samera Alliance for CQC registration, legal support, HR services, insurance, and specialist dental software.
You get: Streamlined, compliant setup with trusted experts, saving you time and ensuring you meet all regulatory requirements.
Having had an initial conversation with an associate looking to set up a squat practice, they explained they had found a property to convert and wanted help with the finance.
Part of the finance application is to provide the lender with lease and deposit details and when we obtained these, we contacted the client again.
They had no rent-free period and a large rent deposit to provide with no end date for the return of that deposit.
The Solution
We discussed and explained the benefits of negotiating a rent-free period with the landlord. This would not only allow them time to convert the premises, but also to provide them with a period of no rent to help keep the initial costs down when income was growing.
We also discussed the size of the rent deposit and also them agreeing with the landlord a return date and how the money was to be held to protect their funds.
The Result
After our discussions and help with negotiating, we were able to help them argue for far better terms in their agreements.
Once they discussed all these aspects with the landlord, they agreed to reduce the rent deposit and return it within two years with the deposit being held on an escrow account.
More importantly they agreed a six-month rent-free period which eased the cashflow situation of the squat practice when it started trading.
How it Should Have Been Done
The Problem
One of our clients recently took over a closed practice and approached a bank directly to obtain finance so they could purchase the building and set up a new practice. Due to the lack of income being generated by the closed practice, it was classed as a squat practice.
However, the bank they approached did not provide any finance for the set up of the practice in terms of build and equipment.
Reasons remain unknown. So, to finance the build and purchase the equipment, our client borrowed heavily on short-term finance. They are now lumbered with huge monthly repayments on their short-term debt.
The Solution
We could have negotiated a far better deal.
Here’s how it should have been arranged:
Usually with a squat you can obtain 15 year finance for the build and the equipment needed for the practice. This is usually restricted to 70% of the costs, with a maximum figure of £250K for the build and equipment.
The difference is the loan term. With the 15-20 year term and a broker-negotiated one year interest-only deal, monthly payments are spread out, cashflow is protected and the practice can flourish.
Raising Additional Finance When Lenders Say ‘No’
The Problem
The existing principal of a dental practice based in London who had moved their rented dental practice to a new freehold site close to the existing practice contacted us recently.
They explained that they had raised the funding for their move from their existing lender, but the project had overrun, and their existing bank wasn’t able to arrange any extra funding to complete the project.
The Solution
After our initial discussion, we outlined what information we would need to approach the lenders so that we could provide a comprehensive report to raise the finance.
Using our experience with the application and negotiation process with banks we put together a proper finance application.
The Result
The outcome was having received the information, we were able to obtain the additional finance that was needed to complete the project on competitive terms.
The client now has a new fully equipped dental practice based in a freehold property that is performing well.
Reviews
Setting up a squat dental clinic can be a very daunting task. With so many different facets to the project, financing the project can be potentially stressful especially in the current climate. However, … Samera made this so easy for us. Always on hand to answer our queries, talk us through the process step by step and presented us with all the different options. It has been a pleasure to work with … the rest of the Samera team and I have no hesitation in recommending them to all my colleagues.
5 Stars
“I cannot recommend … highly enough. My partner and I have been corresponding … when setting up our squat dental practice to organise the best finance loans and equipment deals. He has a wealth of knowledge, trustworthy, straight talking and always responds quickly to questions.”
5 Stars
“After attending the Samera Bootcamp last November, I set about starting up my own practice. … very helpful in setting up finance and giving good all round advice about the process, actually well beyond the scope of a financial advisor- wouldn’t hesitate to recommend!”
We’ve been helping the UK’s dentists start their own practices for over 25 years and we know exactly what it takes to make your practice a success!
We can help you through your whole journey to becoming a squat dental practice owner. Contact us today for all the advice, support and expertise you’ll ever need to start a dental practice.
Contact Information
Fill in the form and our team will get back to you as soon as possible.
Our team of Dental Practice Sales Experts are perfectly positioned to help you get the best price when you sell a practice. Get in touch with us today to make sure you get the right price for your practice!
EBITDA:
?
Earnings before interest, tax, depreciation and amortization (EBITDA) is a measure of a company’s operating performance. Essentially, it’s a way to evaluate a company’s performance without having to factor in financing decisions, accounting decisions or tax environments.
Number of Surgeries:
Practice Type:
We estimate your practice is valued between
For a more detailed valuation please call us on: 020 7100 8788
or
At Samera, we offer free dental practice valuations if you are thinking about selling now, or in the future.
For some clients, our help begins many years before they actually plan to sell their practice. This involves helping them plan the future they desire, building a profitable and valuable dental practice and then finding the most suitable buyer for their practice.
As a firm of experienced Dental Accountants and Business Advisors, our team are perfectly placed to help you with this important stage in your career.
We will always prepare a realistic valuation of your practice, based on market values, a sales pack and then go about matching a prospective buyer from our extensive buyer’s database to your practice.
This ensures that a high degree of confidentiality is maintained throughout the whole process. We believe that by carefully matching suitable buyers with the right sellers, the sales value obtained will always be much higher than a one-size-fits-all approach to marketing practices to buyers.
Divorce is a sad reality in today’s times. Divorce in dentistry is just as common as in any other industry. In fact, it can sometimes be a common issue due to the number of married dentists who start, buy or run a practice together.
When you’re going through a divorce, one of the most important steps is the valuation of the assets between the couple.
If one of the parties is a dentist, these assets quite often include a dental practice, or a share in a dental business.
Valuations that benefit both parties
When dealing with cases of divorce, it is essential that the dental practice, as with all shared assets, is valued with the benefit of both parties in mind.
Our team will provide a transparent, balanced and accurate valuation. This is important to ensure that some kind of meaningful settlement can happen.
If you're in the unfortunate situation where you need to have your dental practice valued in preparation for a divorce, we are perfectly placed to provide an accurate, detailed and complete dental practice valuation.
As an experienced team of dental practice owners ourselves, we know exactly how to value dental practices, and can even provide advice and support to grow the value of the practice before the sale.
25+ Years Experience We’ve been helping the UK’s dentists buy their own dental practices for over 25 years.
Act Exclusively for Buyers We work on your behalf to ensure you get the best price for your chosen dental practice.
Zero Conflict of Interest We are not the sales agent. Our finance advice and due diligence are 100% independent and focused on protecting your investment.
Buying a dental practice is a major milestone – but it’s also a complex process filled with financial, legal, and operational decisions.
At Samera we act exclusively for buyers, not sellers. As one of the UK’s only dedicated buyer’s agents, there is zero conflict of interest. We will only work for you to ensure you get the right price.
We challenge valuations, secure the best acquisition finance options and coordinate due diligence. No conflicts. No hidden commissions. No bias.
Setting up in Practice Bootcamp
Before you even start the buying journey, we help you get prepared at our Setting Up in Practice Bootcamp.
This live event is designed for dentists thinking about owning their own practice. You’ll learn from industry experts about:
How to find and assess the right practice.
What lenders look for and how to prepare your finances.
Understanding valuations and due diligence.
The real-world challenges (and opportunities) of practice ownership.
It’s the perfect first step to gain clarity, confidence, and connections before you start searching for a practice to buy.
Before you buy your chosen practice, you need to know what the practice is truly worth – not just what it’s listed for.
Our team begins by conducting a comprehensive dental practice valuation, analysing financial performance, goodwill, contracts, and future earning potential.
If the valuation doesn’t make sense, we’ll challenge it with evidence and market data, then negotiate on your behalf to ensure you pay a fair price.
With our experience across hundreds of transactions, we help you avoid costly overpayments and secure a deal that truly reflects value.
Before you make an offer, check what a practice is actually worth using our free valuation calculator. No sign-up required. Based on real UK market multiples.
Once you’ve identified the right practice, the next step is funding it correctly.
We help you secure finance on the best terms from leading UK lenders – completely independently.
Unlike selling agents who often act for both sides, we have zero conflict of interest. We work only with buyers, meaning every recommendation is made in your best interest.
Our finance specialists compare multiple lenders, negotiate competitive rates, and manage your application from start to finish.
We know the dental lending market inside out – and we’ll ensure your finance structure supports your long-term goals.
From CQC registration to NHS contract transfers and staff TUPE compliance, every purchase involves complex legal steps.
We coordinate with experienced dental solicitors and specialist advisors to ensure a smooth transaction with no surprises.
Our team manages timelines, keeps all parties aligned, and protects your interests throughout the process – so you can focus on dentistry, not paperwork.
Transition, Accounting & Growth Support
Buying the practice is only the beginning.
Once the deal completes, our dental accountants and tax advisors continue supporting you with systems, profitability reviews, and long-term growth planning.
We’ll help you integrate the new business, optimise your finances, and plan strategically for future expansion.
With our ongoing support, you’ll not just buy a dental practice – you’ll build a thriving, scalable dental business.
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 … Basically if you want a result …… call Samera!
5 Stars
I have found my dealings with Samera, who offer a range of services, to be of the highest standard. A special thanks … been very supportive and insightful with our goal to finance the purchase of a surgery … always been on hand to offer sound advice whilst reviewing financials expertly. Thank you.
5 Stars
We have a great relationship with advisors at Samera. We are in middle of a purchase. Samera advisors are doing an amazing and thorough job, from assessing practices, obtaining loan to providing accounting services … very patient, understanding and considerate. Overall, very happy with the service and would highly recommend.
5 Stars
From the bootcamp I signed up to use … finance services … went above and beyond my expectations; helping me finance the purchase, coming with me to inspect the practice, helping me with readings accounts etc and always picking up the phone when I had questions for him. I would happily recommend Samera to any prospective buyer, and have already done so.
5 Stars
Great service, really paid attention to our needs and offered us the appropriate advice. In particular we were impressed with the time, dedication and focus given to help us finance our acquisition of a dental practice with good rates. We also managed to stay in communication during unsociable hours which really made the process convenient for us. Very helpful.
5 Stars
Case Studies
Case Study 1
Case Study 2
Case Study 3
£86,000 Saved Over the Life of a Loan
The Problem
One of our recent dental practice sales clients managed to get a whopping 1.1% off their loan interest rate when they bought their first practice!
Our client approached their own bank before coming to us. Their proposition was to purchase their first practice in London with their wife.
Their bank was very receptive to the deal and offered to finance 80% of the purchase price over 15 years at a rate of 3.2% above the base rate.
That might sound like a good deal – but it doesn’t sound good to us.
The Solution
Our client then approached us to see what if we thought that the deal was a “good one” to us. It didn’t. 3.2% above base rate is far higher than we usually negotiate for our clients.
After our own information gathering exercise, we approached several lenders in the UK healthcare finance market – including the clients own bank, who had originally offered the 3.2%.
We achieved offers from multiple lenders we had approached far below the 3.2% original offer.
The Result
Through our own information gathering, structuring of the deal and negotiating the price, we managed to achieve a rate of 2.1% above the base rate – a whole 11% lower than the original offer.
And this was from the client’s own bank who had originally offered 3.2%!
So, how much did this save our client? That 1.1% saved our client £5,736 per year and £86,000 over the life of the loan. Well worth the fee payable to the broker for our experience and work completed on this deal.
Succeeding Where Other Brokers Fail
The Problem
We were recently approached by an associate dentist in the North West of England who was having trouble purchasing their first dental practice.
They told us that they had been trying to buy this practice for some months and had engaged the services of a finance broker who claimed they were healthcare specialists.
However, the brokers were unable to source any finance for the client and the brokers had now come back and said to them that he would not be able to proceed with the plans.
The Solution
Luckily, they found us online and understood that we are independent financial brokers with no ties to any specific lender or sales agents who specialise in the dental sector.
After our initial discussion, we outlined what information and documentation we would need to approach a wide range of lenders. We could not understand why the original brokers had struggled to source any finance for the client.
The client explained that we had asked for much more detailed information than their previous brokers and had a far more in depth and comprehensive process for putting a finance application together.
The Result
Once we had received the documents and put the application together we were able to obtain 3 separate offers from 3 different commercial finance lenders.
The client was then able to determine which offer best suited their situation and goals before proceeding.
They are now the proud owner of their own dental practice and in our follow up discussions, everything is going fantastically with their new practice!
£8,000 Saved on the Early Payment Fee
The Problem
One of our clients approached us with a plan to purchase a new premises recently. However, they already had a substantial loan with a lender and that loan came with an early repayment charge of 1%.
To purchase the new premises, they were looking to refinance their current deal and incur the early repayment penalty.
Luckily for them, they came to us first.
The Solution
That particular lender had recently been acquired by another firm and had taken the decision to stop providing new loans in this finance sector.
We approached the lender with the client and used our knowledge and experience to renegotiate the payment penalty.
The Result
We managed to get the early payment charge down from 1% to just 0.25% – saving our client £8,000 on the fee!
Using a commercial finance broker’s experience and knowledge pays off.
When buying a dental practice (especially if it’s for the first time), you need the competent hands of qualified professionals. Not only have we been helping the UK’s dentists to buy dental practices for over 20 years, we are dental practice owners ourselves! We know what it takes to buy the right dental practice, we can help you find it, buy it and get it up and running.
Book a free, no-obligation consultation with one of our team at a time that suits you (including evenings). We’ll call you back and have a chat about how we can help buy your dream practice.
Contact Information
Fill in the form and our team will get back to you as soon as possible.
As a firm of specialist accountants for healthcare businesses, we are experts at managing and processing accounts, tax and finances in general for medical health professionals and their employees.
Our team of healthcare accounts and tax specialists are experienced, knowledgeable and excellent at solving all manner of financial and tax issues, allowing you to focus on your patients and leaving the messy work to us.
We use a fully-automated, digital process to save you time, money and effort, whilst also keeping your important documents and information safe, secure and updated in real-time.
Choose your profession from the list below to find out more about how we can help your healthcare business with accounts, tax and finance.
As a firm of specialist accountants for veterinary practices just like yours, we are experts at processing the accounts and tax for all medical health professionals and their employees.
When you go digital and automate your accounts, tax and finances, you save time, money and effort, whilst also keeping your important documents and information safe, secure and updated in real-time.
Mountains of paperwork, sending endless forms back and forth, chasing each other down for invoices or statements, those are things of the past. Now is the time for automating your financial processes in your business. It’s not just timely, it’s essential.
At Samera we use efficient, technologically advanced accounting software for vets.
Samera Accountants began over 20 years ago as a small firm of accountants for healthcare businesses in London, UK. Today, we help veterinarians from all across the globe run their accounts, manage their finances and grow their wealth.
We have been one of the leading names in healthcare accountancy in the UK for a long time. We’ve now built a global team of experts in healthcare accounts to bring our expertise to the world’s vets and their employees.
Over the last few years, the UK brought in new legislation meaning all accounts must now be done via digital software. While other accountancy firms are still scrambling to update their processes, we were years ahead of the game.
We have been advocating for automated accounts and pioneering digital accountancy software for years. It’s great to see everyone else catching up finally!
Our fully-automated system means it doesn’t matter where you are in the world, our accountancy experts will be able to process your accounts easily, securely and quickly.
All you need to do is send us a photo of your receipts and … that’s it! Just send us images of your receipts and we’ll do the rest.
As a firm of specialist accountants for day cares and nurseries just like yours, we are experts at processing the accounts and tax for all day cares and their employees.
When you go digital and automate your accounts, tax and finances, you save time, money and effort, whilst also keeping your important documents and information safe, secure and updated in real-time.
Mountains of paperwork, sending endless forms back and forth, chasing each other down for invoices or statements, those are things of the past. Now is the time for automating your financial processes in your business. It’s not just timely, it’s essential.
At Samera we use efficient, technologically advanced accounting software for day cares and nurseries.
Samera Accountants began over 20 years ago as a small firm of accountants for healthcare businesses in London, UK. Today, we help daycares and nurseries from all across the globe run their accounts, manage their finances and grow their wealth.
We have been one of the leading names in healthcare and childcare accountancy in the UK for a long time. We’ve now built a global team of experts in childcare accounts to bring our expertise to the world’s nurseries and their employees.
Over the last few years, the UK brought in new legislation meaning all accounts must now be done via digital software. While other accountancy firms are still scrambling to update their processes, we were years ahead of the game.
We have been advocating for automated accounts and pioneering digital accountancy software for years. It’s great to see everyone else catching up finally!
Our fully-automated system means it doesn’t matter where you are in the world, our accountancy experts will be able to process your accounts easily, securely and quickly.
All you need to do is send us a photo of your receipts and … that’s it! Just send us images of your receipts and we’ll do the rest.
As a firm of specialist accountants for facial aesthetician clinics just like yours, we are experts at processing the accounts and tax for all facial aesthetic offices and their employees.
When you go digital and automate your accounts, tax and finances, you save time, money and effort, whilst also keeping your important documents and information safe, secure and updated in real-time.
Mountains of paperwork, sending endless forms back and forth, chasing each other down for invoices or statements, those are things of the past. Now is the time for automating your financial processes in your business. It’s not just timely, it’s essential.
At Samera we use efficient, technologically advanced accounting software for facial aestheticians.
How we help facial aestheticians with accounts and tax
We provide a full range of accounts and tax services to the world’s facial aestheticians.
Book-keeping
Accounts payable
Accounts receivable
Management accounts and reporting
Payroll and pension requirements
Tax planning
EBITDA monitoring
Overhead analysis
Stock ordering and control
Why Choose Samera?
Samera Accountants began over 20 years ago as a small firm of accountants for healthcare businesses in London, UK. Today, we help facial aestheticians from all across the globe run their accounts, manage their finances and grow their wealth.
We have been one of the leading names in healthcare accountancy in the UK for a long time. We’ve now built a global team of experts in healthcare accounts to bring our expertise to the world’s facial aestheticians.
Over the last few years, the UK brought in new legislation meaning all accounts must now be done via digital software. While other accountancy firms are still scrambling to update their processes, we were years ahead of the game.
We have been advocating for automated accounts and pioneering digital accountancy software for years. It’s great to see everyone else catching up finally!
Our fully-automated system means it doesn’t matter where you are in the world, our accountancy experts will be able to process your accounts easily, securely and quickly.
All you need to do is send us a photo of your receipts and … that’s it! Just send us images of your receipts and we’ll do the rest.
As a firm of specialist accountants for pharmacies just like yours, we are experts at processing the accounts and tax for all medical health professionals and their employees.
When you go digital and automate your accounts, tax and finances, you save time, money and effort, whilst also keeping your important documents and information safe, secure and updated in real-time.
Mountains of paperwork, sending endless forms back and forth, chasing each other down for invoices or statements, those are things of the past. Now is the time for automating your financial processes in your pharmacy. It’s not just timely, it’s essential.
At Samera we use efficient, technologically advanced accounting software for pharmacists.
Samera Accountants began over 20 years ago as a small firm of accountants for healthcare businesses in London, UK. Today, we help pharmacists from all across the UK run their accounts, manage their finances and grow their wealth.
We have been one of the leading names in healthcare accountancy in the UK for a long time. We’ve now built a global team of experts in healthcare accounts to bring our expertise to the world’s pharmacists and their employees.
Over the last few years, the UK brought in new legislation meaning all accounts must now be done via digital software. While other accountancy firms are still scrambling to update their processes, we were years ahead of the game.
We have been advocating for automated accounts and pioneering digital accountancy software for years. It’s great to see everyone else catching up finally!
Our fully-automated system means it doesn’t matter where you are in the world, our accountancy experts will be able to process your accounts easily, securely and quickly.
All you need to do is send us a photo of your receipts and … that’s it! Just send us images of your receipts and we’ll do the rest.
As a firm of specialist accountants for GP practices just like yours, we are experts at processing the accounts and tax for all medical health professionals and their employees.
When you go digital and automate your accounts, tax and finances, you save time, money and effort, whilst also keeping your important documents and information safe, secure and updated in real-time.
Mountains of paperwork, sending endless forms back and forth, chasing each other down for invoices or statements, those are things of the past. Now is the time for automating your financial processes in your business. It’s not just timely, it’s essential.
At Samera we use efficient, technologically advanced accounting software for doctors and GPs.
Samera Accountants began over 20 years ago as a small firm of accountants for healthcare businesses in London, UK. Today, we help doctors and GPs from all across the globe run their accounts, manage their finances and grow their wealth.
We have been one of the leading names in healthcare accountancy in the UK for a long time. We’ve now built a global team of experts in healthcare accounts to bring our expertise to the world’s doctors and their employees.
Over the last few years, the UK brought in new legislation meaning all accounts must now be done via digital software. While other accountancy firms are still scrambling to update their processes, we were years ahead of the game.
We have been advocating for automated accounts and pioneering digital accountancy software for years. It’s great to see everyone else catching up finally!
Our fully-automated system means it doesn’t matter where you are in the world, our accountancy experts will be able to process your accounts easily, securely and quickly.
All you need to do is send us a photo of your receipts and … that’s it! Just send us images of your receipts and we’ll do the rest.
These are uncertain times, and they are likely to be with us for a while.
If you are concerned about your financial situation, rather than put your head in the sand, hoping it will all go away quickly, I would urge you to seek help.
Some difficult conversations may be needed, but it’s imperative they happen earlier than letting them linger.
We can help you in a number of areas:
Corporate restructuring
Our experts advise owners and board members and other stakeholders on stabilising crisis situations, turnaround strategies and planned restructuring. We ensure that all available options for businesses are considered. We pragmatically manage all stakeholders to achieve optimum results.
Debt Advisory
Our debt financing advisory team has vast experience in raising new or re-financing existing debt. We can assist in building a strong proposition for lenders or lenders’ clients looking to reposition the debt or relationship including financial modelling and capital structure optimisation whilst our market knowledge can help with debt instrument selection and pricing.
Crisis cash flow management
Our team has the experience to rapidly identify the causes of cash flow issues and support lenders’ clients with the processes and expertise needed to resolve the position. We assist in implementing improvements to how cash flow is managed and reported in the business and liaise with third parties on your client’s behalf.
Our experts advise board members and other stakeholders on stabilising crisis situations, turnaround strategies and planned restructuring. We ensure that all available options for businesses are considered. We pragmatically manage all stakeholders to achieve optimum results.
Don’t let the current environment dictate your outcome, our team of professionals can help you.
Please book a consult with one of the team to assist you with your needs.
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
Need help with the UK Government’s new Making Tax Digital scheme?
Over the next few years, the UK Government is introducing the Making Tax Digital scheme. This initiative is intended to push businesses and sole traders to process their accounts online, digitally.
According to the UK Government, Making Tax Digital will ‘make the tax system more resilient and effective, to boost business productivity, and support taxpayers.’
Making Tax Digital will not change anyone’s tax liabilities or payments, only the way in which they are processed and stored.
Making Tax Digital for Income Tax Self-Assessment is being extended to every ‘business and/or property income over £10,000, including landlords, sole traders and partnerships, for their Income Tax obligations.’
These are the important dates for Making Tax Digital:
April 2022
Making Tax Digital for VAT
April 2024
Making Tax Digital for Income Tax
April 2024
Making Tax Digital for Income Tax Self-Assessment
2026
Making Tax Digital for Corporation Tax
From the UK Government website, landlords will be required to:
Keep tax records digitally
After 6th April 2024, landlords will be required to keep digital records in ‘relation to their trading and property income chargeable to Income Tax and Class 4 NICs if their gross income from these income sources for a tax year exceeds £10,000.’
Digital quarterly updates
Provide digital quarterly updates and ITSA returns information to HMRC with digital software compatible with the MTD process. The dates for these quarterly updates are:
5th August 5th November 5th February 5th May
End of period statement and final declaration
Landlords affected by Making Tax Digital regulations will be required to finalise their income at the end of each tax year. As well as an EOPS your final declaration will replace your Self Assessment tax return.
Making Tax Digital with Samera
If you are a landlord and need help with Making Tax Digital from experts in accounts and tax, then contact us today. You can book a free consultation with us at a time that suits you, or simply fill in our online contact form.
As a landlord, it’s not uncommon to have to raise property finance from time to time for various reasons. When the need occurs, it’s always a good idea to approach a finance broker who specialises in property finance and loans.
Samera Finance was a finalist in both the 2021 and 2022NACFB Commercial Mortgage Brokers Awards.
Our team is made up of former bankers, all of whom have decades of experience in the UK’s property finance sector.
No matter your financial needs, Samera Finance are ideally placed to help the UK’s landlords fund their portfolio.
What can we help with?
If you need to raise finance for your property business, then we can help.
We can help you raise finance for:
Buy-to-let mortgages
Commercial mortgages
Property development
Bridging loans
Auction finance
Working capital loans
Samera Finance can help make sure your loan application is successful. We are independent of any banks and our network of contacts in the UK’s finance sector means our team can source a wide range of different financial solutions.
We then present you with the best finance deal we can find on the market.
Samera Finance can help with putting your application together, finding the right solution for your situation and negotiating the best deal.
Property Finance for Landlords
If you want to find out more about property finance for landlords, book a call with one of the Samera Finance team today.
Do you run a dental group? Are you seeking to run a much more efficient, cost-effective accounting function?
We can help
Owning, operating and managing a dental group can be a complex business. Getting the financial organisation and tax structure correct is essential to success.
Our dental accounts and tax specialists can ensure that your group is structured properly and ready for growth.
Consolidated Financial Reporting: Get a clear, consolidated view of your financials across all practices. Our reporting tools are designed to provide insights into the performance of each practice and the group as a whole.
Centralised Cash Flow Management: Effective cash flow management is crucial for the smooth operation of multiple practices. We offer centralised solutions to manage cash flow, ensuring optimal liquidity across your dental group.
Group Tax Strategy and Compliance: Benefit from a cohesive tax strategy that takes into account the unique aspects of each practice within your group. We ensure compliance and efficiency in tax matters at both the individual practice and group levels.
Mergers and Acquisitions Support: As your dental group grows, we provide expert financial guidance on mergers and acquisitions, helping you make strategic decisions that align with your long-term goals.
Investment and Expansion Planning: Plan your next phase of growth with our expert advice on investment strategies and expansion planning, tailored to the dynamics of your dental group.
Why Choose Samera
I have been with Samera accountants for many years now. I find them professional and efficient. Whenever I have any point to be clarified, they are reachable and communicate very well. Looking forward to continue with them. Recommended!
Five stars
Samera Dental Accountants have been working exclusively with dental associates, dental practices and dental groups in the UK for almost 20 years. We work with dental groups of all shapes and sizes to improve their accounting, tax and payroll requirements.
We don’t just work with dental groups, we built and run our own dental group. We specialise and know what is involved in managing a dental group’s accounts because we do it ourselves too.
Finding suitably qualified accountants with the required dental knowledge and skillset can be difficult and challenging, but our global team specialises in helping dentists, dental practices and dental groups with all their accounting requirements.
Our pricing is competitive and we are confident we can deliver to an exacting high standard, whilst helping you save money, and increase your all-important EBITDA.
What can we do?
We work with dental groups of all shapes and sizes.
Check out our accounts services for dental groups:
Choose Your Package
We offer 3 packages for our accounts and tax services. Each is designed to help you at every stage of owning a dental practice. From start-ups to dental groups, have a look at our packages below to decide which is right for you.
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
The tax pendulum continues to move for associate dentists. HMRC have announced that from April 2023 they will withdraw the paragraph in their guidance which mentions the BDA and DPA standard associate agreement.
What do the changes in IR35 mean for associate dentists and practice owners?
Up until recently, associate dentists were given a blanket concession by HMRC that allows them to be treated as self-employed for tax purposes.
This has allowed associates to process their income for tax purposes as trading income, as opposed to employment income.
Starting from April 2023, however, dental practices will be required to use the CEST (Check Employment Status for Tax) test to determine the tax status of all of their dental associates under contract.
If a dental practice is found to be treating an associate as self-employment, when in fact they act as an employee, they will be liable to additional tax.
What this means for dentists is that you will now need to determine your employment status (self-employed or employee of the practice) and act accordingly in your day-to-day business.
If you process your tax as a sole trader or limited company, when in fact you are an employee of the practice, you will be subject to added tax.
This will impact both the associate dentist and also the dental practice employing the dentist.
As a busy dental associate, I have been using Samera Accounting services for over 7 years now and have found them to be highly professional, prompt in correspondence and … extremely helpful to any enquiries which I have had.
Five stars
What is IR35?
IR35 is intended to combat employment tax avoiders who process their tax as though they were sole traders or limited companies, and not in fact employees.
IR35 is used to establish your employment status; whether you are self-employed, an employee of a limited company or both. It is usually the responsibility of the dental practice for which you work to determine your employment status and process both your tax and their accounts accordingly.
Previously, NHS dental practices had to pay additional tax if one of their staff was hired via a limited company but in fact operates as an employee. Since 2021, this has also applied to larger private practices.
As detailed above, from April 2023, HMRC have announced that they will be removing dental associates’ exemption from IR35 rules.
This means that dental practices will need to calculate their clinical staff’s employment status via the UK Government’s employment status test.
How you operate in the dental practice which employs you will factor into whether you are a sole-trader or an employee.
Self employed dental associates act as either sole-traders or a limited company and process their own accounts and tax. They usually rent the surgery, equipment and consumables from the dental practice in which they work.
These are some of the things that distinguish employed and self-employed dental associates:
Self-employed dental associates have clinical independence to choose their own treatments, plans and procedures.
Self-employed dental associates have a say in their chosen work hours.
Self-employed dental associates must be able to provide a locum substitute in their place should they be unable to work
Self-employed dental associates can set their own prices and provide additional private work.
Self-employed dental associates are not paid holiday pay.
Self-employed dental associates have professional indemnity insurance cover.
Self-employed dental associates pay for equipment maintenance out of their own pocket.
Determining your IR35 employment status
If you are a dental practice owner or a dental associate unsure of how the IR35 rule changes affect you, we can perform an IR35 review of your practice and contracts to determine the status of yourself or your employees.
We can review your contracts thoroughly, figure out the correct employment status and help process the accounts and tax to reduce your bill.
Our specialist dental accountants and tax experts are perfectly placed to help make sure your status is correct and you’re paying the correct tax.
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
I am a dentist setting up my own private dental practice and Samera have been a great help as my accountants, giving lots of advice, especially in regards to all the complicated financial matters and tax.
Five stars
When you start a dental practice, it’s essential to organise your accounts and tax properly.
Our specialist dental accountants are experts at helping dentists and start-up dental practices set up their accounts, manage their finances and organise their taxes.
Our team can help with:
Accounting and Tax Services
Accounts Setup
Bookkeeping
Financial Recordkeeping
General Ledger Maintenance
Accounts Receivable and Payable Management
Balance Sheet Reconciliation
Tax Return Preparation
Tax Planning
Tax Compliance
Tax Audits
Financial Statements
Financial Analysis
Payroll Processing
Employee Tax Reporting
Payroll Tax Compliance
Corporation Tax
HMRC Investigation Cover
P11D
We can automate your new dental practice’s accounts, tax and finance in a digital, secure and easy process:
Scan your invoice and income information to your Hubdoc account with your phone or tablet.
Your information is then processed in Xero monthly.
Securely connect your bank accounts to Xero.
That’s all you have to do, we’ll do the rest!
Please note that all of our processes are paperless, we don’t accept any paper from clients any more.
Dental Accounts & Tax Specialists
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
As you start your pharmacy and as a pharmacy clinic grows, you are most likely going to need to borrow the money to purchase new equipment and consumables, to extend a current pharmaceutical practice, or to buy more pharmacy clinics and build a group. No matter what you need it for, we can make sure you get the right finance for your pharmacy business.
When you are seeking a loan to buy, start or grow a pharmacy, banks and lenders will look at your personal finance history to help them ascertain whether you will be a secure and reliable client that can repay the loan.
If you do not currently own a pharmacy, your personal circumstances are one of the information sources that lenders will have to assess your ability to manage a pharmacy clinic when you acquire one.
Our in-house finance brokers are all former bankers, with extensive experience in the UK’s healthcare lending sector. We know what the banks are looking for, we know how to get your application right and we know how to find the best commercial finance deals out there for pharmacists.
Apply for Commercial Finance Now
It couldn’t be easier to get your finance application started. You can either book a free, no-obligation consultation with one of our finance brokers, or apply via our website or app.
All you need to do to apply is sign up, provide a few key details and documents and we’ll get to work finding the best deals on the market for you to choose from.
Uros Turcic
Commercial Finance Broker
Speak to an expert
To find out more about what your options are and how we can help you, book a free consultation with Uros – one of our commercial finance brokers specialising in UK healthcare.
Apply on our app for a faster and simplified application process.
Sign Up
Sign up with the Samera Finance app.
Complete Profile
Fill in all of the relevant information.
Get Approved
Get approved with the most competitive interest rates out there.
Download on an Apple device.
What might your repayments look like?
Amount
Term
Interest Rate
2.5%
Monthly Repayments:
£0
Total Cost:
£0
*Calculations are indicative and intended as a guide only.
Based on the average rate of our lowest risk businesses.
Excludes loan origination fee
What will financial lenders look at and assess?
The history of any earnings as a pharmacist.
Management of personal finances.
Living situation of the applicant. Is the accommodation rented or owned?
Career in pharmacy and level of management experience.
Ability to repay any loan that is provided.
Any personal savings that are in place. Showing a propensity to save rather than make rash purchases is an indication of being low risk for lending.
Evidence that tax payments are up to date.
The personality and character of the applicant.
To give yourself the best chance of your loan application being successful, contact us today to find out how we can help and make sure you follow the 5 steps below.
Depending on what type of financing you need for your pharmacy, you may need to secure your loan with assets to put up as collateral in case you default on any repayment on your loan.
Our finance brokerage team can advise you at every stage of your application to ensure you understand the process and don’t fall into the many potential pitfalls when raising finance for your pharmacy clinic or business.
Applying for Finance
Follow these 5 steps before you apply for finance:
Do you have further questions?
If so, please send us a message via our contact form.
Step 1: Review your personal income and expenditure
The first step is to review your personal income and expenditure – look at it from an outside perspective, and consider what others would think about you when looking at your expenditure.
Make sure that you have a breakdown of your debt repayment schedule, showing all your payments, what they are for and who they are going to. Is it all a car loan or made up of some car loan and some professional qualification costs?
Step 2: Obtain your Bank statements and look at your account conduct
The second step is to obtain your bank statements and look at your bank account conduct. Do you stay in credit or within the overdraft limit? Are there any times when your finances get really stretched and if so, can you do anything about this?
Step 3: Obtain your Credit Score
Thirdly, obtain your credit score for free and make sure that it is correct. Check there is nothing on there you were not aware of, as credit scoring companies do often make mistakes.
Step 4: Consider your partner’s financial background
Make sure your partner’s financial health is strong too. If borrowing in joint names you will both have an examination of your financial status.
Step 5: Use an experienced Commercial Finance Broker
Utilise the skills of an experienced commercial finance broker such as Samera to help you raise the finance. Our team are experts in helping pharmacists get finance and business loans to buy or grow their pharmacy.
Our specialist finance brokers will be able to guide you through the process to ensure you put in the strongest application to the banks and lenders to obtain the best available deals on the market.
What finance options are there for pharmacists?
There are several options out there for pharmacists looking to raise finance. Which one is best for you will depend on what you need the finance for and your ability to repay it. The loan terms like repayment scheduling, whether it is secured or unsecured and who you borrow from will vary case by case.
Our team can make sure you apply for the right finance for your pharmacy business, and that you have the best chance of it being successful when you do.
Acquisition Finance
It’s unlikely that you’ll be able to buy a pharmacy with your own money. You’ll almost certainly need to borrow at least some acquisition finance to make the purchase. The amount you need to borrow and how long it takes to pay back will depend on the value of the pharmacy clinic, your own financial situation and how much value you can add to the business, amongst a whole host of other things. We’ve helped countless healthcare professionals raise acquisition finance to purchase their healthcare business, we know what they’re really worth, what loan terms suit you and how to get it.
Asset Finance
Equipping and maintaining a pharmacy is expensive. Your working capital will usually take less of a hit if you spread the cost out over a loan repayment, rather than one lump sum. With our buying group, the Samera Alliance, we not only help you raise asset finance, we can get you exclusive discounts and offers on your consumables and equipment.
Commercial Mortgages
We were finalists in the NACFB Commercial Mortgage Broker of the Year Awards 2021. Our in-house commercial mortgage brokers are experts at helping pharmacists purchase the property they need to start or grow their pharmacy business.
Tax Loans
Instead of saving your income and paying your tax bill in individual lump sums, it is sometimes easier to spread the cost over the year with a tax loan. Our specialist accountants can help reduce your tax bill, while our finance brokers source the money to pay it.
Case Study
The Problem
We were recently approached by a locum pharmacist based in Yorkshire who was trying to purchase their first Pharmacy,
They explained that as they were purchasing a pharmacy from a corporate who had only provided management information (due to them having multiple sites) and that the lender they had approached were having difficulty ascertaining the true profits at the pharmacy,
The Solution
After our initial discussion, we outlined the information we would need to approach lenders. We also explained that we had experience in helping clients purchase pharmacies from corporates who were only able to provide management information.
The Result
Once we had the information, we were able to put this into a format that was easy for the lenders to understand, demonstrating what the pharmacy costs were and provide an accurate net profit that could be relied upon for the application.
We were able to obtain three different offers from lenders for the client to choose from and they were able to purchase the target site.
As you start your cosmetic surgery clinic and as your surgery grows, you are most likely going to need to borrow the money to purchase new equipment, to extend a current surgery, or to buy more cosmetic surgeon clinics and build a group. No matter what you need it for, we can make sure you get the right finance for your plastic surgery business.
When you are seeking a loan to buy, start or grow a cosmetic surgery, banks and lenders will look at your personal finance history to help them ascertain whether you will be a secure and reliable client that can repay the loan.
If you do not currently own a cosmetic surgery, your personal circumstances are one of the information sources that lenders will have to assess your ability to manage a surgery when you acquire one.
Our in-house finance brokers are all former bankers, with extensive experience in the UK’s healthcare lending sector. We know what the banks are looking for, we know how to get your application right and we know how to find the best commercial finance deals out there for cosmetic surgeons.
Apply for Commercial Finance Now
It couldn’t be easier to get your finance application started. You can either book a free, no-obligation consultation with one of our finance brokers, or apply via our website or app.
All you need to do to apply is sign up, provide a few key details and documents and we’ll get to work finding the best deals on the market for you to choose from.
Uros Turcic
Commercial Finance Broker
Speak to an expert
To find out more about what your options are and how we can help you, book a free consultation with Uros – one of our commercial finance brokers specialising in UK healthcare.
Apply on our app for a faster and simplified application process.
Sign Up
Sign up with the Samera Finance app.
Complete Profile
Fill in all of the relevant information.
Get Approved
Get approved with the most competitive interest rates out there.
Download on an Apple device.
What might your repayments look like?
Amount
Term
Interest Rate
2.5%
Monthly Repayments:
£0
Total Cost:
£0
*Calculations are indicative and intended as a guide only.
Based on the average rate of our lowest risk businesses.
Excludes loan origination fee
What will financial lenders look at and assess?
The history of any earnings as a cosmetic surgeon.
Management of personal finances.
Living situation of the applicant. Is the accommodation rented or owned?
Career in medicine and level of management experience.
Ability to repay any loan that is provided.
Any personal savings that are in place. Showing a propensity to save rather than make rash purchases is an indication of being low risk for lending.
Evidence that tax payments are up to date.
The personality and character of the applicant.
To give yourself the best chance of your loan application being successful, contact us today to find out how we can help and make sure you follow the 5 steps below.
Depending on what type of financing you need for your cosmetic surgery, you may need to secure your loan with assets to put up as collateral in case you default on any repayment on your loan.
Our finance brokerage team can advise you at every stage of your application to ensure you understand the process and don’t fall into the many potential pitfalls when raising finance for your plastic surgery or business.
Applying for Finance
Follow these 5 steps before you apply for finance:
Do you have further questions?
If so, please send us a message via our contact form.
Step 1: Review your personal income and expenditure
The first step is to review your personal income and expenditure – look at it from an outside perspective, and consider what others would think about you when looking at your expenditure.
Make sure that you have a breakdown of your debt repayment schedule, showing all your payments, what they are for and who they are going to. Is it all a car loan or made up of some car loan and some professional qualification costs?
Step 2: Obtain your Bank statements and look at your account conduct
The second step is to obtain your bank statements and look at your bank account conduct. Do you stay in credit or within the overdraft limit? Are there any times when your finances get really stretched and if so, can you do anything about this?
Step 3: Obtain your Credit Score
Thirdly, obtain your credit score for free and make sure that it is correct. Check there is nothing on there you were not aware of, as credit scoring companies do often make mistakes.
Step 4: Consider your partner’s financial background
Make sure your partner’s financial health is strong too. If borrowing in joint names you will both have an examination of your financial status.
Step 5: Use an experienced Commercial Finance Broker
Utilise the skills of an experienced commercial finance broker such as Samera to help you raise the finance. Our team are experts in helping cosmetic surgeons get finance and business loans for their practice acquisition.
Our specialist finance brokers will be able to guide you through the process to ensure you put in the strongest application to the banks and lenders to obtain the best available deals on the market.
What finance options are there for cosmetic surgeons?
There are several options out there for cosmetic surgeons looking to raise finance. Which one is best for you will depend on what you need the finance for and your ability to repay it. The loan terms like repayment scheduling, whether it is secured or unsecured and who you borrow from will vary case by case.
Our team can make sure you apply for the right finance for your cosmetic surgery, and that you have the best chance of it being successful when you do.
Acquisition Finance
It’s unlikely that you’ll be able to buy a plastic surgery clinic with your own money. You’ll almost certainly need to borrow at least some acquisition finance to make the purchase. The amount you need to borrow and how long it takes to pay back will depend on the value of the cosmetic surgery, your own financial situation and how much value you can add to the business, amongst a whole host of other things. We’ve helped countless cosmetic surgeons raise acquisition finance for a business purchase, we know what they’re really worth, what loan terms suit you and how to get it.
Asset Finance
Equipping and maintaining a cosmetic surgery is expensive. Your working capital will usually take less of a hit if you spread the cost out over a loan repayment, rather than one lump sum. With our buying group, the Samera Alliance, we not only help you raise asset finance, we can get you exclusive discounts and offers on your consumables and equipment.
Commercial Mortgages
We were finalists in the NACFB Commercial Mortgage Broker of the Year Awards 2021. Our in-house commercial mortgage brokers are experts at helping cosmetic surgeons purchase the property they need to start or grow their business.
Tax Loans
Instead of saving your income and paying your tax bill in individual lump sums, it is sometimes easier to spread the cost over the year with a tax loan. Our specialist accountants can help reduce your tax bill, while our finance brokers source the money to pay it.
As you start your audiology clinic and as your practice grows, you are most likely going to need to borrow the money to purchase new equipment, to extend a current practice, or to buy more audiology practices and build a group. No matter what you need it for, we can make sure you get the right finance for your audiology business.
When you are seeking a loan to buy, start or grow an audiology clinic, banks and lenders will look at your personal finance history to help them ascertain whether you will be a secure and reliable client that can repay the loan.
If you do not currently own a clinic, your personal circumstances are one of the information sources that lenders will have to assess your ability to manage an audiology practice when you acquire one.
Our in-house finance brokers are all former bankers, with extensive experience in the UK’s healthcare lending sector. We know what the banks are looking for, we know how to get your application right and we know how to find the best commercial finance deals out there for audiologists.
Apply for Commercial Finance Now
It couldn’t be easier to get your finance application started. You can either book a free, no-obligation consultation with one of our finance brokers, or apply via our website or app.
All you need to do to apply is sign up, provide a few key details and documents and we’ll get to work finding the best deals on the market for you to choose from.
Uros Turcic
Commercial Finance Broker
Speak to an expert
To find out more about what your options are and how we can help you, book a free consultation with Uros – one of our commercial finance brokers specialising in UK healthcare.
Apply on our app for a faster and simplified application process.
Sign Up
Sign up with the Samera Finance app.
Complete Profile
Fill in all of the relevant information.
Get Approved
Get approved with the most competitive interest rates out there.
Download on an Apple device.
What might your repayments look like?
Amount
Term
Interest Rate
2.5%
Monthly Repayments:
£0
Total Cost:
£0
*Calculations are indicative and intended as a guide only.
Based on the average rate of our lowest risk businesses.
Excludes loan origination fee
What will financial lenders look at and assess?
The history of any earnings as an audiologist.
Management of personal finances.
Living situation of the applicant. Is the accommodation rented or owned?
Career in dentistry and level of management experience.
Ability to repay any loan that is provided.
Any personal savings that are in place. Showing a propensity to save rather than make rash purchases is an indication of being low risk for lending.
Evidence that tax payments are up to date.
The personality and character of the applicant.
To give yourself the best chance of your loan application being successful, contact us today to find out how we can help and make sure you follow the 5 steps below.
Depending on what type of financing you need for your audiology clinic, you may need to secure your loan with assets to put up as collateral in case you default on any repayment on your loan.
Our finance brokerage team can advise you at every stage of your application to ensure you understand the process and don’t fall into the many potential pitfalls when raising finance for your audiology practice or business.
Applying for Finance
Follow these 5 steps before you apply for finance:
Do you have further questions?
If so, please send us a message via our contact form.
Step 1: Review your personal income and expenditure
The first step is to review your personal income and expenditure – look at it from an outside perspective, and consider what others would think about you when looking at your expenditure.
Make sure that you have a breakdown of your debt repayment schedule, showing all your payments, what they are for and who they are going to. Is it all a car loan or made up of some car loan and some professional qualification costs?
Step 2: Obtain your Bank statements and look at your account conduct
The second step is to obtain your bank statements and look at your bank account conduct. Do you stay in credit or within the overdraft limit? Are there any times when your finances get really stretched and if so, can you do anything about this?
Step 3: Obtain your Credit Score
Thirdly, obtain your credit score for free and make sure that it is correct. Check there is nothing on there you were not aware of, as credit scoring companies do often make mistakes.
Step 4: Consider your partner’s financial background
Make sure your partner’s financial health is strong too. If borrowing in joint names you will both have an examination of your financial status.
Step 5: Use an experienced Commercial Finance Broker
Utilise the skills of an experienced commercial finance broker such as Samera to help you raise the finance. Our team are experts in helping audiologists get finance and business loans for their practice acquisition.
Our specialist finance brokers will be able to guide you through the process to ensure you put in the strongest application to the banks and lenders to obtain the best available deals on the market.
What finance options are there for audiologists?
There are several options out there for audiologists looking to raise finance. Which one is best for you will depend on what you need the finance for and your ability to repay it. The loan terms like repayment scheduling, whether it is secured or unsecured and who you borrow from will vary case by case.
Our team can make sure you apply for the right finance for your audiology practice, and that you have the best chance of it being successful when you do.
Acquisition Finance
It’s unlikely that you’ll be able to buy an audiology clinic with your own money. You’ll almost certainly need to borrow at least some acquisition finance to make the purchase. The amount you need to borrow and how long it takes to pay back will depend on the value of the audiologist practice, your own financial situation and how much value you can add to the business, amongst a whole host of other things. We’ve helped countless audiologists raise acquisition finance for a business purchase, we know what they’re really worth, what loan terms suit you and how to get it.
Asset Finance
Equipping and maintaining an audiology practice is expensive. Your working capital will usually take less of a hit if you spread the cost out over a loan repayment, rather than one lump sum. With our buying group, the Samera Alliance, we not only help you raise asset finance, we can get you exclusive discounts and offers on your consumables and equipment.
Commercial Mortgages
We were finalists in the NACFB Commercial Mortgage Broker of the Year Awards 2021. Our in-house commercial mortgage brokers are experts at helping audiologists purchase the property they need to start or grow their business.
Tax Loans
Instead of saving your income and paying your tax bill in individual lump sums, it is sometimes easier to spread the cost over the year with a tax loan. Our specialist accountants can help reduce your tax bill, while our finance brokers source the money to pay it.
As you start your radiology clinic and as your practice grows, you are most likely going to need to borrow the money to purchase new equipment, to extend a current practice, or to buy more radiology clinics and build a group. No matter what you need it for, we can make sure you get the right finance for your radiology business.
When you are seeking a loan to buy, start or grow a radiology clinic, banks and lenders will look at your personal finance history to help them ascertain whether you will be a secure and reliable client that can repay the loan.
If you do not currently own a clinic, your personal circumstances are one of the information sources that lenders will have to assess your ability to manage a radiology clinic when you acquire one.
Our in-house finance brokers are all former bankers, with extensive experience in the UK’s healthcare lending sector. We know what the banks are looking for, we know how to get your application right and we know how to find the best commercial finance deals out there for radiologists.
Apply for Commercial Finance Now
It couldn’t be easier to get your finance application started. You can either book a free, no-obligation consultation with one of our finance brokers, or apply via our website or app.
All you need to do to apply is sign up, provide a few key details and documents and we’ll get to work finding the best deals on the market for you to choose from.
Uros Turcic
Commercial Finance Broker
Speak to an expert
To find out more about what your options are and how we can help you, book a free consultation with Uros – one of our commercial finance brokers specialising in UK healthcare.
Apply on our app for a faster and simplified application process.
Sign Up
Sign up with the Samera Finance app.
Complete Profile
Fill in all of the relevant information.
Get Approved
Get approved with the most competitive interest rates out there.
Download on an Apple device.
What might your repayments look like?
Amount
Term
Interest Rate
2.5%
Monthly Repayments:
£0
Total Cost:
£0
*Calculations are indicative and intended as a guide only.
Based on the average rate of our lowest risk businesses.
Excludes loan origination fee
What will financial lenders look at and assess?
The history of any earnings as a radiologist.
Management of personal finances.
Living situation of the applicant. Is the accommodation rented or owned?
Career in dentistry and level of management experience.
Ability to repay any loan that is provided.
Any personal savings that are in place. Showing a propensity to save rather than make rash purchases is an indication of being low risk for lending.
Evidence that tax payments are up to date.
The personality and character of the applicant.
To give yourself the best chance of your loan application being successful, contact us today to find out how we can help and make sure you follow the 5 steps below.
Depending on what type of financing you need for your radiology clinic, you may need to secure your loan with assets to put up as collateral in case you default on any repayment on your loan.
Our finance brokerage team can advise you at every stage of your application to ensure you understand the process and don’t fall into the many potential pitfalls when raising finance for your radiology practice or business.
Applying for Finance
Follow these 5 steps before you apply for finance:
Do you have further questions?
If so, please send us a message via our contact form.
Step 1: Review your personal income and expenditure
The first step is to review your personal income and expenditure – look at it from an outside perspective, and consider what others would think about you when looking at your expenditure.
Make sure that you have a breakdown of your debt repayment schedule, showing all your payments, what they are for and who they are going to. Is it all a car loan or made up of some car loan and some professional qualification costs?
Step 2: Obtain your Bank statements and look at your account conduct
The second step is to obtain your bank statements and look at your bank account conduct. Do you stay in credit or within the overdraft limit? Are there any times when your finances get really stretched and if so, can you do anything about this?
Step 3: Obtain your Credit Score
Thirdly, obtain your credit score for free and make sure that it is correct. Check there is nothing on there you were not aware of, as credit scoring companies do often make mistakes.
Step 4: Consider your partner’s financial background
Make sure your partner’s financial health is strong too. If borrowing in joint names you will both have an examination of your financial status.
Step 5: Use an experienced Commercial Finance Broker
Utilise the skills of an experienced commercial finance broker such as Samera to help you raise the finance. Our team are experts in helping radiologists get finance and business loans for their practice acquisition.
Our specialist finance brokers will be able to guide you through the process to ensure you put in the strongest application to the banks and lenders to obtain the best available deals on the market.
What finance options are there for radiologists?
There are several options out there for radiologists looking to raise finance. Which one is best for you will depend on what you need the finance for and your ability to repay it. The loan terms like repayment scheduling, whether it is secured or unsecured and who you borrow from will vary case by case.
Our team can make sure you apply for the right finance for your radiology practice, and that you have the best chance of it being successful when you do.
Acquisition Finance
It’s unlikely that you’ll be able to buy a radiology clinic with your own money. You’ll almost certainly need to borrow at least some acquisition finance to make the purchase. The amount you need to borrow and how long it takes to pay back will depend on the value of the radiologist practice, your own financial situation and how much value you can add to the business, amongst a whole host of other things. We’ve helped countless radiologists raise acquisition finance for a business purchase, we know what they’re really worth, what loan terms suit you and how to get it.
Asset Finance
Equipping and maintaining a radiology practice is expensive.Your working capital will usually take less of a hit if you spread the cost out over a loan repayment, rather than one lump sum. With our buying group, the Samera Alliance, we not only help you raise asset finance, we can get you exclusive discounts and offers on your consumables and equipment.
Commercial Mortgages
We were finalists in the NACFB Commercial Mortgage Broker of the Year Awards 2021. Our in-house commercial mortgage brokers are experts at helping radiologists purchase the property they need to start or grow their business.
Tax Loans
Instead of saving your income and paying your tax bill in individual lump sums, it is sometimes easier to spread the cost over the year with a tax loan. Our specialist accountants can help reduce your tax bill, while our finance brokers source the money to pay it.
Commercial Loans for Healthcare Businesses
We’ve been helping to fund the future of British healthcare businesses for over 20 years and our team are made up of former bankers with decades of experience in the UK’s healthcare lending sector.
You can find out more about working with Samera and the financial services we offer by booking a free consultation with one of the Samera team at a time that suits you (including evenings) or by reading more about our financial services at the links below.
As you start your implantology clinic and as your practice grows, you are most likely going to need to borrow the money to purchase new equipment, to extend a current practice, or to buy more implantology practices and build a group. No matter what you need it for, we can make sure you get the right finance for your implantology business.
When you are seeking a loan to buy, start or grow an implantology practice, banks and lenders will look at your personal finance history to help them ascertain whether you will be a secure and reliable client that can repay the loan.
If you do not currently own a clinic, your personal circumstances are one of the information sources that lenders will have to assess your ability to manage an implantology practice when you acquire one.
Our in-house finance brokers are all former bankers, with extensive experience in the UK’s healthcare lending sector. We know what the banks are looking for, we know how to get your application right and we know how to find the best commercial finance deals out there for implantologists.
Apply for Commercial Finance Now
It couldn’t be easier to get your finance application started. You can either book a free, no-obligation consultation with one of our finance brokers, or apply via our website or app.
All you need to do to apply is sign up, provide a few key details and documents and we’ll get to work finding the best deals on the market for you to choose from.
Uros Turcic
Commercial Finance Broker
Speak to an expert
To find out more about what your options are and how we can help you, book a free consultation with Uros – one of our commercial finance brokers specialising in UK healthcare.
Apply on our app for a faster and simplified application process.
Sign Up
Sign up with the Samera Finance app.
Complete Profile
Fill in all of the relevant information.
Get Approved
Get approved with the most competitive interest rates out there.
Download on an Apple device.
What might your repayments look like?
Amount
Term
Interest Rate
2.5%
Monthly Repayments:
£0
Total Cost:
£0
*Calculations are indicative and intended as a guide only.
Based on the average rate of our lowest risk businesses.
Excludes loan origination fee
What will financial lenders look at and assess?
The history of any earnings as an implantologist.
Management of personal finances.
Living situation of the applicant. Is the accommodation rented or owned?
Career in dentistry and level of management experience.
Ability to repay any loan that is provided.
Any personal savings that are in place. Showing a propensity to save rather than make rash purchases is an indication of being low risk for lending.
Evidence that tax payments are up to date.
The personality and character of the applicant.
To give yourself the best chance of your loan application being successful, contact us today to find out how we can help and make sure you follow the 5 steps below.
Depending on what type of financing you need for your implantology clinic, you may need to secure your loan with assets to put up as collateral in case you default on any repayment on your loan.
Our finance brokerage team can advise you at every stage of your application to ensure you understand the process and don’t fall into the many potential pitfalls when raising finance for your implantology practice or business.
Applying for Finance
Follow these 5 steps before you apply for finance:
Do you have further questions?
If so, please send us a message via our contact form.
Step 1: Review your personal income and expenditure
The first step is to review your personal income and expenditure – look at it from an outside perspective, and consider what others would think about you when looking at your expenditure.
Make sure that you have a breakdown of your debt repayment schedule, showing all your payments, what they are for and who they are going to. Is it all a car loan or made up of some car loan and some professional qualification costs?
Step 2: Obtain your Bank statements and look at your account conduct
The second step is to obtain your bank statements and look at your bank account conduct. Do you stay in credit or within the overdraft limit? Are there any times when your finances get really stretched and if so, can you do anything about this?
Step 3: Obtain your Credit Score
Thirdly, obtain your credit score for free and make sure that it is correct. Check there is nothing on there you were not aware of, as credit scoring companies do often make mistakes.
Step 4: Consider your partner’s financial background
Make sure your partner’s financial health is strong too. If borrowing in joint names you will both have an examination of your financial status.
Step 5: Use an experienced Commercial Finance Broker
Utilise the skills of an experienced commercial finance broker such as Samera to help you raise the finance. Our team are experts in helping implantologists get finance and business loans for their practice acquisition.
Our specialist finance brokers will be able to guide you through the process to ensure you put in the strongest application to the banks and lenders to obtain the best available deals on the market.
What finance options are there for implantologists?
There are several options out there for implantologists looking to raise finance. Which one is best for you will depend on what you need the finance for and your ability to repay it. The loan terms like repayment scheduling, whether it is secured or unsecured and who you borrow from will vary case by case.
Our team can make sure you apply for the right finance for your implantology practice, and that you have the best chance of it being successful when you do.
Acquisition Finance
It’s unlikely that you’ll be able to buy an implantology clinic with your own money. You’ll almost certainly need to borrow at least some acquisition finance to make the purchase. The amount you need to borrow and how long it takes to pay back will depend on the value of the implantologist practice, your own financial situation and how much value you can add to the business, amongst a whole host of other things. We’ve helped countless implantologists raise acquisition finance for a business purchase, we know what they’re really worth, what loan terms suit you and how to get it.
Asset Finance
Equipping and maintaining an implantology practice is expensive. Your working capital will usually take less of a hit if you spread the cost out over a loan repayment, rather than one lump sum. With our buying group, the Samera Alliance, we not only help you raise asset finance, we can get you exclusive discounts and offers on your consumables and equipment.
Commercial Mortgages
We were finalists in the NACFB Commercial Mortgage Broker of the Year Awards 2021. Our in-house commercial mortgage brokers are experts at helping implantologists purchase the property they need to start or grow their business.
Tax Loans
Instead of saving your income and paying your tax bill in individual lump sums, it is sometimes easier to spread the cost over the year with a tax loan. Our specialist accountants can help reduce your tax bill, while our finance brokers source the money to pay it.
Commercial Loans for Healthcare Businesses
We’ve been helping to fund the future of British healthcare businesses for over 20 years and our team are made up of former bankers with decades of experience in the UK’s healthcare lending sector.
You can find out more about working with Samera and the financial services we offer by booking a free consultation with one of the Samera team at a time that suits you (including evenings) or by reading more about our financial services at the links below.
As you start your doctor’s clinic and as a medical practice grows, you are most likely going to need to borrow the money to purchase new equipment, to extend a current practice, or to buy more clinics and build a group. No matter what you need it for, we can make sure you get the right finance for your medical business.
When you are seeking a loan to buy, start or grow a doctor’s clinic, banks and lenders will look at your personal finance history to help them ascertain whether you will be a secure and reliable client that can repay the loan.
If you do not currently own a clinic, your personal circumstances are one of the information sources that lenders will have to assess your ability to manage a medical practice when you acquire one.
Our in-house finance brokers are all former bankers, with extensive experience in the UK’s healthcare lending sector. We know what the banks are looking for, we know how to get your application right and we know how to find the best commercial finance deals out there for doctors.
Apply for Commercial Finance Now
It couldn’t be easier to get your finance application started. You can either book a free, no-obligation consultation with one of our finance brokers, or apply via our website or app.
All you need to do to apply is sign up, provide a few key details and documents and we’ll get to work finding the best deals on the market for you to choose from.
Uros Turcic
Commercial Finance Broker
Speak to an expert
To find out more about what your options are and how we can help you, book a free consultation with Uros – one of our commercial finance brokers specialising in UK healthcare.
Apply on our app for a faster and simplified application process.
Sign Up
Sign up with the Samera Finance app.
Complete Profile
Fill in all of the relevant information.
Get Approved
Get approved with the most competitive interest rates out there.
Download on an Apple device.
What might your repayments look like?
Amount
Term
Interest Rate
2.5%
Monthly Repayments:
£0
Total Cost:
£0
*Calculations are indicative and intended as a guide only.
Based on the average rate of our lowest risk businesses.
Excludes loan origination fee
What will financial lenders look at and assess?
The history of any earnings as a doctor.
Management of personal finances.
Living situation of the applicant. Is the accommodation rented or owned?
Career in medicine and level of management experience.
Ability to repay any loan that is provided.
Any personal savings that are in place. Showing a propensity to save rather than make rash purchases is an indication of being low risk for lending.
Evidence that tax payments are up to date.
The personality and character of the applicant.
To give yourself the best chance of your loan application being successful, contact us today to find out how we can help and make sure you follow the 5 steps below.
Depending on what type of financing you need for your doctor’s practice, you may need to secure your loan with assets to put up as collateral in case you default on any repayment on your loan.
Our finance brokerage team can advise you at every stage of your application to ensure you understand the process and don’t fall into the many potential pitfalls when raising finance for your medical practice or business.
Applying for Finance
Follow these 5 steps before you apply for finance:
Do you have further questions?
If so, please send us a message via our contact form.
Step 1: Review your personal income and expenditure
The first step is to review your personal income and expenditure – look at it from an outside perspective, and consider what others would think about you when looking at your expenditure.
Make sure that you have a breakdown of your debt repayment schedule, showing all your payments, what they are for and who they are going to. Is it all a car loan or made up of some car loan and some professional qualification costs?
Step 2: Obtain your Bank statements and look at your account conduct
The second step is to obtain your bank statements and look at your bank account conduct. Do you stay in credit or within the overdraft limit? Are there any times when your finances get really stretched and if so, can you do anything about this?
Step 3: Obtain your Credit Score
Thirdly, obtain your credit score for free and make sure that it is correct. Check there is nothing on there you were not aware of, as credit scoring companies do often make mistakes.
Step 4: Consider your partner’s financial background
Make sure your partner’s financial health is strong too. If borrowing in joint names you will both have an examination of your financial status.
Step 5: Use an experienced Commercial Finance Broker
Utilise the skills of an experienced commercial finance broker such as Samera to help you raise the finance. Our team are experts in helping doctors get finance and business loans for their practice acquisition.
Our specialist finance brokers will be able to guide you through the process to ensure you put in the strongest application to the banks and lenders to obtain the best available deals on the market.
What finance options are there for doctors?
There are several options out there for doctors looking to raise finance. Which one is best for you will depend on what you need the finance for and your ability to repay it. The loan terms like repayment scheduling, whether it is secured or unsecured and who you borrow from will vary case by case.
Our team can make sure you apply for the right finance for your doctor’s practice, and that you have the best chance of it being successful when you do.
Acquisition Finance
It’s unlikely that you’ll be able to buy a clinic with your own money. You’ll almost certainly need to borrow at least some acquisition finance to make the purchase. The amount you need to borrow and how long it takes to pay back will depend on the value of the doctor practice, your own financial situation and how much value you can add to the doctor’s practice, amongst a whole host of other things. We’ve helped countless doctors raise acquisition finance for a practice purchase, we know what they’re really worth, what loan terms suit you and how to get it.
Asset Finance
Equipping and maintaining a medical practice is expensive. Your working capital will usually take less of a hit if you spread the cost out over a loan repayment, rather than one lump sum. With our buying group, the Samera Alliance, we not only help you raise asset finance, we can get you exclusive discounts and offers on your consumables and equipment.
Commercial Mortgages
We were finalists in the NACFB Commercial Mortgage Broker of the Year Awards 2021. Our in-house commercial mortgage brokers are experts at helping doctors purchase the property they need to start or grow their business.
Tax Loans
Instead of saving your income and paying your tax bill in individual lump sums, it is sometimes easier to spread the cost over the year with a tax loan. Our specialist accountants can help reduce your tax bill, while our finance brokers source the money to pay it.
As you start your GP clinic and as a GP practice grows, you are most likely going to need to borrow the money to purchase new equipment, to extend a current GP practice, or to buy more clinics and build a group. No matter what you need it for, we can make sure you get the right finance for your GP business.
When you are seeking a loan to buy, start or grow a GP practice, banks and lenders will look at your personal finance history to help them ascertain whether you will be a secure and reliable client that can repay the loan.
If you do not currently own a GP clinic, your personal circumstances are one of the information sources that lenders will have to assess your ability to manage a GP practice when you acquire one.
Our in-house finance brokers are all former bankers, with extensive experience in the UK’s healthcare lending sector. We know what the banks are looking for, we know how to get your application right and we know how to find the best commercial finance deals out there for GPs.
Apply for Commercial Finance Now
It couldn’t be easier to get your finance application started. You can either book a free, no-obligation consultation with one of our finance brokers, or apply via our website or app.
All you need to do to apply is sign up, provide a few key details and documents and we’ll get to work finding the best deals on the market for you to choose from.
Uros Turcic
Commercial Finance Broker
Speak to an expert
To find out more about what your options are and how we can help you, book a free consultation with Uros – one of our commercial finance brokers specialising in UK healthcare.
Apply on our app for a faster and simplified application process.
Sign Up
Sign up with the Samera Finance app.
Complete Profile
Fill in all of the relevant information.
Get Approved
Get approved with the most competitive interest rates out there.
Download on an Apple device.
What might your repayments look like?
Amount
Term
Interest Rate
2.5%
Monthly Repayments:
£0
Total Cost:
£0
*Calculations are indicative and intended as a guide only.
Based on the average rate of our lowest risk businesses.
Excludes loan origination fee
What will financial lenders look at and assess?
The history of any earnings as a GP.
Management of personal finances.
Living situation of the applicant. Is the accommodation rented or owned?
Career in medicine and level of management experience.
Ability to repay any loan that is provided.
Any personal savings that are in place. Showing a propensity to save rather than make rash purchases is an indication of being low risk for lending.
Evidence that tax payments are up to date.
The personality and character of the applicant.
To give yourself the best chance of your loan application being successful, contact us today to find out how we can help and make sure you follow the 5 steps below.
Depending on what type of financing you need for your GP practice, you may need to secure your loan with assets to put up as collateral in case you default on any repayment on your loan.
Our finance brokerage team can advise you at every stage of your application to ensure you understand the process and don’t fall into the many potential pitfalls when raising finance for your GP practice or business.
Applying for Finance
Follow these 5 steps before you apply for finance:
Do you have further questions?
If so, please send us a message via our contact form.
Step 1: Review your personal income and expenditure
The first step is to review your personal income and expenditure – look at it from an outside perspective, and consider what others would think about you when looking at your expenditure.
Make sure that you have a breakdown of your debt repayment schedule, showing all your payments, what they are for and who they are going to. Is it all a car loan or made up of some car loan and some professional qualification costs?
Step 2: Obtain your Bank statements and look at your account conduct
The second step is to obtain your bank statements and look at your bank account conduct. Do you stay in credit or within the overdraft limit? Are there any times when your finances get really stretched and if so, can you do anything about this?
Step 3: Obtain your Credit Score
Thirdly, obtain your credit score for free and make sure that it is correct. Check there is nothing on there you were not aware of, as credit scoring companies do often make mistakes.
Step 4: Consider your partner’s financial background
Make sure your partner’s financial health is strong too. If borrowing in joint names you will both have an examination of your financial status.
Step 5: Use an experienced Commercial Finance Broker
Utilise the skills of an experienced commercial finance broker such as Samera to help you raise the finance. Our team are experts in helping GPs get finance and business loans for their practice acquisition.
Our specialist finance brokers will be able to guide you through the process to ensure you put in the strongest application to the banks and lenders to obtain the best available deals on the market.
What finance options are there for GPs?
There are several options out there for GPs looking to raise finance. Which one is best for you will depend on what you need the finance for and your ability to repay it. The loan terms like repayment scheduling, whether it is secured or unsecured and who you borrow from will vary case by case.
Our team can make sure you apply for the right finance for your GP practice, and that you have the best chance of it being successful when you do.
Acquisition Finance
It’s unlikely that you’ll be able to buy a GP clinic with your own money. You’ll almost certainly need to borrow at least some acquisition finance to make the purchase. The amount you need to borrow and how long it takes to pay back will depend on the value of the GP practice, your own financial situation and how much value you can add to the GP practice, amongst a whole host of other things. We’ve helped countless GPs raise acquisition finance for a GP practice purchase, we know what they’re really worth, what loan terms suit you and how to get it.
Asset Finance
Equipping and maintaining a GP practice is expensive. Your working capital will usually take less of a hit if you spread the cost out over a loan repayment, rather than one lump sum. With our buying group, the Samera Alliance, we not only help you raise asset finance, we can get you exclusive discounts and offers on your consumables and equipment.
Commercial Mortgages
We were finalists in the NACFB Commercial Mortgage Broker of the Year Awards 2021. Our in-house commercial mortgage brokers are experts at helping doctors purchase the property they need to start or grow their business.
Tax Loans
Instead of saving your income and paying your tax bill in individual lump sums, it is sometimes easier to spread the cost over the year with a tax loan. Our specialist accountants can help reduce your tax bill, while our finance brokers source the money to pay it.
As you start your veterinary clinic and as a vet practice grows, you are most likely going to need to borrow the money to purchase new equipment, to extend a current vet practice, or to buy more clinics and build a group. No matter what you need it for, we can make sure you get the right finance for your vet business.
When you are seeking a loan to buy, start or grow a veterinary clinic, banks and lenders will look at your personal finance history to help them ascertain whether you will be a secure and reliable client that can repay the loan.
If you do not currently own a vet clinic, your personal circumstances are one of the information sources that lenders will have to assess your ability to manage a veterinary practice when you acquire one.
Our in-house finance brokers are all former bankers, with extensive experience in the UK’s healthcare lending sector. We know what the banks are looking for, we know how to get your application right and we know how to find the best commercial finance deals out there for vets.
Apply for Commercial Finance Now
It couldn’t be easier to get your finance application started. You can either book a free, no-obligation consultation with one of our finance brokers, or apply via our website or app.
All you need to do to apply is sign up, provide a few key details and documents and we’ll get to work finding the best deals on the market for you to choose from.
Uros Turcic
Commercial Finance Broker
Speak to an expert
To find out more about what your options are and how we can help you, book a free consultation with Uros – one of our commercial finance brokers specialising in UK healthcare.
Apply on our app for a faster and simplified application process.
Sign Up
Sign up with the Samera Finance app.
Complete Profile
Fill in all of the relevant information.
Get Approved
Get approved with the most competitive interest rates out there.
Download on an Apple device.
What might your repayments look like?
Amount
Term
Interest Rate
2.5%
Monthly Repayments:
£0
Total Cost:
£0
*Calculations are indicative and intended as a guide only.
Based on the average rate of our lowest risk businesses.
Excludes loan origination fee
What will financial lenders look at and assess?
The history of any earnings as a vet.
Management of personal finances.
Living situation of the applicant. Is the accommodation rented or owned?
Career in veterinary and level of management experience.
Ability to repay any loan that is provided.
Any personal savings that are in place. Showing a propensity to save rather than make rash purchases is an indication of being low risk for lending.
Evidence that tax payments are up to date.
The personality and character of the applicant.
To give yourself the best chance of your loan application being successful, contact us today to find out how we can help and make sure you follow the 5 steps below.
Depending on what type of financing you need for your veterinary practice, you may need to secure your loan with assets to put up as collateral in case you default on any repayment on your loan.
Our finance brokerage team can advise you at every stage of your application to ensure you understand the process and don’t fall into the many potential pitfalls when raising finance for your veterinary practice or business.
Applying for Finance
Follow these 5 steps before you apply for finance:
Do you have further questions?
If so, please send us a message via our contact form.
Step 1: Review your personal income and expenditure
The first step is to review your personal income and expenditure – look at it from an outside perspective, and consider what others would think about you when looking at your expenditure.
Make sure that you have a breakdown of your debt repayment schedule, showing all your payments, what they are for and who they are going to. Is it all a car loan or made up of some car loan and some professional qualification costs?
Step 2: Obtain your Bank statements and look at your account conduct
The second step is to obtain your bank statements and look at your bank account conduct. Do you stay in credit or within the overdraft limit? Are there any times when your finances get really stretched and if so, can you do anything about this?
Step 3: Obtain your Credit Score
Thirdly, obtain your credit score for free and make sure that it is correct. Check there is nothing on there you were not aware of, as credit scoring companies do often make mistakes.
Step 4: Consider your partner’s financial background
Make sure your partner’s financial health is strong too. If borrowing in joint names you will both have an examination of your financial status.
Step 5: Use an experienced Commercial Finance Broker
Utilise the skills of an experienced commercial finance broker such as Samera to help you raise the finance. Our team are experts in helping vets get finance and business loans for their practice acquisition.
Our specialist finance brokers will be able to guide you through the process to ensure you put in the strongest application to the banks and lenders to obtain the best available deals on the market.
What finance options are there for vets?
There are several options out there for vets looking to raise finance. Which one is best for you will depend on what you need the finance for and your ability to repay it. The loan terms like repayment scheduling, whether it is secured or unsecured and who you borrow from will vary case by case.
Our team can make sure you apply for the right finance for your veterinary practice, and that you have the best chance of it being successful when you do.
Acquisition Finance
It’s unlikely that you’ll be able to buy a veterinary clinic with your own money. You’ll almost certainly need to borrow at least some acquisition finance to make the purchase. The amount you need to borrow and how long it takes to pay back will depend on the value of the vet practice, your own financial situation and how much value you can add to the veterinary practice, amongst a whole host of other things. We’ve helped countless vets raise acquisition finance for a vet practice purchase, we know what they’re really worth, what loan terms suit you and how to get it.
Asset Finance
Equipping and maintaining a vet practice is expensive. Your working capital will usually take less of a hit if you spread the cost out over a loan repayment, rather than one lump sum. With our buying group, the Samera Alliance, we not only help you raise asset finance, we can get you exclusive discounts and offers on your consumables and equipment.
Commercial Mortgages
We were finalists in the NACFB Commercial Mortgage Broker of the Year Awards 2021. Our in-house commercial mortgage brokers are experts at helping vets purchase the property they need to start or grow their business.
Tax Loans
Instead of saving your income and paying your tax bill in individual lump sums, it is sometimes easier to spread the cost over the year with a tax loan. Our specialist accountants can help reduce your tax bill, while our finance brokers source the money to pay it.
Commercial Loans for Healthcare Businesses
We’ve been helping to fund the future of British healthcare businesses for over 20 years and our team are made up of former bankers with decades of experience in the UK’s healthcare lending sector.
You can find out more about working with Samera and the financial services we offer by booking a free consultation with one of the Samera team at a time that suits you (including evenings) or by reading more about our financial services at the links below.
As you start your orthodontic clinic and as your practice grows, you are most likely going to need to borrow the money to purchase new equipment, to extend a current orthodontist’s, or to buy more orthodontic practices and build a group. No matter what you need it for, we can make sure you get the right finance for your orthodontic business.
When you are seeking a loan to buy, start or grow an orthodontic practice, banks and lenders will look at your personal finance history to help them ascertain whether you will be a secure and reliable client that can repay the loan.
If you do not currently own a clinic, your personal circumstances are one of the information sources that lenders will have to assess your ability to manage an orthodontic practice when you acquire one.
Our in-house finance brokers are all former bankers, with extensive experience in the UK’s healthcare lending sector. We know what the banks are looking for, we know how to get your application right and we know how to find the best commercial finance deals out there for orthodontists.
Apply for Commercial Finance Now
It couldn’t be easier to get your finance application started. You can either book a free, no-obligation consultation with one of our finance brokers, or apply via our website or app.
All you need to do to apply is sign up, provide a few key details and documents and we’ll get to work finding the best deals on the market for you to choose from.
Uros Turcic
Commercial Finance Broker
Speak to an expert
To find out more about what your options are and how we can help you, book a free consultation with Uros – one of our commercial finance brokers specialising in UK healthcare.
Apply on our app for a faster and simplified application process.
Sign Up
Sign up with the Samera Finance app.
Complete Profile
Fill in all of the relevant information.
Get Approved
Get approved with the most competitive interest rates out there.
Download on an Apple device.
What might your repayments look like?
Amount
Term
Interest Rate
2.5%
Monthly Repayments:
£0
Total Cost:
£0
*Calculations are indicative and intended as a guide only.
Based on the average rate of our lowest risk businesses.
Excludes loan origination fee
What will financial lenders look at and assess?
The history of any earnings as an orthodontist.
Management of personal finances.
Living situation of the applicant. Is the accommodation rented or owned?
Career in dentistry and level of management experience.
Ability to repay any loan that is provided.
Any personal savings that are in place. Showing a propensity to save rather than make rash purchases is an indication of being low risk for lending.
Evidence that tax payments are up to date.
The personality and character of the applicant.
To give yourself the best chance of your loan application being successful, contact us today to find out how we can help and make sure you follow the 5 steps below.
Depending on what type of financing you need for your orthodontic clinic, you may need to secure your loan with assets to put up as collateral in case you default on any repayment on your loan.
Our finance brokerage team can advise you at every stage of your application to ensure you understand the process and don’t fall into the many potential pitfalls when raising finance for your orthodontic practice or business.
Applying for Finance
Follow these 5 steps before you apply for finance:
Do you have further questions?
If so, please send us a message via our contact form.
Step 1: Review your personal income and expenditure
The first step is to review your personal income and expenditure – look at it from an outside perspective, and consider what others would think about you when looking at your expenditure.
Make sure that you have a breakdown of your debt repayment schedule, showing all your payments, what they are for and who they are going to. Is it all a car loan or made up of some car loan and some professional qualification costs?
Step 2: Obtain your Bank statements and look at your account conduct
The second step is to obtain your bank statements and look at your bank account conduct. Do you stay in credit or within the overdraft limit? Are there any times when your finances get really stretched and if so, can you do anything about this?
Step 3: Obtain your Credit Score
Thirdly, obtain your credit score for free and make sure that it is correct. Check there is nothing on there you were not aware of, as credit scoring companies do often make mistakes.
Step 4: Consider your partner’s financial background
Make sure your partner’s financial health is strong too. If borrowing in joint names you will both have an examination of your financial status.
Step 5: Use an experienced Commercial Finance Broker
Utilise the skills of an experienced commercial finance broker such as Samera to help you raise the finance. Our team are experts in helping orthodontists get finance and business loans for their practice acquisition.
Our specialist finance brokers will be able to guide you through the process to ensure you put in the strongest application to the banks and lenders to obtain the best available deals on the market.
What finance options are there for orthodontists?
There are several options out there for orthodontists looking to raise finance. Which one is best for you will depend on what you need the finance for and your ability to repay it. The loan terms like repayment scheduling, whether it is secured or unsecured and who you borrow from will vary case by case.
Our team can make sure you apply for the right finance for your practice, and that you have the best chance of it being successful when you do.
Acquisition Finance
It’s unlikely that you’ll be able to buy an orthodontic clinic with your own money. You’ll almost certainly need to borrow at least some acquisition finance to make the purchase. The amount you need to borrow and how long it takes to pay back will depend on the value of the orthodontic practice, your own financial situation and how much value you can add to the business, amongst a whole host of other things. We’ve helped countless orthodontists raise acquisition finance for a business purchase, we know what they’re really worth, what loan terms suit you and how to get it.
Asset Finance
Equipping and maintaining an orthodontic practice is expensive. Your working capital will usually take less of a hit if you spread the cost out over a loan repayment, rather than one lump sum. With our buying group, the Samera Alliance, we not only help you raise asset finance, we can get you exclusive discounts and offers on your consumables and equipment.
Commercial Mortgages
We were finalists in the NACFB Commercial Mortgage Broker of the Year Awards 2021. Our in-house commercial mortgage brokers are experts at helping orthodontists purchase the property they need to start or grow their business.
Tax Loans
Instead of saving your income and paying your tax bill in individual lump sums, it is sometimes easier to spread the cost over the year with a tax loan. Our specialist accountants can help reduce your tax bill, while our finance brokers source the money to pay it.
Commercial Loans for Healthcare Businesses
We’ve been helping to fund the future of British healthcare businesses for over 20 years and our team are made up of former bankers with decades of experience in the UK’s healthcare lending sector.
You can find out more about working with Samera and the financial services we offer by booking a free consultation with one of the Samera team at a time that suits you (including evenings) or by reading more about our financial services at the links below.
As you start your optician and as an optical practice grows, you are most likely going to need to borrow the money to purchase new equipment, to extend a current practice, or to buy more clinics and build a group. No matter what you need it for, we can make sure you get the right finance for your business.
When you are seeking a loan to buy, start or grow an optician’s clinic, banks and lenders will look at your personal finance history to help them ascertain whether you will be a secure and reliable client that can repay the loan.
If you do not currently own an optical practice, your personal circumstances are one of the information sources that lenders will have to assess your ability to manage a medical practice when you acquire one.
Our in-house finance brokers are all former bankers, with extensive experience in the UK’s healthcare lending sector. We know what the banks are looking for, we know how to get your application right and we know how to find the best commercial finance deals out there for opticians.
Apply for Commercial Finance Now
It couldn’t be easier to get your finance application started. You can either book a free, no-obligation consultation with one of our finance brokers, or apply via our website or app.
All you need to do to apply is sign up, provide a few key details and documents and we’ll get to work finding the best deals on the market for you to choose from.
Uros Turcic
Commercial Finance Broker
Speak to an expert
To find out more about what your options are and how we can help you, book a free consultation with Uros – one of our commercial finance brokers specialising in UK healthcare.
Apply on our app for a faster and simplified application process.
Sign Up
Sign up with the Samera Finance app.
Complete Profile
Fill in all of the relevant information.
Get Approved
Get approved with the most competitive interest rates out there.
Download on an Apple device.
What might your repayments look like?
Amount
Term
Interest Rate
2.5%
Monthly Repayments:
£0
Total Cost:
£0
*Calculations are indicative and intended as a guide only.
Based on the average rate of our lowest risk businesses.
Excludes loan origination fee
What will financial lenders look at and assess?
The history of any earnings as an optician.
Management of personal finances.
Living situation of the applicant. Is the accommodation rented or owned?
Career in medicine and level of management experience.
Ability to repay any loan that is provided.
Any personal savings that are in place. Showing a propensity to save rather than make rash purchases is an indication of being low risk for lending.
Evidence that tax payments are up to date.
The personality and character of the applicant.
To give yourself the best chance of your loan application being successful, contact us today to find out how we can help and make sure you follow the 5 steps below.
Depending on what type of financing you need for your optician’s practice, you may need to secure your loan with assets to put up as collateral in case you default on any repayment on your loan.
Our finance brokerage team can advise you at every stage of your application to ensure you understand the process and don’t fall into the many potential pitfalls when raising finance for your medical practice or business.
Applying for Finance
Follow these 5 steps before you apply for finance:
Do you have further questions?
If so, please send us a message via our contact form.
Step 1: Review your personal income and expenditure
The first step is to review your personal income and expenditure – look at it from an outside perspective, and consider what others would think about you when looking at your expenditure.
Make sure that you have a breakdown of your debt repayment schedule, showing all your payments, what they are for and who they are going to. Is it all a car loan or made up of some car loan and some professional qualification costs?
Step 2: Obtain your Bank statements and look at your account conduct
The second step is to obtain your bank statements and look at your bank account conduct. Do you stay in credit or within the overdraft limit? Are there any times when your finances get really stretched and if so, can you do anything about this?
Step 3: Obtain your Credit Score
Thirdly, obtain your credit score for free and make sure that it is correct. Check there is nothing on there you were not aware of, as credit scoring companies do often make mistakes.
Step 4: Consider your partner’s financial background
Make sure your partner’s financial health is strong too. If borrowing in joint names you will both have an examination of your financial status.
Step 5: Use an experienced Commercial Finance Broker
Utilise the skills of an experienced commercial finance broker such as Samera to help you raise the finance. Our team are experts in helping opticians get finance and business loans for their practice acquisition.
Our specialist finance brokers will be able to guide you through the process to ensure you put in the strongest application to the banks and lenders to obtain the best available deals on the market.
What finance options are there for opticians?
There are several options out there for opticians looking to raise finance. Which one is best for you will depend on what you need the finance for and your ability to repay it. The loan terms like repayment scheduling, whether it is secured or unsecured and who you borrow from will vary case by case.
Our team can make sure you apply for the right finance for your optician’s practice, and that you have the best chance of it being successful when you do.
Acquisition Finance
It’s unlikely that you’ll be able to buy a practice with your own money. You’ll almost certainly need to borrow at least some acquisition finance to make the purchase. The amount you need to borrow and how long it takes to pay back will depend on the value of the optician practice, your own financial situation and how much value you can add to the optician’s practice, amongst a whole host of other things. We’ve helped countless opticians raise acquisition finance for a practice purchase, we know what they’re really worth, what loan terms suit you and how to get it.
Asset Finance
Equipping and maintaining a medical practice is expensive. Your working capital will usually take less of a hit if you spread the cost out over a loan repayment, rather than one lump sum. With our buying group, the Samera Alliance, we not only help you raise asset finance, we can get you exclusive discounts and offers on your consumables and equipment.
Commercial Mortgages
We were finalists in the NACFB Commercial Mortgage Broker of the Year Awards 2021. Our in-house commercial mortgage brokers are experts at helping opticians purchase the property they need to start or grow their business.
Tax Loans
Instead of saving your income and paying your tax bill in individual lump sums, it is sometimes easier to spread the cost over the year with a tax loan. Our specialist accountants can help reduce your tax bill, while our finance brokers source the money to pay it.
Commercial Loans for Healthcare Businesses
We’ve been helping to fund the future of British healthcare businesses for over 20 years and our team are made up of former bankers with decades of experience in the UK’s healthcare lending sector.
You can find out more about working with Samera and the financial services we offer by booking a free consultation with one of the Samera team at a time that suits you (including evenings) or by reading more about our financial services at the links below.
As you start your dermatology clinic and as your practice grows, you are most likely going to need to borrow the money to purchase new equipment, to extend a current practice, or to buy more dermatology practices and build a group. No matter what you need it for, we can make sure you get the right finance for your dermatology business.
When you are seeking a loan to buy, start or grow a dermatology practice, banks and lenders will look at your personal finance history to help them ascertain whether you will be a secure and reliable client that can repay the loan.
If you do not currently own a clinic, your personal circumstances are one of the information sources that lenders will have to assess your ability to manage a dermatology practice when you acquire one.
Our in-house finance brokers are all former bankers, with extensive experience in the UK’s healthcare lending sector. We know what the banks are looking for, we know how to get your application right and we know how to find the best commercial finance deals out there for dermatologists.
Apply for Commercial Finance Now
It couldn’t be easier to get your finance application started. You can either book a free, no-obligation consultation with one of our finance brokers, or apply via our website or app.
All you need to do to apply is sign up, provide a few key details and documents and we’ll get to work finding the best deals on the market for you to choose from.
Uros Turcic
Commercial Finance Broker
Speak to an expert
To find out more about what your options are and how we can help you, book a free consultation with Uros – one of our commercial finance brokers specialising in UK healthcare.
Apply on our app for a faster and simplified application process.
Sign Up
Sign up with the Samera Finance app.
Complete Profile
Fill in all of the relevant information.
Get Approved
Get approved with the most competitive interest rates out there.
Download on an Apple device.
What might your repayments look like?
Amount
Term
Interest Rate
2.5%
Monthly Repayments:
£0
Total Cost:
£0
*Calculations are indicative and intended as a guide only.
Based on the average rate of our lowest risk businesses.
Excludes loan origination fee
What will financial lenders look at and assess?
The history of any earnings as a dermatologist.
Management of personal finances.
Living situation of the applicant. Is the accommodation rented or owned?
Career in healthcare and level of management experience.
Ability to repay any loan that is provided.
Any personal savings that are in place. Showing a propensity to save rather than make rash purchases is an indication of being low risk for lending.
Evidence that tax payments are up to date.
The personality and character of the applicant.
To give yourself the best chance of your loan application being successful, contact us today to find out how we can help and make sure you follow the 5 steps below.
Depending on what type of financing you need for your dermatology clinic, you may need to secure your loan with assets to put up as collateral in case you default on any repayment on your loan.
Our finance brokerage team can advise you at every stage of your application to ensure you understand the process and don’t fall into the many potential pitfalls when raising finance for your dermatology practice or business.
Applying for Finance
Follow these 5 steps before you apply for finance:
Do you have further questions?
If so, please send us a message via our contact form.
Step 1: Review your personal income and expenditure
The first step is to review your personal income and expenditure – look at it from an outside perspective, and consider what others would think about you when looking at your expenditure.
Make sure that you have a breakdown of your debt repayment schedule, showing all your payments, what they are for and who they are going to. Is it all a car loan or made up of some car loan and some professional qualification costs?
Step 2: Obtain your Bank statements and look at your account conduct
The second step is to obtain your bank statements and look at your bank account conduct. Do you stay in credit or within the overdraft limit? Are there any times when your finances get really stretched and if so, can you do anything about this?
Step 3: Obtain your Credit Score
Thirdly, obtain your credit score for free and make sure that it is correct. Check there is nothing on there you were not aware of, as credit scoring companies do often make mistakes.
Step 4: Consider your partner’s financial background
Make sure your partner’s financial health is strong too. If borrowing in joint names you will both have an examination of your financial status.
Step 5: Use an experienced Commercial Finance Broker
Utilise the skills of an experienced commercial finance broker such as Samera to help you raise the finance. Our team are experts in helping dermatologists get finance and business loans for their practice acquisition.
Our specialist finance brokers will be able to guide you through the process to ensure you put in the strongest application to the banks and lenders to obtain the best available deals on the market.
What finance options are there for dermatologists?
There are several options out there for dermatologists looking to raise finance. Which one is best for you will depend on what you need the finance for and your ability to repay it. The loan terms like repayment scheduling, whether it is secured or unsecured and who you borrow from will vary case by case.
Our team can make sure you apply for the right finance for your dermatology practice, and that you have the best chance of it being successful when you do.
Acquisition Finance
It’s unlikely that you’ll be able to buy a dermatology clinic with your own money. You’ll almost certainly need to borrow at least some acquisition finance to make the purchase. The amount you need to borrow and how long it takes to pay back will depend on the value of the dermatologist practice, your own financial situation and how much value you can add to the business, amongst a whole host of other things. We’ve helped countless dermatologists raise acquisition finance for a business purchase, we know what they’re really worth, what loan terms suit you and how to get it.
Asset Finance
Equipping and maintaining a dermatology practice is expensive. Your working capital will usually take less of a hit if you spread the cost out over a loan repayment, rather than one lump sum. With our buying group, the Samera Alliance, we not only help you raise asset finance, we can get you exclusive discounts and offers on your consumables and equipment.
Commercial Mortgages
We were finalists in the NACFB Commercial Mortgage Broker of the Year Awards 2021. Our in-house commercial mortgage brokers are experts at helping dermatologists purchase the property they need to start or grow their business.
Tax Loans
Instead of saving your income and paying your tax bill in individual lump sums, it is sometimes easier to spread the cost over the year with a tax loan. Our specialist accountants can help reduce your tax bill, while our finance brokers source the money to pay it.
As you start your gynaecology clinic and as your OB/GYN practice grows, you are most likely going to need to borrow the money to purchase new equipment, to extend a current practice, or to buy more gynaecology clinics and build a group. No matter what you need it for, we can make sure you get the right finance for your OB/GYN business.
When you are seeking a loan to buy, start or grow a gynaecology clinic, banks and lenders will look at your personal finance history to help them ascertain whether you will be a secure and reliable client that can repay the loan.
If you do not currently own an Obgyne clinic, your personal circumstances are one of the information sources that lenders will have to assess your ability to manage a gynaecology clinic when you acquire one.
Our in-house finance brokers are all former bankers, with extensive experience in the UK’s healthcare lending sector. We know what the banks are looking for, we know how to get your application right and we know how to find the best commercial finance deals out there for gynaecologists.
Apply for Commercial Finance Now
It couldn’t be easier to get your finance application started. You can either book a free, no-obligation consultation with one of our finance brokers, or apply via our website or app.
All you need to do to apply is sign up, provide a few key details and documents and we’ll get to work finding the best deals on the market for you to choose from.
Uros Turcic
Commercial Finance Broker
Speak to an expert
To find out more about what your options are and how we can help you, book a free consultation with Uros – one of our commercial finance brokers specialising in UK healthcare.
Apply on our app for a faster and simplified application process.
Sign Up
Sign up with the Samera Finance app.
Complete Profile
Fill in all of the relevant information.
Get Approved
Get approved with the most competitive interest rates out there.
Download on an Apple device.
What might your repayments look like?
Amount
Term
Interest Rate
2.5%
Monthly Repayments:
£0
Total Cost:
£0
*Calculations are indicative and intended as a guide only.
Based on the average rate of our lowest risk businesses.
Excludes loan origination fee
What will financial lenders look at and assess?
The history of any earnings as a gynaecologist.
Management of personal finances.
Living situation of the applicant. Is the accommodation rented or owned?
Career in medicine and level of management experience.
Ability to repay any loan that is provided.
Any personal savings that are in place. Showing a propensity to save rather than make rash purchases is an indication of being low risk for lending.
Evidence that tax payments are up to date.
The personality and character of the applicant.
To give yourself the best chance of your loan application being successful, contact us today to find out how we can help and make sure you follow the 5 steps below.
Depending on what type of financing you need for your gynaecology clinic, you may need to secure your loan with assets to put up as collateral in case you default on any repayment on your loan.
Our finance brokerage team can advise you at every stage of your application to ensure you understand the process and don’t fall into the many potential pitfalls when raising finance for your gynaecology practice or business.
Applying for Finance
Follow these 5 steps before you apply for finance:
Do you have further questions?
If so, please send us a message via our contact form.
Step 1: Review your personal income and expenditure
The first step is to review your personal income and expenditure – look at it from an outside perspective, and consider what others would think about you when looking at your expenditure.
Make sure that you have a breakdown of your debt repayment schedule, showing all your payments, what they are for and who they are going to. Is it all a car loan or made up of some car loan and some professional qualification costs?
Step 2: Obtain your Bank statements and look at your account conduct
The second step is to obtain your bank statements and look at your bank account conduct. Do you stay in credit or within the overdraft limit? Are there any times when your finances get really stretched and if so, can you do anything about this?
Step 3: Obtain your Credit Score
Thirdly, obtain your credit score for free and make sure that it is correct. Check there is nothing on there you were not aware of, as credit scoring companies do often make mistakes.
Step 4: Consider your partner’s financial background
Make sure your partner’s financial health is strong too. If borrowing in joint names you will both have an examination of your financial status.
Step 5: Use an experienced Commercial Finance Broker
Utilise the skills of an experienced commercial finance broker such as Samera to help you raise the finance. Our team are experts in helping gynaecologists get finance and business loans for their clinic acquisition.
Our specialist finance brokers will be able to guide you through the process to ensure you put in the strongest application to the banks and lenders to obtain the best available deals on the market.
What finance options are there for gynaecologists?
There are several options out there for gynaecologists looking to raise finance. Which one is best for you will depend on what you need the finance for and your ability to repay it. The loan terms like repayment scheduling, whether it is secured or unsecured and who you borrow from will vary case by case.
Our team can make sure you apply for the right finance for your gynaecology practice, and that you have the best chance of it being successful when you do.
Acquisition Finance
It’s unlikely that you’ll be able to buy an OB/GYN clinic with your own money. You’ll almost certainly need to borrow at least some acquisition finance to make the purchase. The amount you need to borrow and how long it takes to pay back will depend on the value of the gynaecologist practice, your own financial situation and how much value you can add to the business, amongst a whole host of other things. We’ve helped countless gynaecologists raise acquisition finance for a business purchase, we know what they’re really worth, what loan terms suit you and how to get it.
Asset Finance
Equipping and maintaining a gynaecology practice is expensive.Your working capital will usually take less of a hit if you spread the cost out over a loan repayment, rather than one lump sum. With our buying group, the Samera Alliance, we not only help you raise asset finance, we can get you exclusive discounts and offers on your consumables and equipment.
Commercial Mortgages
We were finalists in the NACFB Commercial Mortgage Broker of the Year Awards 2021. Our in-house commercial mortgage brokers are experts at helping gynaecologists purchase the property they need to start or grow their business.
Tax Loans
Instead of saving your income and paying your tax bill in individual lump sums, it is sometimes easier to spread the cost over the year with a tax loan. Our specialist accountants can help reduce your tax bill, while our finance brokers source the money to pay it.
As you start your care home and as one grows, you are most likely going to need to borrow the money to purchase new equipment, to extend a current care home, or to buy more clinics and build a group. No matter what you need it for, we can make sure you get the right finance for your care home business.
When you are seeking a loan to buy, start or grow a care home, banks and lenders will look at your personal finance history to help them ascertain whether you will be a secure and reliable client that can repay the loan.
If you do not currently own a clinic, your personal circumstances are one of the information sources that lenders will have to assess your ability to manage a care home when you acquire one.
Our in-house finance brokers are all former bankers, with extensive experience in the UK’s healthcare lending sector. We know what the banks are looking for, we know how to get your application right and we know how to find the best commercial finance deals out there for care homes.
Apply for Commercial Finance Now
It couldn’t be easier to get your finance application started. You can either book a free, no-obligation consultation with one of our finance brokers, or apply via our website or app.
All you need to do to apply is sign up, provide a few key details and documents and we’ll get to work finding the best deals on the market for you to choose from.
Uros Turcic
Commercial Finance Broker
Speak to an expert
To find out more about what your options are and how we can help you, book a free consultation with Uros – one of our commercial finance brokers specialising in UK healthcare.
Apply on our app for a faster and simplified application process.
Sign Up
Sign up with the Samera Finance app.
Complete Profile
Fill in all of the relevant information.
Get Approved
Get approved with the most competitive interest rates out there.
Download on an Apple device.
What might your repayments look like?
Amount
Term
Interest Rate
2.5%
Monthly Repayments:
£0
Total Cost:
£0
*Calculations are indicative and intended as a guide only.
Based on the average rate of our lowest risk businesses.
Excludes loan origination fee
What will financial lenders look at and assess?
The history of any earnings as a carer.
Management of personal finances.
Living situation of the applicant. Is the accommodation rented or owned?
Career in care and level of management experience.
Ability to repay any loan that is provided.
Any personal savings that are in place. Showing a propensity to save rather than make rash purchases is an indication of being low risk for lending.
Evidence that tax payments are up to date.
The personality and character of the applicant.
To give yourself the best chance of your loan application being successful, contact us today to find out how we can help and make sure you follow the 5 steps below.
Depending on what type of financing you need for your care home, you may need to secure your loan with assets to put up as collateral in case you default on any repayment on your loan.
Our finance brokerage team can advise you at every stage of your application to ensure you understand the process and don’t fall into the many potential pitfalls when raising finance for your care home or business.=
Applying for Finance
Follow these 5 steps before you apply for finance:
Do you have further questions?
If so, please send us a message via our contact form.
Step 1: Review your personal income and expenditure
The first step is to review your personal income and expenditure – look at it from an outside perspective, and consider what others would think about you when looking at your expenditure.
Make sure that you have a breakdown of your debt repayment schedule, showing all your payments, what they are for and who they are going to. Is it all a car loan or made up of some car loan and some professional qualification costs?
Step 2: Obtain your Bank statements and look at your account conduct
The second step is to obtain your bank statements and look at your bank account conduct. Do you stay in credit or within the overdraft limit? Are there any times when your finances get really stretched and if so, can you do anything about this?
Step 3: Obtain your Credit Score
Thirdly, obtain your credit score for free and make sure that it is correct. Check there is nothing on there you were not aware of, as credit scoring companies do often make mistakes.
Step 4: Consider your partner’s financial background
Make sure your partner’s financial health is strong too. If borrowing in joint names you will both have an examination of your financial status.
Step 5: Use an experienced Commercial Finance Broker
Utilise the skills of an experienced commercial finance broker such as Samera to help you raise the finance. Our team are experts in helping care homes get finance and business loans for their care home acquisition.
Our specialist finance brokers will be able to guide you through the process to ensure you put in the strongest application to the banks and lenders to obtain the best available deals on the market.
What finance options are there for care homes?
There are several options out there for care homes looking to raise finance. Which one is best for you will depend on what you need the finance for and your ability to repay it. The loan terms like repayment scheduling, whether it is secured or unsecured and who you borrow from will vary case by case.
Our team can make sure you apply for the right finance for your care home, and that you have the best chance of it being successful when you do.
Acquisition Finance
It’s unlikely that you’ll be able to buy a clinic with your own money. You’ll almost certainly need to borrow at least some acquisition finance to make the purchase. The amount you need to borrow and how long it takes to pay back will depend on the value of the care home, your own financial situation and how much value you can add to the care home, amongst a whole host of other things. We’ve helped countless carers raise acquisition finance for a care home purchase, we know what they’re really worth, what loan terms suit you and how to get it.
Asset Finance
Equipping and maintaining a care home is expensive. Your working capital will usually take less of a hit if you spread the cost out over a loan repayment, rather than one lump sum. With our buying group, the Samera Alliance, we not only help you raise asset finance, we can get you exclusive discounts and offers on your consumables and equipment.
Commercial Mortgages
We were finalists in the NACFB Commercial Mortgage Broker of the Year Awards 2021. Our in-house commercial mortgage brokers are experts at helping carers purchase the property they need to start or grow their business.
Tax Loans
Instead of saving your income and paying your tax bill in individual lump sums, it is sometimes easier to spread the cost over the year with a tax loan. Our specialist accountants can help reduce your tax bill, while our finance brokers source the money to pay it.
As a firm of specialist accountants for dentists, dental practices and dental groups, we are experts at processing the payroll and pensions for dental practice owners and their employees.
When you go digital and automate your finances, you save time, money and effort, whilst also keeping your important documents and information safe, secure and updated in real-time.
Mountains of paperwork, sending endless forms back and forth, chasing each other down for invoices or statements, those are things of the past. Now is the time for automating your financial processes in your business. It’s not just timely, it’s essential.
At Samera we use BrightPay payroll software which is an efficient, technologically advanced payroll software.
Our payroll services allow for a seamless solution for all your payroll issues, no matter where in the world our staff or your staff is located. The BrightPay software our trained professionals use allows both you and our payroll experts to access the highly secure data and allows access to employer files for all individuals who need it.
Samera have been my accountant for 7 years and have continued to provide me with accurate accounts and timely submissions. Their digital workflow eases the management of receipts and filing. I have found them to be supportive and knowledgeable particularly during the recent crisis. Thank you.
Five stars
Benefits of Samera Payroll
Your payroll is secure
All our payroll data is automatically backed up online every fifteen minutes, as well as every time an employer file is closed to ensure that no data is ever lost.
Samera ensures that any updates will be reviewed and checked before it is automatically updated. All users will automatically check to see any updated versions of the file. This ensures that if you, or anyone on your team, has made any changes, our team will be able to see, review and download the latest version you have edited and review it for you.
We give our clients access to their own online employer portal. This service allows us to ensure the smoothest payroll process for you, while also allowing you to oversee everything that is happening on our end. This also allows you to easily give us all the information straight from your side through our software. You don’t need to hound your accountants or need to be hounded for paperwork by your accountant! Our software allows a seamless process for all parties from start to finish.
By using Samera’s payroll services, we have equal online access to payroll data as well as you. We operate all of our clients’ accounts while each employer has their own online employer portal, which means that you can directly take care of any request yourself.
With Samera you are able to send a ‘Payroll Entry Request’ where you will be asked to confirm employees’ payments for that pay period. If needed, we can quickly and easily enter details of any changes for that pay period, such as new starter details or adding bonus pay for an employee.
With various employees on your payroll, most of whom are bound to work variable hours, you have the option to upload their specific timesheets to your secure online portal. This ensures that we get the correct information directly from you. This function also serves as a great reminder to easily update payroll information that might have otherwise been forgotten.
The measures we have put in place works efficiently for both parties. It is a direct method of sending, receiving, and storing payroll data leaving those endless back and forth emails to finalise payroll redundant. It is important to note that once we have reviewed the information you have submitted, it is automatically stored on the payroll software, therefore reducing the risk of any errors being made.
Covid-19 has, undoubtedly, brought about many changes to the workplace. Of course, it is a lot easier to manage a team of people when they are all working similar hours in the same location; however, that is not always the default case anymore. While remote working has its advantages, it has also proven to bring about many challenges for employers and employees both, which is where Samera’s services come in.
Businesses have to quickly learn and evolve their businesses to work with the new normal. This is why Samera has introduced BrightPay to all our clients in order to help clients manage staff while working from remote locations and different schedules. This is a great opportunity for you and your business. Our services work efficiently and in turn, help your business run as efficiently as possible without any time-consuming conversations, paperwork or mistakes happening along the way.
An employee app that can also help you manage your employees as well as giving them access to an employer portal, employees can also be invited to their own employee portal that can help your employees with adjusting to remote and flexible working.
Through this app you can:
Share important documents. The app will monitor who has opened and read these documents.
Approve any personal detail changes of employees.
Approve or deny any annual leave requests (requested easily through the app as well).
You and your employees are able to access a real time company-wide calendar.
Any changes that are made to the payroll data through the app are automatically synchronised with BrightPay Connect as well as BightPay payroll. Any adjustments are able to be made easily by you or any employees and all functions can be performed from any device at any location, making remote working efficient as possible.
With Samera you are able to visit your online payroll portal data anytime, anywhere. All you need to do is log into your employer portal at any time, in any place. Log in from any smartphone, tablet device, laptop or computer. After this you are able to:
View all your employee’s current and past payslips
Our system ensures that we are able to do our job for you as seamlessly as possible, while you can access any information you need easily and securely. We believe this process does not need to be a lengthy or tiresome process, for us or any of our clients. Having quick and easy access to these functions not only relieves stress but also saves a lot of time retrieving, asking and forwarding the necessary information between parties.
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
Making Tax Digital is the UK Government’s initiative to “make it easier for individuals and businesses to get their tax right and keep on top of their affairs.”
The goal is to make the UK’s tax infrastructure as digital as possible. It is hoped that this will make HMRC’s tax system more efficient, effective and easier to use and navigate for businesses.
In this webinar hosted with the British Dental Association, Arun and Natasha explain everything you need to know about the upcoming changes.
Making Tax Digital entails swapping your accounts and tax from paper records to online, digital records. The idea is for as many businesses and sole traders as possible to go completely paperless with their accounts and tax.
Making Tax Digital is split into the following phases:
Public Testing of Making Tax Digital for Income Tax (April 2025).
Making Tax Digital for Income Tax Self-Assessment goes live from April 2028 for individuals with qualifying earnings Over £20k.
Making Tax Digital for Income Tax Self-Assessment goes live from April 2026 for individuals with qualifying earnings Over £50K.
Making Tax Digital for Income Tax Self-Assessment goes live from April 2027 for individuals with qualifying earnings Over £30k.
So, how will Making Tax Digital affect dentists?
Samera have been my accountant for 7 years and have continued to provide me with accurate accounts and timely submissions. Their digital workflow eases the management of receipts and filing. I have found them to be supportive and knowledgeable particularly during the recent crisis. Thank you.
On 6th April 2026 Self Assessment tax payers will need to abide by the Making Tax Digital for Income Tax regulations.
These new regulations in 2026 will only apply to Self Assessment taxpayers who file a taxable income above £50,000 a year. As an Associate dentist, you almost certainly will.
From 6th April 2026, you will have to use digital software to hold and process digital records of your accounts and tax. Paper records of your accounts and tax will no longer be allowed by law. A public testing of this commences from April 2025.
The software you use to hold and process your digital records must be Making Tax Digital compliant.
Your Self Assessment tax return will also change. You will instead be required to submit 5 reports throughout the year. These are, 4 quarterly summaries of your accounts, as well as an end-of-year report.
The dates you will be required to submit these returns are:
7th August
7th November
7th February
7th May
The end of year return must be filed by 31st January after each relevant tax year. Your tax bill will also need to be paid by 31st January following the relevant year, but you will be able to make tax payments throughout the year if you wish.
Currently MTD will apply to practices that trade as sole traders and earn over £50k from April 2026. Again we are recommending our clients enter the public trial and we will be implementing this with our client base. This is subject to eligibility so check with us or HMRC.
You can sign up to the scheme early voluntarily, no matter your taxable turnover. This may be worth doing, in only to give yourself more time to get used to the new process.
It is also required that your practice uses digital accounting software that is compliant with Making Tax Digital, such as Xero. You will need to keep your digital records for 6 years.
At Samera we no longer accept paper records for our accountancy clients. All accountancy and tax records need to be in digital format.
We only use software that is compliant with the Making Tax Digital scheme. We are a Xero Gold Partner and have been pioneering digital accountancy for dentists for years.
When you go digital with our dental accountants, your accounts and tax are received, processed and stored safely, securely and easily.
All you need to do is scan your receipts and invoices, upload them to Hubdoc and we will do the rest!
The process is quick, simple and safe – which means you save time, effort and money.
Our Packages
MTD ITSA Compliance Package Details
For individual dentists operating as associates, our pricing is tailored based on your annual turnover and the level of service required.
Below are the comprehensive inclusions in your package:
Quarterly digital records keeping and Preparation of MTD Reports Ensuring compliance with MTD requirements.
Submission of MTD reports to HMRC Filing quarterly MTD Reports to HMRC.
Annual Adjustment and Declaration of Returns Ensuring all necessary adjustments are made and returns are accurately declared.
Annual Self-Assessment Tax Return Preparation and submission of your annual tax return.
MTD Software Subscription Access to MTD-compliant accounting software.
Email Support Assistance with queries related to your tax obligations.
HMRC Compliance Guidance Expert advice to help you remain fully compliant.
Dedicated Dental Tax Accountant Specialist support tailored for dental professionals.
Initial Set-Up & Onboarding Complete support with setting you up for MTD, including software setup, HMRC registration, and onboarding you into the system.
Making Tax Digital FAQs
What is Making Tax Digital (MTD)?
MTD is a government initiative aimed at modernizing the UK tax system. It requires certain individuals, including self-employed dentists and property landlords, to:
Submit tax updates to HMRC using compatible software.
Keep digital records.
Does MTD apply to dentists?
Yes, if you’re a self-employed dentist or a landlord earning above the MTD thresholds, you will need to comply.
However, NHS-employed dentists may not need to comply unless they also have private practice or property rental income above the threshold.
What are the income thresholds for MTD ITSA?
April 2026: Gross income from self-employment or property over £50,000.
April 2027: Gross income over £30,000.
April 2028: Gross income over £20,000.
What do dentists need to do to comply with MTD ITSA?
Digital Record-Keeping:
Use MTD-compatible software to keep records of all income and expenses.
Ensure this software can interact with HMRC’s system.
Quarterly Updates:
Submit income and expense updates every 3 months through the software.
End-of-Year Finalization:
At the end of the tax year, submit a final declaration confirming your tax position.
What software do dentists need for MTD?
You must use MTD-compatible software or spreadsheets linked to HMRC systems. Common software for dentists includes:
QuickBooks
Xero
FreeAgent
Check that your software can handle MTD ITSA requirements.
Are there exemptions for dentists?
Dentists may qualify for exemptions if:
It’s not reasonably practical to use digital tools (e.g., age, disability, or remote working conditions).
HMRC grants a specific exemption.
You can apply for an exemption by contacting HMRC.
What happens if dentists don’t comply with MTD?
Failure to comply can result in:
Interest on underpaid taxes due to non-compliance.
Penalties for late or missed submissions.
How can dentists prepare for MTD ITSA?
Review Income Sources: Check if your total gross income exceeds the threshold.
Upgrade Your Systems: Invest in MTD-compatible software.
Work With an Samera: We specialise in accounts and tax regulations for dentists. Book a free consultation with our team to find out how we can help you prepare.
What is the timeline for submitting MTD ITSA returns?
Quarterly submissions:
Q1 (April–June) updates are due on 7th August.
Q2 (July–September ) updates are due on 7th November.
Q3 (October–December) updates are due on 7th February.
Q4 (January–March) updates are due on 7th May.
Final Declaration:
Due by the following January (e.g., for 2026–27, due January 31, 2028).
Do dentists with rental property income need to include that in MTD ITSA?
Yes. If your gross rental income combined with self-employment income exceeds the threshold, you must report both under MTD ITSA.
How is other income reported under MTD ITSA?
Income from employment, pensions, or investments is not reported quarterly to HMRC under MTD ITSA.
It is reported annually as part of the finalization process, similar to the current self-assessment tax return.
Ways to report other income under MTD ITSA:
Using HMRC’s new online interface being developed to replace the current self-assessment system.
Using MTD ITSA software with additional functionality for other income.
Using other tax software (e.g., upgraded commercial self-assessment software).
What happens if your turnover/gross income drops below the threshold?
Once an individual is mandated into MTD for ITSA, they will only opt out if their qualifying income falls below the £20,000 threshold for three consecutive tax years (based on filed tax returns, or quarterly updates where the deadline has not yet passed for filing the return for a year).
Dental Accounts & Tax Specialists
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
When your business purchases or develops a commercial property in Buckinghamshire, it will most likely cost more than your working capital will allow. When this happens, you may need to raise commercial property finance to cover it.
Commercial Mortgages in Buckinghamshire
Commercial mortgages are used by businesses and sole traders to finance the purchase of a property that will be used solely for business purposes (this includes property attached to a clinic that can be rented out). They are essentially the same as residential mortgages, the main difference being the intended purpose of the property – whether it be business or residential.
Although you may find it easier or even cheaper to rent a property, taking out a residential mortgage allows you to cover the rent whilst also affording you the opportunity for your business to own a valuable asset outright at the end of the payment schedule. An asset you may be able to sell on for a decent profit.
Although the terms and conditions will vary from business to business and lender to lender, you may be able to finance 100% of the purchase.
When you purchase a property at an auction, payment is usually expected within 28 days, which is quicker than most businesses can raise finance on their own. Luckily, there are commercial finance lenders in Buckinghamshire who specialise in auction finance. You will be able to raise and pay the mortgage far quicker by using auction finance.
However, the interest rates will be much higher. This is because the loan terms are far shorter, affording the lender less time to make profit on the interest payments. It is common for business owners who use auction finance to remortgage onto a commercial mortgage eventually.
Bridging Finance in Buckinghamshire
Bridging finance covers short-term costs relating to building and development and is used when your working capital cannot meet the price. Usually, this type of property finance runs for 3-24 months with interest charged on a monthly basis.
Bridging finance is often used to cover the funding gap where a property has been purchased and the mortgage is not in place.
Development finance covers both land purchase and building costs. A lender will look to finance a percentage of the land purchase and the building costs.
The Gross Development Value (GDV) will show the return on the project at the end of the development, whether it is a refurbishment of an existing property or a full build of a property from an empty piece of land. Lenders are repaid from the first properties sold.
You need to assess your project as to costs, land purchase/build costs/sale costs in best and worst scenarios. You then need to find the right finance to take the project forward at the outset.
When you purchase or develop a commercial property in Hertfordshire, it can sometimes be more expensive than your working capital can handle. When this happens, you’ll need to raise commercial property finance to cover it.
Commercial Mortgages in Hertfordshire
Commercial mortgages are used by businesses and sole traders to finance the purchase of a property that will be used solely for business purposes (this includes property attached to a clinic that can be rented out). They are essentially the same as residential mortgages, the main difference being the intended purpose of the property – whether it be business or residential.
Although you may find it easier or even cheaper to rent a property, taking out a residential mortgage allows you to cover the rent whilst also affording you the opportunity for your business to own a valuable asset outright at the end of the payment schedule. An asset you may be able to sell on for a decent profit.
Although the terms and conditions will vary from business to business and lender to lender, you may be able to finance 100% of the purchase.
When you purchase a property at an auction, payment is usually expected within 28 days. Luckily, there are commercial finance lenders in Hertfordshire who specialise in auction finance. You will be able to raise and pay the mortgage far quicker using auction finance.
However, the interest rates will be much higher. This is because the loan terms are far shorter, affording the lender less time to make profit on the interest payments. It is common for business owners who use auction finance to remortgage onto a commercial mortgage eventually.
Bridging Finance in Hertfordshire
Bridging finance covers short-term costs relating to building and development and is used when your working capital cannot meet the price. Usually, this type of property finance runs for 3-24 months with interest charged on a monthly basis.
Bridging finance is often used to cover the funding gap where a property has been purchased and the mortgage is not in place.
Development finance is the money borrowed to cover the development of land or property. This can cover building a new structure on land, or refurbishing and developing an existing property.
The value of the project is shown via the Gross Development Value (GDV), and this metric, minus the associated costs, will determine your profit at the end of the project.
It is essential that your financial and project forecasts are well thought out, taking into account the cost of the land, the cost of tools and equipment, transaction fees and much more.
Commercial mortgages are used by businesses and sole traders to finance the purchase of a property that will be used solely for business purposes (this includes property attached to a clinic that can be rented out). They are essentially the same as residential mortgages, the main difference being the intended purpose of the property – whether it be business or residential.
Although you may find it easier or even cheaper to rent a property, taking out a residential mortgage allows you to cover the rent whilst also affording you the opportunity for your business to own a valuable asset outright at the end of the payment schedule. An asset you may be able to sell on for a decent profit.
Although the terms and conditions will vary from business to business and lender to lender, you may be able to finance 100% of the purchase.
When you purchase a property at an auction, payment will usually be expected within 28 days. Since it is quite rare for small to medium businesses to have that much ready cash to hand, there are several options and various lenders in Surrey who specialise in auction finance. Although auction finance is far quicker to raise than a conventional mortgage, the interest rates will be higher, since the repayment schedule is on a short-term basis.
It is common for businesses to remortgage this finance onto an ordinary commercial mortgage.
Bridging Finance in Surrey
Bridging finance, as the name suggests, is used to bridge a short financial gap in a business’s working capital. It is often used to cover purchasing a property or building and development costs, when your working capital can’t cover it.
Bridging finance is usually borrowed on terms running from 3-24 months and you will be expected to make monthly repayments.
Development finance is the money borrowed to cover the development of land or property. This can cover building a new structure on land, or refurbishing and developing an existing property.
The value of the project is shown via the Gross Development Value (GDV), and this metric, minus the associated costs, will determine your profit at the end of the project.
It is essential that your financial and project forecasts are well thought out, taking into account the cost of the land, the cost of tools and equipment, transaction fees and much more.
When you purchase or develop a commercial property in Essex, it can sometimes be more expensive than your working capital can handle. When this happens, you may need to raise commercial property finance to cover it.
Commercial Mortgages in Essex
Commercial mortgages are used by businesses and sole traders to finance the purchase of a property that will be used solely for business purposes (this includes property attached to a clinic that can be rented out). They are essentially the same as residential mortgages, the main difference being the intended purpose of the property – whether it be business or residential.
Although you may find it easier or even cheaper to rent a property, taking out a residential mortgage allows you to cover the rent whilst also affording you the opportunity for your business to own a valuable asset outright at the end of the payment schedule. An asset you may be able to sell on for a decent profit.
Although the terms and conditions will vary from business to business and lender to lender, you may be able to finance 100% of the purchase.
When you purchase a property at an auction, payment is usually expected within 28 days, which is quicker than most businesses can raise finance on their own. Luckily, there are commercial finance lenders in Essex who specialise in auction finance. You will be able to raise and pay the mortgage far quicker by using auction finance.
However, the interest rates will be much higher. This is because the loan terms are far shorter, affording the lender less time to make profit on the interest payments. It is common for business owners who use auction finance to remortgage onto a commercial mortgage eventually.
Bridging Finance in Essex
Bridging finance covers short-term costs relating to building and development and is used when your working capital cannot meet the price. Usually, this type of property finance runs for 3-24 months with interest charged on a monthly basis.
Bridging finance is often used to cover the funding gap where a property has been purchased and the mortgage is not in place.
Development finance covers both land purchase and building costs. A lender will look to finance a percentage of the land purchase and the building costs.
The Gross Development Value (GDV) will show the return on the project at the end of the development, whether it is a refurbishment of an existing property or a full build of a property from an empty piece of land. Lenders are repaid from the first properties sold.
You need to assess your project as to costs, land purchase/build costs/sale costs in best and worst scenarios. You then need to find the right finance to take the project forward at the outset.
There are a few different solutions available to you if you’re thinking about taking out a commercial property mortgage in Kent.
Commercial Mortgages in Kent
A commercial mortgage works similarly to an ordinary residential mortgage, allowing you to purchase the premises for a clinic, surgery, office or warehouse etc, while spreading the cost over several years.
The greatest advantage in taking out a commercial mortgage to finance your business’s property is that you will own the property asset outright once the mortgage is paid. Instead of paying through the nose for rent, you’re paying for an asset you will own yourself.
In some cases, if you have a strong credit, a good trading record and added security for the loan, you may be able to obtain the full 100% finance.
When you purchase a property at an auction, you usually have to pay within 28 days. Luckily, there are commercial finance lenders in Kent who specialise in auction finance. You will be able to raise and pay the mortgage far quicker.
However, the interest rates will be much higher. This is because the loan terms are far shorter, affording the lender less time to make profit on the interest payments. It is common for business owners who use auction finance to remortgage onto a commercial mortgage eventually.
Bridging Finance in Kent
Bridging finance is used to bridge a short-term gap between needing the finance to cover building and development expenses and making the payment. Bridging finance terms are usually spread over 3-24 months, with monthly payments.
For example, bridging finance is usually used to cover the time between a property being purchased and the mortgage being agreed upon.
Development finance is used to fund purchasing land and building or refurbishing a premises upon it. You will be able to borrow money against the value of the land and the cost of building.
The value of the project at the end of the development is called the Gross Development Value (GDV) and is one of the factors that lenders will use to assess the amount you will be able to borrow.
You, the developer, will need to understand and accurately predict the building costs, land purchase costs and transaction costs to determine the amount and type of finance you’ll need to complete the project.
Become a Samera Alliance partner to join one of the UK’s fastest-growing dental buying groups.
The Samera Alliance brings dental practices together with the leading suppliers, contractors and consultants in the UK’s dental sector.
Access a ready-made market, generate more leads and increase your sales by joining the Samera Alliance.
Why should you partner with the Samera Alliance?
We have been working with the UK’s dentists for over 20 years. We have built an extensive network of contacts and close relationships with dentists all the way from associates to large dental groups.
We are one of the leading names in UK dental practice sales and management. Through our Dental Practice Start-up Programme and our Buyers Advisory Service, we can connect you with dental practices right at the start of their journey. By making that contact early, you can get in on the ground floor and build a fruitful partnership with practices for their entire span.
Through Samera Finance, our commercial finance broker team, you’ll also be put in contact with leads who are looking for the funds to purchase products and services just like yours right now.
The Samera Alliance is your direct link to dentists.
Samera Finance are experts at sourcing finance for businesses all across the UK’s health sector. From assets to acquisitions, we help our clients source the funding they need to start, build and grow their businesses.
When your clients need extra funding, we source the best deal from across the UK’s lending market at no cost to the client!
Why waste time and money on a lead who cannot afford your products in the end?
Why waste time and money waiting for the client to source their own finance?
Why not work with Samera Finance to make sure your clients get the funding they need to purchase your services quickly and comfortably?
Why should you partner with Samera Finance?
Our team are former bankers with a wealth of experience and a wide-ranging network within the UK’s healthcare lending industry. We’ve been helping the UK’s medical health professionals finance their businesses for 20 years.
Not only do we know finance, we know healthcare too.
We understand your clients’ financial needs and we understand their industry requirements.
Not only do we help find the best finance solutions for your clients, we also support them in the application process. This helps ensure they get the funding they need, when they need it. Which in turn means you make the sale you need, when you need it.
Setting your fees correctly is so important in running a dental practice. Whilst you want to be compensated for your hard work and skills, it’s also essential you don’t price yourself out of the market and remain excellent value to the patients you serve.
I wish other companies could replicate this level of customer service
Five stars
All too often we have seen dentists price their services based on local competition and then pray and hope that the fees are ok. But sometimes, the fee charged may not even cover the basic overheads of a business.
Our approach to pricing your dental services is analytical and thorough, ensuring you price your services profitably and effectively.
If you wish us to help you price your dental services, please get in touch.
The process involves us obtaining a list of all the treatments you currently provide, and the quantity delivered over the course of last 12 months. In addition to this we require details of the approximate time frame it takes to complete each treatment.
We then use financial data from you accounting records to work out the break even point per hour for your surgery. By using this information, we can highlight which treatments are being provided at low margins or a loss-making exercise. We will need a competitor analysis, which we can update if not most recent to then suggest at what rate the treatments will become profitable and remain competitive in comparison to the competition.
We will then calculate the revenue growth you will achieve with these new prices, for example a £10 increase in a treatment that remains competitive, which has been delivered 600 times over the course of a year will generate approx. £6,000 in revenue based on new pricing. Similarly, a treatment which is not breaking even per hour of the same nature would be costing you £6,000 annually which is a reduction in profit for the surgery.
You can then use this information to potentially consider other options such as offering surgery subscription plans to tie in the patients for reoccurring treatment plans and build a constant stream of revenue.
Dental Accounts & Tax Specialists
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
At Samera, we provide cyber security services, focusing on endpoint protection and backups to ensure your organisation’s critical assets and confidential data are safeguarded against evolving cyber threats.
Our services encompass cutting-edge offensive and defensive technologies, providing a robust shield against cyberattacks. We offer tailored solutions that proactively protect and respond to cyber incidents, minimizing impact and securing your digital infrastructure. Join us in creating a resilient cyber defense posture to keep your business secure.
Our cyber security solutions: Backup Basic ensures peace of mind with automatic data backups, while Cyber Basic adds integrated endpoint protection to safeguard critical patient information; additionally, our add-on services provide flexibility and enhanced security with options like 50GB Additional Backup and MS365 Backup.
Our Cyber Security Services
Backup Basic:
Safeguard your valuable data effortlessly with our simple yet reliable solution that automatically backs up your vital information.
Cyber Basic:
Elevate your business’s defense against external threats with our advanced endpoint protection. Benefit from thorough computer scans to ensure comprehensive security measures.
MS365 Backup:
Seamlessly back up your Microsoft 365 OneDrive and Outlook accounts with our integrated solution, providing peace of mind and streamlined data management.
50GB Additional Backup:
Expand your storage capacity to accommodate your business’s expanding needs, ensuring ample space for your growing data requirements.
Pricing and Features
Backup Basic
120GB Backup
Automatic data backups.
Safeguard critical patient information and records.
Peace of mind with dependable data protection.
Cyber Basic
120GB Backup
Automatic data backups.
Safeguard critical patient information and records.
Peace of mind with dependable data protection.
Integrated Endpoint Protection
Defense against malware, viruses, and cyber threats.
Ensure the security of patient data.
Add-On Services
50GB Additional Backup
Extend your data protection capabilities.
Perfect for healthcare facilities with growing data needs.
MS365 Backup
Secure Microsoft 365 applications and patient-related communication.
Why is backing up your data important?
Backing up your computers is crucial, especially in the healthcare industry. Automatic data backups ensure that your vital patient information and critical records are protected against data loss due to hardware failures, cyberattacks, or natural disasters. With our reliable backup solutions, you can swiftly restore your data, maintaining continuity in patient care and compliance with data protection regulations.
Why do you need endpoint protection?
Endpoint protection is essential for safeguarding your network against external threats in the healthcare sector. With patient information being highly sensitive, endpoint protection ensures continuous monitoring and protection of all devices connected to your network, preventing unauthorized access and protecting patient data from compromise. Our comprehensive security measures are critical in maintaining the integrity and confidentiality of patient information, adhering to healthcare data protection standards.
Ready to take the first step towards fortifying your cyber defense? Contact us today to schedule a consultation. Together, we’ll assess your organization’s unique needs and develop a customized plan of action to safeguard your digital assets and protect your business from cyber threats.
Are you a dentist looking for commercial finance to start, buy, or grow your dental practice? At Samera Finance, we specialise in helping dentists secure the right business loans on the best terms.
20+ Years Experience
100’s of Dentists Helped
Over £100 Mil Raised
We have been helping the UK’s dentists raise and manage finance for over 20 years. Our team of experienced finance brokers understand the UK dental sector inside and out. We use that expertise to work with lenders across the whole UK market and make sure you find a finance deal that works for you.
Getting started is simple. Share a few details with us and, once approved, we’ll source the most suitable funding packages for your practice. The process is quick, secure, and designed to make the process easy.
Apply for Commercial Finance Now
It couldn’t be easier to get your finance application started. You can either book a free, no-obligation consultation with one of our finance brokers, or apply via our website or app.
All you need to do to apply is sign up, provide a few key details and documents and we’ll get to work finding the best deals on the market for you to choose from.
Uros Turcic
Commercial Finance Broker
Speak to an expert
To find out more about what your options are and how we can help you, book a free consultation with Uros – one of our commercial finance brokers specialising in UK dentists.
*Calculations are indicative and intended as a guide only.
Based on the average rate of our lowest risk businesses.
Excludes loan origination fee
What We Can Help Dentists Raise Finance For
No matter what you need finance for, we can help find the deal that suits you. From acquisition and start-up finance to asset finance and tax loans. Our FCA-authorised finance brokers specialise in securing the best terms available on the market
It’s unlikely that you’ll be able to buy a dental practice with your own money. You’ll almost certainly need to borrow at least some acquisition finance to make the purchase. The amount you need to borrow and how long it takes to pay back will depend on the value of the dental practice, your own financial situation and how much value you can add to the dental practice, among a whole host of other things.
We tend to review our car and house insurance costs on a regular basis but seldom look at the costs of our borrowing. The rate you are currently on may not be the best deal available. By reviewing and refinancing your loans you may be able to save yourself thousands in monthly payments and the total value of the loan.
We were shortlisted for Commercial Finance Broker of the Year 2021 and 2022 by the NACFB. Our in-house commercial mortgage brokers are experts at helping dentists purchase the property they need to start or grow their dental business.
Equipping and maintaining a dental practice is expensive. Your working capital will usually take less of a hit if you spread the cost out over a loan repayment, rather than one lump sum. We can help find you the best price and the right terms for your business. We do not charge you for sourcing asset finance and our buying group gives you access to exclusive deals on equipment.
Tax loans can be obtained to repay tax liabilities where profits have increased or the money set aside has had to be used for something else. Instead of saving your income and paying your tax bill in individual lump sums, it is sometimes easier to spread the cost over the year with a tax loan. Our specialist dental accountants can help reduce your tax bill, while our finance brokers source the money to pay it.
Dental practice merger decisions can be intimidating and perplexing. It might seem like a good deal, but without a proper assessment of the proposition, you might be inviting trouble. Therefore, it’s essential you obtain specialist help in this area. We can help both with the valuation and financing.
It is essential to get an expert to look at the financial health of your business periodically. Just like with your patients, sometimes there will be little financial aches and pains in your business. Sometimes there will even be bigger, hidden problems that are just waiting to get worse.
Starting your own practice can often be cheaper than buying an existing one. Of course, it comes will a whole range of other associated costs. From purchasing the space and the land to equipping the practice and hiring staff. If you want to start your very own practice, we can help find the finance you’ll need to do it.
Apply for Dental Practice Finance in 5 Quick Steps
In these 5 quick and easy steps, you can find out what your options are, how much it will cost and which finance deal is right for you.
1
Book Your Free Consultation
Talk to our team about what you’re looking to finance – whether it’s buying a practice, purchasing equipment, refurbishing a practice or covering cash flow. We’ll help you figure out what your options are.
2
Sign Up on the Samera Finance App
Create your profile and start your application journey. The process is quick and easy. The app keeps everything organised and secure, making it easy to manage your progress.
3
Gather Your Paperwork
We’ll guide you through what’s needed – usually things like accounts, bank statements, and ID. Simple and checklist-driven.
4
Submit Everything in One Place
Upload your documents directly through the app – no printing or email chains required.
5
Choose the Right Funding Option
We’ll get to work searching the market and present the most suitable offers. You decide which one best fits your goals and budget.
Why Dentists Choose Samera Finance Brokers
We are one of the UK’s most trusted commercial finance brokers and we specialise entirely in the dental finance sector.
We know exactly what the banks want to see in an application, we know when a deal is too good to be true and we know when a deal can be beaten.
Being an independent broker, we approach a wide range of banks and alternative lenders to ensure we find a deal that most benefits your business.
Over £100 million raised in dental practice finance
Hundreds of dentists successfully supported
FCA-authorised and NACFB member
Shortlisted for NACFB Commercial Mortgage Broker of the Year 2021 and 2022
Strong relationships with all major healthcare lenders
Streamlined process via the Samera Finance App
Client Testimonials
“It took only days to get the finance in place and furthermore … has 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!”
I would give him 10 stars if I could. Very knowledgeable and helpful throughout the whole process. Stress free from beginning to end. I would Highly recommend him to anyone.
Originally recommended by a close friend for commercial finance but ended up helping will 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 he was available around the clock. Thoroughly appreciate having honest expert advice in what typically is your most expensive purchase.
An absolute pleasure. His extensive industry connections enable him to find the best deals available, and his responsiveness and approachability make the entire process seamless. Highly recommended for anyone in need of a reliable finance broker!
I can’t thank … enough for helping me get a good deal on a mortgage for my second dental practice. He has been so patient with me. And he’s always been available for chat when I needed one.
“Very quick to get me the finance I had struggled for several years to get. I will definitely be using this service again in the future!”
“Great service, really paid attention to our needs and offered us the appropriate advice. In particular we were impressed with the time, dedication and focus given to help us finance our acquisition of a dental practice with good rates. We also managed to stay in communication during unsociable hours which really made the process convenient for us. Very helpful.”
Our Recent Deals
Who We Work With
We are an independent commercial finance broker. We work solely for you and are not tied to any lenders. Our extensive network in the UK’s lending sector lets us shop around the entire industry to find you the best options.
If so, please send us a message via our contact form.
How do I apply?
All you need to do is sign up and fill in the required forms. The process is quick, streamlined and only takes a matter of minutes. Once we have assessed and approved your application we will get to work sourcing the best business loan for you.
What different kinds of business loans are there for dentists?
There are several different forms of finance available to you. Which business loan is right will depend on factors such as what you need the loan for and your ability to repay it.
These are some of the different options available to you:
Acquisition finance:
Acquisition finance funds the purchase of an existing business or shares in a business. Whether you want to buy your first dental practice, buy shares in an existing practice or buy a second practice t o start a dental group, you will most likely need to borrow acquisition finance.
Asset finance:
Asset finance is used to purchase equipment for a dental practice. You can use it to finance dental chairs, scanners, CBCT machines etc. Any equipment you need to run your practice can be funded with asset finance – even your car!
Refinancing:
Sometimes you can get more favourable terms on your loans by refinancing the debt. This means that you can renegotiate factors such as the interest rate or the payment schedule by taking out a new loan with better terms to cover the old one.
Commercial mortgages:
A commercial mortgage is simply a mortgage used to purchase a commercial property, like the site for a new squat dental clinic or a new premises for your expanding practice. Commercial mortgages can be repaid over 15/20/25 years and allow you to spread your payments over the life of the business.
Tax loans:
Sometimes, an unexpectedly heavy tax bill can create a huge hit in your working capital. When this happens, it can be better to spread the cost of your tax bill over the year with a tax loan. This loan covers the immediate bill and allows you to pay in smaller, monthly instalments.
Working capital and cash flow loans:
When your working capital takes a hit, your cash flow can be reduced drastically. When you have to dip into your working capital for an unexpected purchase, it may be best to borrow the money instead. This way you can spread the cost across the year, rather than taking it all out of the working capital in one go.
How does taking out a business loan work?
When you take out a business loan, you borrow the money in a lump sum and pay it back in installments (plus interest payments). This allows you to make purchases you otherwise would not be able to afford, and also spread that cost over a longer period of time.
Loans are usually either paid back over a short term (2 years or less) or long term (3 years or over).
You also have the option in many cases to borrow a secured or unsecured loan. A secured loan is one which you guarantee with collateral. What this means is that you borrow the money against the value of an asset the business owns, such as a property.
If you fail to repay the loan the lender will take the asset to recoup their loss. An unsecured loan does not require collateral, however, they usually come with less favourable terms. This is because the risk to the lender is greater.
Am I eligible for a business loan?
To find out if you are eligible to take out a business loan, simply click ‘apply now’, fill in a few forms and we’ll let you know how much you could possibly borrow. Any loan is, of course, dependent on the business having the ability to meet the payments
Lenders, such as the banks, like lending to healthcare businesses like dentists. Get your applications, your financial forecasts and your business plan right and we can help you find the right business loan for your business.
What information will I need to provide to the lender?
Lenders will want to see a range of information and documentation. It is essential that you get this step correct. The lenders will reject your application if the projections are wrong, the business plan is poorly done, you have a poor financial record, and that’s just a few reasons.
The banks will want you to be able to provide evidence of:
Your previous earnings in your healthcare field.
How you handle personal finances.
Your living situation, whether you own or rent your home.
Career in healthcare so far and any management experience.
I’ve been denied a healthcare business loan before, can I still apply?
Yes, even if you have been denied before we can still help you.
If you have had a business loan application rejected in the recent past, you may need to improve your credit rating and financial standing before you can reapply.
Or, it may be that you were not talking to the right people! You may need to approach alternative lenders or adjust your application and business plan.
Contact us today to find out how to improve your chances of applying for a business loan.
How easy is it to take out a business loan as a dentist?
Applying for a business loan is not always an easy business. Even when it is, there’s no guarantee that the loan you take out is the best available.
To make the process easier, increase your chances of a successful application and ensure you get the best deal around, we have created the Samera Finance app.
We have been working in the healthcare finance market for decades. We know how to format your application, who to approach and how to negotiate the best deal, thanks to our extensive experience and contacts.
Applying for a business loan for your dental business is easy when you use Samera Finance to do the hard work for you.
How much can I borrow for my dental business?
The amount you can borrow will depend on a wide range of factors. These include your ability to repay the loan, what you intend to use the money for and your current financial situation.
Samera Finance can help source loans to cover small purchases for consumables and small assets, as well as larger loans to purchase property or another business.
Use our finance calculator above to see how much you can borrow.
What information will I have to provide when I apply?
The information we require will vary case by case, depending on what kind of loan you need and what you intend to use it for.
This is a basic list of the kind of information we will require:
Personal
Personal Profile Form – details income and expenditure
Personal Banks Statements – last 6 months
Last 3 years associate accounts
CV
Business
Last 3 years practice accounts
Practice Management information – if available
Practice sales particulars
Business plan
Projections may be required
What is the interest rate for a business loan?
The interest rate you get will vary case by case. It depends on what you borrowed money for, who you borrowed from and the terms of your loan.
For instance, the average interest rate for an acquisition loan to buy a dental practice is typically around 2% – 3% above base rate. But the rate for a start up loan for a squat dental practice may be closer to 4% – 5% above base rate.
However, Samera Finance can help negotiate the interest rate to make sure you get the best price available.
How soon will I need to start repaying the loan?
When you need to begin repaying your business loan will depend on the terms of your loan agreement.
In many cases, you will need to start repaying the next month after receiving the money.
However, we may also be able to negotiate a repayment holiday, where you have a grace period of around 6-12 months before you need to begin repayment.
How long will I be repaying my business loan?
The payment schedule for your loan is known as the term length. The term length will depend on what you negotiate in the application, as well as the kind of loan you are borrowing.
Some loans, such as bridging loans, are repaid within 12 months. Other short term loans will be repaid within 2 years. Long term loans over a period of longer than 3 years.
Remember that it is often the case that the longer the term length, the lower the interest rate you will pay.
What is a fixed interest rate loan?
A fixed interest rate means that the interest rate will remain the same throughout agreed period of the fixed-rate repayment schedule.
Therefore, if the Bank of England base rate rises, your payments will not be affected – since your interest rates are fixed. This means you can more easily budget your cash flow, knowing these payments remain fixed.
However, this does also mean that your interest rates will remain the same if the Bank of England base rate falls.
What is a variable interest rate loan?
A variable interest rate is one that can fluctuate according the to Bank of England base rate . This means that if the Bank of England base rate falls or rises, so too will your loan interest rate.
Although this can sometimes mean your interest rates fall, it also makes your payment schedule hard to predict.
If the Bank of England base rate rises unexpectedly, you may find yourself with an unexpected hit to your cash flow.
Does Samera Finance lend money?
No, we are not a financial lender.
Samera Finance is a commercial finance broker. That means that we use our network and connections within the UK healthcare lending industry to find the best loans and negotiate the best terms.
We find the right finance, make sure your application is right, negotiate the terms and ensure you get the best loan for the right price.
What is a finance broker and why do I need one?
A commercial finance broker like Samera acts as an intermediary between you and the lender. We do not lend the money ourselves.
We use our network of contacts in the UK’s lending sector, as well as our experience in loan applications, to ensure you find the best deal.
Although you can apply for a loan and raise the finance yourself, with a commercial finance broker you will find a wider range of finance options, have a better chance of a successful application and negotiate better terms.
Contact us to Get the Best Finance Deal
Contact Information
Fill in the form and our team will get back to you as soon as possible.
The Samera Alliance Group supports independent dentists like you with access to the very best prices in the dental market, ensuring your business can achieve the best possible margins.
With our buying group power, we continue to widen our supplier network, bringing dentists the best possible prices for all amenities.
How the Samera Alliance Dental Buying Group can help you and your business?
Save money on Consumables and Equipment
IT Infrastructure
Digital Scanners
Indemnity Insurance
Software for Your Practice
Review Energy and Business rates
Dental Compliance
HR and Health and Safety
What do you get when you join the Samera Alliance Dental Buying Group?
We’ll help you save money in your practice with exclusive discounts on dental products, equipment and consumables with our dental buying group.
Buying Group Features
Gain access to significantly discounted dental consumables through negotiated deals by Samera Alliance.
Enjoy reduced rates on dental repairs and maintenance services, ensuring cost-effective solutions for your practice.
Access pre-negotiated deals on essential overheads such as utilities, IT services, CQC compliance, HR support and waste management, streamlining your operational costs effectively.
The Samera Alliance Group has partnered up with some of the UK’s leading dental consumable manufacturers and service providers to help you save money in your practice.
We have a large directory of companies that you can have access to in order to help run your practice more cost-effectively.
Wrights
Wrights partner with Top Leading Brands and Suppliers to offer unrivalled solutions for your laboratory and dental practice. In addition, we manufacture alginate, teeth and denture base from our facilities both here and abroad.
Densura
Densura is a bespoke scheme that offers professional indemnity, public/products liability & legal expenses insurance coverage for GDC and criminal prosecutions. Dentists could pay a premium, which is up to 40% less than that available elsewhere.
Technocure
Technocures mission is to provide high-quality and cost-effective IT services that meet our customers’ needs. They manage and support all our IT service solutions using cutting-edge technology. With the utmost quality and consistency, we make technology an asset for our clients through unique, individualised solutions.
Dental Compliance Made Easier
Dental Compliance Made Easier will support your practice on a CQC compliance capacity and will ensure all your processes and systems are developed in line with CQC regulations.
Software 4 Dentists
These days, patients expect to be able to do virtually anything online, so why should booking an appointment with their dentist be any different? Present a booking system, customised with your practice’s own logo and welcome messages. Empower your patients to book and manage their dental appointments online.
Croner
Our award-winning HR and health & safety services free you from workforce admin and help keep you on the right side of the law. So with Croner, you get more time to focus on what you’re best at—growing your business.
Scan Club
The award-winning Digital Dental Academy team are delighted to welcome you to Scan Club, the most cost-effective way for all Dentists to go digital.
Lumenis (PRNewsfoto/Lumenis)
Lumenis
With over 50 years of excellence in the industry, Lumenis is a pioneer in the field of aesthetic medicine and was the first to introduce many technologies in the field, such as Intense Pulsed Light (IPL) and CO2 laser skin resurfacing.
DB Dental Equipment
Dental Equipment Ltd. is an independent family-run company that specialises in the sales, maintenance and installation of all dental equipment for practices throughout the UK.
Rudlings Solicitors
At Rudlings, we supply specialist advice to Dentists & other Healthcare professionals.
Albus Environmental
Albus Environmental a sustainable clinical waste service.
Patient Plan Direct
We help hundreds of practices across the UK run their own practice-branded patient plans – and for significantly less cost in comparison to other plan providers such as Denplan by SimplyHealth Professionals, Practice Plan and DPAS.
Finance 4 Patients
Practices that offer flexible payment options show an average increase in appointments of 25%, leading to an increase in revenue and higher spending per visit. Patients feel much more comfortable going ahead with treatments when they don’t have to pay a large lump sum upfront.
Dental Insurance Services
Dental Insurance Services have been meeting the insurance needs of Dentists for over 30 years. We pride ourselves in the level and quality of service we provide to our clients.
Clover Dental
Clover Dental provides full-service dental project management from conception to completion. We cover all aspects of establishing and running a dental practice from the initial planning, build and fit-out to the procurement of equipment, hiring staff, and marketing.
Flow Water Hygiene Services
Flow Water Hygiene is an independent Legionella Risk Assessment company specialising in helping Dental Practices with their Legionella and Water Hygiene Compliance.
Interested in partnering with Samera Alliance?
If you want to work with Samera, and become part of a growing community of the UK’s dentists and their suppliers, contact us today. Our buying group is growing week by week with dental practices from all across the UK.
To find out more about working with us, contact us today via the button below.
If so, please send us a message via our contact form.
What is the Samera Alliance?
The Samera Alliance is our growing network of dentists, practices and leading industry suppliers, designed to help you save money, grow your profits and build a better dental business.
The Samera Alliance is all about saving your practice money with our Dental Buying Group. By joining the Samera Alliance, you gain access to exclusive deals and offers from our partners. The Samera Alliance Buying Group can save you money on the consumables, equipment and products you need in dentistry. Samera Alliance is FREE to join. There’s no catch or hidden costs. Just free access to exclusive discounts
Why have we set up this buying group?
Here at Samera, we wanted to allow smaller independent dental practices to operate on a level playing field with some of the dental body corporates out there when it comes to buying their consumables or equipment.
At Samera, we believe we’re all stronger together. As a Group, we can match the buying power of the corporate dental groups and get you cheaper deals on goods and discounted rates for services.
What is in it for you?
Gaining better buying power
Larger discounts
Reducing your monthly material bills
Introduction to third-party services
By combining the purchasing power of our growing network of private dentists, we can source consumables, equipment and supplies at significantly discounted prices. Larger buying groups can obtain far greater discounts than individual practices. Coming together to negotiate collectively greatly elevates the leverage you have to get the best deal possible.
Join our growing network of practices to benefit from lower prices, save money and grow your practice’s value.
Partner up and work with our community to see significant reductions in cost through combined purchasing power.
Connect with industry-leading manufacturers and suppliers to ensure you purchase the cutting-edge equipment, technology and supplies.
Better deals, negotiated through the Samera Dental Buying Group.
Access to advice and guidance on asset finance and dental technology.
Be a part of a growing buying group, get the best deals on the market, and grow your practice’s profits.
What kind of things can I purchase?
By joining our buying group, you will gain access to lower cost consumables, equipment and aesthetics solutions – everything you need to equip and kit-out the modern dental practice.
Supplies: Over 27,000 consumable products available to order.
Digital products: Digital software and products from leading manufacturers, as well as access to training, technical support and engineering teams.
Specialist equipment: Including orthodontic, surgical, endodontic, Loupes and oral hygiene products & equipment.
Aesthetics: Specialist facial aesthetics and non-surgical skin rejuvenation products, including dermal fillers, botulinum toxins, skin peels and cosmeceuticals.
Services and repair: Our buying group has access to one of the largest engineering teams across the UK and Ireland, who can service, test and repair your practice equipment.
How do I join?
Simply click ‘Sign up now’ above to either register now or book a free consultation with our buying group manager.
Once you are a registered member of the buying group, you’ll be able to see all of the exclusive deals and make your purchases.
Do I need to be a Samera client to join?
No, you do not have to be a Samera client, the Samera Alliance is open to any dentist or dental practice that wants to save money and grow their profits.
However, if you are an existing client then let us know, as our accountancy and practice start-up clients can enjoy an introductory offer.
How much does it cost?
The Samera Alliance (our Dental Buying Group) is completely free for everyone to join. That means you get cheaper dental consumables and supplies for nothing!
Do you make the purchases for me?
No, you will still purchase equipment, assets and consumables yourself via the links in the alliance website. However, your profile will be registered to the Samera Dental Buying Group, which will allow you to benefit from our discounted prices.
How much can I save?
Discount prices will vary between products and over time.
However, we have seen an average of 6-10% per month in savings.
How will this grow the value of my practice?
For every £1 you save, your practice’s value increases by over £6! Your practice’s value is calculated by multiplying your current annual profit by 6. Therefore, if you save £10,000 somewhere, your practice’s value goes up by £60,000!
For example:
If you save on consumables:
£1
£1,000
£10,000
Your practice value increases by*:
£6
£6,000
£60,000
*Based on an EBITDA multiple of 6x EBITDA
Nothing to be sniffed at, and it’s a no-brainer, no-risk service to you.
To find out how much simply saving money on your consumables can grow the value of your practice, enter your current annual profit and consumables bill. Then just let us know how much you want to cut your consumables bill by and you’ll see how much your practice could be worth when you save. You’ll be surprised how much your value can grow!
Try our practice wealth calculator:
Your Current Annual Profit:
Your Current Practice Value:
Your Current Annual Consumables Bill:
Cut Dental Consumables By:
Annual Saving Made In Dental Consumables:
New Dental Consumables Cost:
Your New Practice Value:
* Assuming EBITDA of 6x
How do I get better deals through the Buying Group?
Buying Groups use their numbers as leverage to get better prices since it means they purchase items in large bulks far more often than an independent practice, or even a small dental group.
A Buying Group represents a far greater source of regular business and, so, they often get better prices then others.
The more members of the Buying Group, the better the prices we will be able to negotiate for this exact reason.
With our vast combined dental and business experience of the UK Dental sector, we are perfectly placed to help you build the practice you deserve.
The world of UK dentistry is diverging
For some dental practices the last 18 months has proven very challenging, whilst, for others, it has been the best 18 months of their whole working career.
Why?
Simply put. Preparation. Whilst many have flustered and panicked, the true success stories started way before COVID-19 even hit. Focusing their efforts on leadership, digital marketing, growth, team motivation, key metrics, operational excellence, cash flow… to name a few of their actions.
Amongst all the chaos and financial challenges, there are many dental practices whose profits are rocketing, having their best year.
But you don’t hear about them on the news or social media.
Some of them may be your friends or colleagues, but they are perhaps almost embarrassed to discuss their success – however, their success should come as no surprise because during every downturn this situation always arises.
Now if it wasn’t for the NHS, many dental practices would have been wiped out a long time ago, but many have tried to keep their dental practice alive with the lifeline of an NHS contract, some even making a great success of it!
But as we all know, the NHS pot is only so deep, and at some point, in time some type of reform will occur, which will certainly change the make-up of UK Dentistry.
In good times, there are 3 types of dental practice:
High performing dental practices.
Struggling dental practices who eventually go out of business.
Dental practices that plod along, “The plodders”, they make enough to pay the mortgage but not much more.
But we all know in tough times, “the plodders” disappear. But where do they go? They go up or down. Either they become a high-performing practice; Or they go down and out of business – and disappear.
So, if you are a “plodder” or are a struggling practice, or perhaps an NHS practice wanting to move fully private we believe you only truly have one path to survive, a path that requires you to adopt new ways of business thinking, whilst pursuing entrepreneurial and clinical excellence.
In our view, you’re either moving up or you’re going out. The good news, if you have the drive and will to move up, the Samera Dental Business Accelerator programme will help you drive your dental practice to the top of the pile.
After almost 20 years of advising and running 100% private dental clinics and Dr Smita Mehra BDS MFGDPRCS and Arun Mehra FCA and the Samera team share how to build an invincible, robust pandemic proof practice, whilst also doubling your profits in a space of two years!
We don’t just talk the talk, we actually walk the walk too.
Samera sits in a very privileged position as Dental Business Advisors to hundreds of dentists, so we have 20-years worth of data and experience that helps us know what works but more importantly what doesn’t.
Coupled with also owning and running our highly successful private practices ourselves, The Neem Tree Dental group (hyperlink), based in London and Surrey, we are in a unique position to share our insight to those willing to rise to the top.
A warm welcome to you all. I know what you do every day requires the metal of a hardcore warrior. Juggling business, clinical excellence and team growth with the challenges of family life and expectation is no mean feat.
There are rewarding days and days of complete misery and guilt at every turn. I completely relate to this and have been juggling, struggling and winning ( in equal measure ) all of these emotions over the last 20 years.
It’s my personal mission to support and help as many female practice owners/businesswomen through this programme through creating a specific community which I will carve out of the main programme to make it relevant and tailored.
Let’s join forces, take your practice to the next level and be proud of what we can achieve together.
Smita is an expert in helping Dentists achieve their goals. From start up’s to selling and everything in between, Smita has considerable experience and passion to share with her fellow Dentists.
If you are serious about achieving success in Dentistry, Smita will be the rocket fuel you need to help you achieve your goals.
ARUN MEHRA FCA
With almost twenty years of commercial experience and knowledge in Dentistry, Arun’s expertise is valued by hundreds of Dentists across the world.
His energy and passion for helping clients is infectious and leading his team to do their best is at the top of his list of business priorities. Arun has a vast network of experienced contacts he can draw on to help clients when needed.
Throughout the year Arun and Smita will host Samera Strategy Days whereby they will assist AND inspire you to build that disaster-proof practice AND double your business value.
You and your team can attend these days at no extra charge and enjoy the warm welcome from Smita, Arun and the Samera Team.
So, what is the Samera Dental Business Coaching Programme?
This is a coaching programme run by Dr Smita Mehra, an experienced Private Dental Practice Owner, and Arun Mehra FCA a well-known Dental Business expert.
Arun and Smita, a husband and wife team, will share their expertise to help you achieve your true potential
Our SPECIFIC Goals for YOU
Our 2 specific goals for you are:
Build a disaster proof practice that can weather a storm like COVID 19
Double your EBITDA and Practice Value.
And as an added bonus goal:
We will help you find the joy in running your own robust and successful practice.
When does the programme commence?
The programme commences every quarter.
In January, March, June and September each year.
What happens at the onboarding stage?
Once we have mutually agreed for you to start on the programme, we will review your personal current situation and work out a specific 12-month plan for you and your practice.
This will involve a 2-3 hour onboarding session with key members of the Samera team, including clinical, compliance, finance and marketing. From this meeting, a mutually agreed plan will be created.
It will be this plan that will be used to ensure accountability from both sides.
How will you learn?
We will host bi-monthly webinars whereby we cover a whole host of dental business topics hosted by either Arun or Smita and their expert team. The list below is just a taste of the topics covered:
Adding new locations through start up’s and acquisitions
Exit planning and going out at the top
You and your team will have access to both the LIVE and RECORDED sessions.
Will there be LIVE, in-person sessions?
Absolutely. We will be hosting Samera Strategy Days across the UK
Throughout the year Arun and Smita will host Samera Strategy Days whereby they will assist AND inspire you to build that disaster-proof practice AND double your business value.
You and your team can attend these days at no extra charge and enjoy the warm welcome from Smita, Arun and the Samera Team.
Planned locations for 2022 include: London Bristol Manchester Birmingham Edinburgh
Will I get accountability sessions with Arun or Smita?
Yes.
Each month you will have the unique opportunity to book an on-demand 30-minute call with Smita or Arun to ensure you are being held accountable to the 12-month plan designed at the outset.
In addition, you will be able to discuss any pressing dental business issue. They will listen, evaluate and help you with your issue or problem and provide their experience and guidance to you.
We know, being held accountable is a critical component to achieving one’s goals.
What is your commitment?
To make any significant change requires a commitment from you AND us, therefore you must be willing to commit for a minimum 12-month period to start seeing results.
What else is included?
Discounted rates for any of our UK or overseas LIVE events we are hosting
100% Free membership of the Samera Buying Group
Quarterly Dental Market Updates from our team plus some specially invited guests.
Unlimited email access to Dental Business Accelerator team
Private social network to share thoughts, ideas and gain support
How much is it?
£550 (including VAT) per month payable in advance.
Who should join?
You may be starting out, or have been running a practice for years, this dental business coaching programme is designed to build an invincible practice whilst radically transforming your profits, so your dental practice not only survives but rises to the top.
If that’s you, then this is the programme for you.
How do I Apply?
We limit the number of new practices joining each quarter to just 7. Why 7 you may wonder?
To ensure we get to understand each and every client joining us on this important journey. We value your time, commitment and trust and therefore feel it is essential to maintain a high standard of delivery.
To apply, please complete the form below.
Insert Form
Upon receipt, Arun and Smita will review the information provided, and then one of them will arrange an initial no-obligation consultation with you, to see if the programme is a good fit for you and us.
If we are both happy after the initial consultation, we will then welcome you and your practice on board to start in the next quarter.
In this 3 hour live evening session, Arun Mehra FCA will cover the essentials of how Dentists should be managing their money and financial affairs to become financially free within 5 years. His vast financial experience in helping Dentists make more money is second to none in the UK.
Arun will cover:
For Associates:
Start saving and investing early
Buying your first house and then subsequent property investments
Organising your finances for Buying or Setting up your first dental practice
Building a diverse income strategy
For Practice Owners:
Maximising your dental practice performance and valuation through growth and saving opportunities
Building a business that people ask to buy, rather than one you try to sell
Diversifying your wealth growing opportunities
For Both:
Developing a mindset of an investor
Understanding and using all your tax opportunities
Investment strategies for long term growth
Portfolio management and asset allocation
Locations:
Central London
Birmingham
Bristol
Cardiff
Leeds
Manchester
Belfast
Glasgow
Guildford
About Arun Mehra FCA
Arun has been helping dentists since 2002. He married a Dentist, Smita, in 2001, and since then he has not looked back and through his firm, Samera, his firm has helped hundreds of dentists to become financially free.
Entrepreneur, accountant, equity investor, property developer, dental practice owner, Arun wears many financial hats and is perfectly placed to help you achieve financial freedom.
Arun qualified as a Chartered Accountant with PwC London in 1999, then became a leading Equity Analyst in the City before breaking free, and starting his many ventures.
He is an advocate of hard work, taking calculated risks, and carrying out considerable due diligence. Arun believes becoming financially free is achievable for all, but most people go wrong through poor advice, a lack of financial confidence and having insufficient financial skills.
This event is the first step to helping you create financial freedom for you and your family.
With our vast combined dental and business experience of the UK Dental sector, we are perfectly placed to help you build the practice you deserve.
The world of UK dentistry is diverging
For some dental practices the last 18 months has proven very challenging, whilst, for others, it has been the best 18 months of their whole working career.
Why?
Simply put. Preparation. Whilst many have flustered and panicked, the true success stories started way before COVID-19 even hit. Focusing their efforts on leadership, digital marketing, growth, team motivation, key metrics, operational excellence, cash flow… to name a few of their actions.
Amongst all the chaos and financial challenges, there are many dental practices whose profits are rocketing, having their best year.
But you don’t hear about them on the news or social media.
Some of them may be your friends or colleagues, but they are perhaps almost embarrassed to discuss their success – however, their success should come as no surprise because during every downturn this situation always arises.
Now if it wasn’t for the NHS, many dental practices would have been wiped out a long time ago, but many have tried to keep their dental practice alive with the lifeline of an NHS contract, some even making a great success of it!
But as we all know, the NHS pot is only so deep, and at some point, in time some type of reform will occur, which will certainly change the make-up of UK Dentistry.
In good times, there are 3 types of dental practice:
High performing dental practices.
Struggling dental practices who eventually go out of business.
Dental practices that plod along, “The plodders”, they make enough to pay the mortgage but not much more.
But we all know in tough times, “the plodders” disappear. But where do they go? They go up or down. Either they become a high-performing practice; Or they go down and out of business – and disappear.
So, if you are a “plodder” or are a struggling practice, or perhaps an NHS practice wanting to move fully private we believe you only truly have one path to survive, a path that requires you to adopt new ways of business thinking, whilst pursuing entrepreneurial and clinical excellence.
In our view, you’re either moving up or you’re going out. The good news, if you have the drive and will to move up, the Samera Dental Business Accelerator programme will help you drive your dental practice to the top of the pile.
After almost 20 years of advising and running 100% private dental clinics and Dr Smita Mehra BDS MFGDPRCS and Arun Mehra FCA and the Samera team share how to build an invincible, robust pandemic proof practice, whilst also doubling your profits in a space of two years!
We don’t just talk the talk, we actually walk the walk too.
Samera sits in a very privileged position as Dental Business Advisors to hundreds of dentists, so we have 20-years worth of data and experience that helps us know what works but more importantly what doesn’t.
Coupled with also owning and running our highly successful private practices ourselves, The Neem Tree Dental group (hyperlink), based in London and Surrey, we are in a unique position to share our insight to those willing to rise to the top.
FEMALE ENTREPRENEURS – Special Message from Smita.
A warm welcome to you all. I know what you do every day requires the metal of a hardcore warrior. Juggling business, clinical excellence and team growth with the challenges of family life and expectation is no mean feat.
There are rewarding days and days of complete misery and guilt at every turn. I completely relate to this and have been juggling, struggling and winning ( in equal measure ) all of these emotions over the last 20 years.
It’s my personal mission to support and help as many female practice owners/businesswomen through this programme through creating a specific community which I will carve out of the main programme to make it relevant and tailored.
Let’s join forces, take your practice to the next level and be proud of what we can achieve together.
Smita is an expert in helping Dentists achieve their goals. From start up’s to selling and everything in between, Smita has considerable experience and passion to share with her fellow Dentists.
If you are serious about achieving success in Dentistry, Smita will be the rocket fuel you need to help you achieve your goals.
ARUN MEHRA FCA
With almost twenty years of commercial experience and knowledge in Dentistry, Arun’s expertise is valued by hundreds of Dentists across the world.
His energy and passion for helping clients is infectious and leading his team to do their best is at the top of his list of business priorities. Arun has a vast network of experienced contacts he can draw on to help clients when needed.
Throughout the year Arun and Smita will host Samera Strategy Days whereby they will assist AND inspire you to build that disaster-proof practice AND double your business value.
You and your team can attend these days at no extra charge and enjoy the warm welcome from Smita, Arun and the Samera Team.
So, what is the Samera Dental Business Coaching Programme?
This is a coaching programme run by Dr Smita Mehra, an experienced Private Dental Practice Owner, and Arun Mehra FCA a well-known Dental Business expert.
Arun and Smita, a husband and wife team, will share their expertise to help you achieve your true potential
Our SPECIFIC Goals for YOU
Our 2 specific goals for you are:
Build a disaster proof practice that can weather a storm like COVID 19
Double your EBITDA and Practice Value.
And as an added bonus goal:
We will help you find the joy in running your own robust and successful practice.
When does the programme commence?
The programme commences every quarter.
In January, March, June and September each year.
What happens at the onboarding stage?
Once we have mutually agreed for you to start on the programme, we will review your personal current situation and work out a specific 12-month plan for you and your practice.
This will involve a 2-3 hour onboarding session with key members of the Samera team, including clinical, compliance, finance and marketing. From this meeting, a mutually agreed plan will be created.
It will be this plan that will be used to ensure accountability from both sides.
How will you learn?
We will host bi-monthly webinars whereby we cover a whole host of dental business topics hosted by either Arun or Smita and their expert team. The list below is just a taste of the topics covered:
Adding new locations through start up’s and acquisitions
Exit planning and going out at the top
You and your team will have access to both the LIVE and RECORDED sessions.
Will there be LIVE, in-person sessions?
Absolutely. We will be hosting Samera Strategy Days across the UK
Throughout the year Arun and Smita will host Samera Strategy Days whereby they will assist AND inspire you to build that disaster-proof practice AND double your business value.
You and your team can attend these days at no extra charge and enjoy the warm welcome from Smita, Arun and the Samera Team.
Planned locations for 2022 include: London Bristol Manchester Birmingham Edinburgh
Will I get accountability sessions with Arun or Smita?
Yes.
Each month you will have the unique opportunity to book an on-demand 30-minute call with Smita or Arun to ensure you are being held accountable to the 12-month plan designed at the outset.
In addition, you will be able to discuss any pressing dental business issue. They will listen, evaluate and help you with your issue or problem and provide their experience and guidance to you.
We know, being held accountable is a critical component to achieving one’s goals.
What is your commitment?
To make any significant change requires a commitment from you AND us, therefore you must be willing to commit for a minimum 12-month period to start seeing results.
What else is included?
Discounted rates for any of our UK or overseas LIVE events we are hosting
100% Free membership of the Samera Buying Group
Quarterly Dental Market Updates from our team plus some specially invited guests.
Unlimited email access to Dental Business Accelerator team
Private social network to share thoughts, ideas and gain support
How much is it?
£550 (including VAT) per month payable in advance.
Who should join?
You may be starting out, or have been running a practice for years, this dental business coaching programme is designed to build an invincible practice whilst radically transforming your profits, so your dental practice not only survives but rises to the top.
If that’s you, then this is the programme for you.
How do I Apply?
We limit the number of new practices joining each quarter to just 7. Why 7 you may wonder?
To ensure we get to understand each and every client joining us on this important journey. We value your time, commitment and trust and therefore feel it is essential to maintain a high standard of delivery.
To apply, please complete the form below.
Insert Form
Upon receipt, Arun and Smita will review the information provided, and then one of them will arrange an initial no-obligation consultation with you, to see if the programme is a good fit for you and us.
If we are both happy after the initial consultation, we will then welcome you and your practice on board to start in the next quarter.
Streamline Your Dental Practice with Expert Accounts Payable Services
Running a successful dental practice requires more than just exceptional patient care—it also involves managing the financial health of your business. At Samera, we specialiee in providing professional accounts payable services tailored to the unique needs of dental practices across the UK. Let us take care of your financial backend, so you can focus on what you do best: creating healthy, happy smiles.
Why Choose Samera for handling your Accounts Payable for your Dental Practice?
We understand the challenges that come with managing a dental practice. From handling invoices from multiple suppliers to ensuring timely payments, it can quickly become overwhelming. Our dedicated accounts payable service is designed to reduce your workload, improve efficiency, and give you peace of mind knowing your finances are in expert hands.
Here’s what sets us apart:
Dental Expertise
With years of experience serving dental clients, we know the industry inside out. Whether it’s managing supplier contracts for consumables or dealing with lab invoices, we understand the specific nuances of dental practice finances.
Time-Saving Solutions
Our streamlined accounts payable process frees up your time by taking over the administrative burden of managing invoices and payments. You’ll have more time to focus on your patients and growing your practice.
Compliance and Accuracy
We ensure your accounts payable are managed with precision, helping you stay compliant with financial regulations and avoiding costly errors.
Our Accounts Payable Services Include:
Invoice Management
Receive, verify, and organize invoices from your suppliers to ensure accuracy and completeness.
Timely Payments
Schedule and process payments to avoid late fees or damaged supplier relationships.
Expense Tracking
Maintain clear records of all payments to provide a detailed overview of your practice’s cash flow.
Supplier Communication
Act as your liaison with suppliers to resolve discrepancies and ensure smooth transactions.
Custom Reporting
Access tailored reports to gain insights into your financial outflows and make informed business decisions.
Advanced Technology
We use the latest technology with our clients to ensure we provide a seamless and efficient accounts payable service.
The Benefits to Your Dental Practice
Partnering with Samera means you can enjoy:
Improved Cash Flow Management: Keep a close eye on your finances with up-to-date accounts payable tracking.
Enhanced Operational Efficiency: Spend less time on admin and more time on patient care.
Strong Supplier Relationships: Ensure timely, accurate payments to build trust and reliability with suppliers.
Tailored Support: Our services are customized to meet the specific needs of your dental practice.
Ready to Simplify Your Accounts Payable?
Take the hassle out of managing invoices and payments with our trusted accounts payable service for dental practices. Contact Samera today for a no-obligation consultation and discover how we can help your practice thrive.
Dental Accounts & Tax Specialists
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
Search for a suitable location and start preparing a business plan and financial forecasts.
Step 1
Step 2
Finance
Find out how much finance you can borrow via a finance broker.
Step 2
Step 3
Prepare
Find location, negotiate terms, choose and obtain quotes for equipment and building work.
Step 3
Step 4
Instruct
Instruct solicitors and confirm finance with finance broker.
Step 4
Step 5
Sign
Sign lease/buy freehold and commence building work and inform CQC of opening date.
Step 5
Step 6
Market
Start digital marketing work, including website build and social media.
Step 6
Step 7
Hire
Hire team and CQC interview.
Step 7
End
OPEN NEW PRACTICE!
End
Starting a Dental Practice: Get Started
We’ve been helping the UK’s dentists start their own practices for nearly 20 years and we know exactly what it takes to make your practice a success!
Our Dental Practice Start-up Programme is a hands-on consultancy service designed to take you through your whole journey to becoming a dental practice owner. Book a free, no-obligation consultation with one of our team at a time that suits you (including evenings). We’ll call you back and have a chat about how we can help start your dream practice.
Contact us today for all the advice, support and expertise you’ll ever need to start a dental practice.
Find out how much you can afford via a finance broker.
Step 1
Step 2
Approach
Visit Practice Sales Agent sites and try and find a suitable practice.
Step 2
Step 3
Find
Find a suitable practice and assess practice financials.
Step 3
Step 4
Offer
Offer and negotiate and agree terms.
Step 4
Step 5
Solicitors
Instruct solicitors and confirm finance with finance broker and instruct bank valuers.
Step 5
Step 6
Due Diligence
Carry out due diligence and SPA preparation, CQC application with solicitors.
Step 6
Step 7
Exchange
Exchange and complete on purchase.
Step 7
End
OWN A PRACTICE!
End
Buying a Dental Practice: Get Started
When buying a dental practice (especially if it’s for the first time), you need the competent hands of qualified professionals. Not only have we been helping the UK’s dentists to buy, start and sell dental practices for over 20 years, we are dental practice owners ourselves! We know what it takes to buy the right dental practice, we can help you find it, buy it and get it up and running.
Book a free, no-obligation consultation with one of our team at a time that suits you (including evenings). We’ll call you back and have a chat about how we can help buy your dream practice.
With Samera Business Advisors you can rest easy knowing that your investment is secure and your future is brighter. Contact us today so we can help plan for your tomorrow.
Samera has been helping dentists expand their patient lists and grow their dental businesses for over 20 years. Now, we’re launching our brand new Digital Marketing for Dentists package, designed to build your brand awareness, attract new patients and grow your dental practice.
Digital marketing is the key to growing a dental practice. With everyone spending so much time on their devices, it’s the perfect way to reach new customers and build a relationship with your existing patients. If you want to get more people through the door and increase your profits, you need to get your digital marketing right.
Why Choose Samera?
The best way to find out how good someone is at marketing is to check how they market their own business.
That’s why you should choose Samera. We know how to market services, we know dentistry and we do the marketing for our own practices day in and day out.
Marketing Packages
SEO Audits
Audit + Consult
New Website Build
SEO Audits
Let our Head of Marketing analyse your website and produce a detailed audit and action report.
In this report we will provide a detailed list of actions you need to take to improve the SEO of your website. We will investigate the on-page technical SEO, your existing content and your off-page SEO presence.
We will then let you know exactly what you need to do and what changes you and your team need to make on your website.
If we can’t help, you won’t pay. If our audit finds that your website is well-built and optimised and our report will not make a major difference to your Google ranking, you won’t pay a penny.
Audit + Consult
In our consult package, you don’t just get a detailed report on your website. You will also get 3 calls directly with our Head of Marketing to discuss the audit, talk you through the changes to be made and follow up on the results.
1st call: We will go over the audit and discuss how to implement the suggested changes.
2nd call: Once you have implemented the changes we will go over the website again, review the updates and suggest further recommendations.
Follow up call: In the third call we will discuss social media, PPC, what to do going forward and any lingering questions.
Over the course of 3 months, each call will tackle on going issues, extra changes and improvements you can make and we will also discuss your PPC, content and social media strategies.
New Website Build
Whether you are a new start-up practice or you want to redesign an existing website, our developers work with you to produce a bespoke, successful website for your dental practice.
Our developers and SEO team will work with you to design a website that reflects your practice’s brand, ranks well on Google, generates leads and converts those leads into new patients.
Additional Services
Practice And Team Images
Our team can produce high-quality, professional imagery of your team and practice for use both on social media and throughout the website.
Social Media And Practice Videos
Our video production team can also produce practice walkthrough videos, social media advert videos, team videos and educational videos for use both on social media and throughout the website.
Written Content
Our content writers can help generate the essential written content your website needs with new blogs and articles covering a wide range of dental topics.
PPC Consultations
We will give you advice and tips on setting up your Pay Per Click campaigns, including sample advert text to ensure they score ‘excellent’ on the Google Ads tests.
“Arun, Nigel and Chris have helped us tremendously over recent years in setting up our dental practice. From attending the bootcamp, discussing finances to support with marketing, the team have been brilliant. Very approachable and always go over and beyond. Highly recommended!!”
We offer dental practice valuations if you are thinking about buying or selling now, or in the future.
For some clients, our help begins many years before they actually plan to sell their practice. This involves helping them plan the future they desire, building a profitable and valuable dental practice and then finding the most suitable buyer for their practice.
As a firm of experienced dental accountants and business advisors, our team are perfectly placed to help you with this important stage in your career.
We will always prepare a realistic valuation of your practice, based on market values, a sales pack and then go about matching a prospective buyer from our extensive buyer’s database to your practice.
This ensures that a high degree of confidentiality is maintained throughout the whole process. We believe that by carefully matching suitable buyers with the right sellers, the sales value obtained will always be much higher than a one-size-fits-all approach to marketing practices to buyers.
We treat all your information in the strictest confidence.
Dental Practice Valuations with Samera
If would like a valuation, please call us or book a time for us to call you.
Don’t Agree With a Dental Practice Valuation? Challenge it!
Are you considering purchasing a practice but feel the asking price is too high? If negotiating isn’t your strength, or if you lack the time or necessary paperwork, our Challenge the Valuation Service can help secure a fairer price – saving you money and reducing stress.
What We Offer
Affordable Initial upfront fee gives you immediate access to our valuation expertise, with our team committed to securing the best possible deal.
Results-Based Savings
Unlike traditional agents who charge based on the practice’s value, our fee is solely based on the savings we achieve for you. Our success fee is an agreed % of any savings off the asking price—if we don’t save you money, you pay nothing beyond the initial fee.
Fair and Transparent Costs
After your purchase is complete, our final fee % of the total savings is due. Our approach directly links our costs to the value we deliver, ensuring complete transparency.
How It Works
Our team of dental accounting experts thoroughly reviews the practice’s financials, sales particulars, and market position, ensuring you the true practice value.
Professional Negotiation
With deep market insights, we negotiate directly with the seller on your behalf to secure the best price and terms, saving you both time and money.
Why Choose Challenge the Valuation Service?
Aligned Interests, our success depends on your savings. With a fee model based on actual savings, our interests are fully aligned with yours, ensuring your financial goals are prioritised.
Complete Financial Transparency, our fee structure, based on the savings we achieve, ensures transparent costs and maximum value for you, so you only pay for what we help you save. This approach provides a clear financial advantage and peace of mind, with the fee directly tied to the value we deliver.
Ready to Get Started?
Secure the best price with minimal hassle. Book a call with Arun today to learn how Challenge the Valuation Service can make your practice acquisition smoother and more affordable.
Dental Practice Valuations for Divorces
If you’re in the unfortunate situation where you need to have your dental practice valued in preparation for a divorce, we are perfectly placed to provide an accurate, detailed and complete dental practice valuation.
As an experienced team of dental practice owners ourselves, we know exactly how to value dental practices, and can even provide advice and support to grow the value of the practice before the sale.
Valuations That Benefit Both Parties
When dealing with cases of divorce, it is essential that the dental practice, as with all shared assets, is valued with the benefit of both parties in mind.
Our team will provide a transparent, balanced and accurate valuation. This is important to ensuring that some kind of meaningful settlement can happen.
When buying a dental practice (especially if it’s for the first time), you need the competent hands of qualified professionals. Not only have we been helping the UK’s dentists to buy, start and sell dental practices for over 20 years, we are dental practice owners ourselves! We know what it takes to buy the right dental practice, we can help you find it, buy it and get it up and running.
Book a free, no-obligation consultation with one of our team at a time that suits you (including evenings). We’ll call you back and have a chat about how we can help buy your dream practice.
With Samera Business Advisors you can rest easy knowing that your investment is secure and your future is brighter. Contact us today so we can help plan for your tomorrow.
If you are planning to start your own healthcare business then you must have a business plan.
Having a vision is great, but not having a plan or a route map of how you are going reach your vision is professional suicide. Most businesses fail mainly because they rarely think about the pitfalls that may arise whilst in business. This is why building a business plan is so important. The planning stage is all about identifying the possible problems in advance.
Their advice and ongoing support has been invaluable and I will highly recommend them, for any dentist setting up a squat practice or hoping to buy an existing practice.
Five stars
So what exactly is a business plan?
Simply put, a business plan is a constantly evolving document that tells you, and its readers, the “what” and the “how” of your business. It is a communication tool that conveys your ideas and thoughts, and outlines how you are going to put these ideas and thoughts into action.
It is a document that is constantly evolving as you change, grow and build your business; whether you are just about to start your own practice, or have been in practice 25 years. Building a business plan is an imperative in today’s changing business environment and not something that should just be in your head.
The key stages of a business plan include the following:
Executive Summary – an overview of the plan, usually written last
Describe the business – what type of business is it, what do you plan to set up?
Market study, market positioning – is there a market in the area you want to open up for these services?
Vision and mission
The business strategy – what are you going to do
Plans for products and services
Financial forecasting
Highlight risks and opportunities
Conclusions
Once you have a comprehensive business plan, not only will you be in a much stronger position for approaching banks and other lenders for financing your practice, you will also be much more focused and driven to reach your goals.
Help with building a business plan
If you are looking to build or grow a business and need help with building a business plan please get in touch with us or book a free consultation.
We’ve been helping the UK’s dentists start their own practices for nearly 20 years and we know exactly what it takes to make your practice a success!
Our Dental Practice Start-up Programme is a hands-on consultancy service designed to take you through your whole journey to becoming a dental practice owner. Book a free, no-obligation consultation with one of our team at a time that suits you (including evenings). We’ll call you back and have a chat about how we can help start your dream practice.
Contact us today for all the advice, support and expertise you’ll ever need to start a dental practice.
You need to ensure that you get the best acquisition finance deal available in the market when investing in your own business.
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 furthermore … has 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!
Five stars
Many vendors now require proof of funding before they will accept your offer and remove their clinic or practice from the market. It is important, therefore, to ensure that you are well-placed to obtain a commitment to the funding once you have found the right business.
You can get an indication of what you can borrow from us at an early stage and if the information required by lenders is collected early on then it is easier to move to a full credit-backed offer to pass onto a seller.
Samera Finance will take you through the whole acquisition finance process from data collection to credit approval, and use our experience and knowledge to help you structure the deal in the right way. This will assist you in obtaining the right deal at the right price and ease the process for you.
We secure millions of pounds of funding each year utilising many lenders and are able to assist with:
Could you get better terms on your existing loans?
We tend to review our car and house insurance costs on a regular basis, but seldom look at the costs of our borrowing.
What may have been an excellent deal at the beginning may now be looking a little expensive!
Different lenders charge different interest rates, rates change independently of lenders, payment schedules can be changed – there is a lot that can be renegotiated when it comes to your existing loans.
What you are paying right now may not be the best option out there for your business.
Successfully renegotiated our 2 practice loans. It was a hassle-free process, that resulted in a better interest rate. I will happily use Samera’s commercial finance service again.
Five stars
Refinancing with Samera
We will review your existing lending commitments, absolutely free. We will be able to let you know very quickly if the agreement you have is good in today’s market or whether we think it can be improved via refinancing.
Our team know the UK dental finance industry inside and out – if there’s a better deal out there for you, our team will find it.
We can then discuss the costs of sourcing a new and better finance agreement to assist your cash flow.
Example:
As you can see in the example below, a small change in the interest rate being paid – 1.6% in this instance, is saving this client over £170,000 over the term of the loan. If you have debt and are paying 3% plus above base rate, do get in touch, we can assess your specific situation and if appropriate help you save on the cost of borrowing.
Existing Loan
Refinanced Loan
£800,000
£800,000
Term 20 years
Term 20 years
Rate 4% (plus base) = 6.25%
Rate 2.4% (plus base) = 4.65%
Monthly repayments = £5844
Monthly repayments = £5196
Total repayments = £1,403,520
£1,230,240
Savings
£173,240
Case Studies
A Broker Can Get You Better Deals
Worked very hard to help us complete our arrangements. We presented him with several issues that he managed to find a solution to every time and always gave us the best way possible. Always professional, efficient and helpful in our dealings with him.
Five Stars
Commercial Loans for Healthcare Businesses
We’ve been helping to fund the future of British healthcare businesses for over 20 years and our team are made up of former bankers with decades of experience in the UK’s healthcare lending sector.
You can find out more about working with Samera and the financial services we offer by booking a free consultation with one of the Samera team at a time that suits you (including evenings) or by reading more about our financial services at the links below.
There are many different products available in terms of property finance for purchase and development.
Commercial Mortgages
Commercial mortgages can be used to purchase shops/offices and warehouses. Working in the same way as residential mortgages they spread the cost over an agreed period.
The most common commercial mortgage is an existing business buying its own premises from which they operate. This allows you to stop paying rent and start paying back the commercial mortgage, eventually owning the property outright.
Shortlisted for Commercial Finance Broker of the Year 2021 and 2022 by the NACFB
You can sometimes obtain 100% finance if you have a good trading record and additional security.
A commercial mortgage might be suitable for an experienced landlord who wants to buy further properties and place several properties on one mortgage.
We have a great relationship with advisors at Samera. We are in middle of a purchase. Samera advisors are doing an amazing and thorough job, from assessing practices, obtaining loan to providing accounting services. … has been very patient, understanding and considerate. Overall, very happy with the service and would highly recommend.
Five stars
Auction Finance
Properties bought at auction usually have to be paid for within 28 days, there are lenders who specialise in auction finance. This is much quicker than obtaining a commercial mortgage but interest rates are higher due to the short-term nature of the finance. Usually, owners will remortgage in due course on to a standard commercial mortgage
Some lenders will give you an agreement in principle prior to an auction, this usually has conditions such as the type/condition and price of the property.
Bridging Finance
This type of lending covers any short-term finance to cover building and development costs. Usually, this type of property finance runs for 3-24 months with interest charged on a monthly basis.
Used to cover the funding gap where a property has been purchased and the mortgage is not in place.
Development Finance
Development finance covers both land purchase and building costs. A lender will look to finance a percentage of the land purchase and the building costs.
The Gross Development Value (GDV) will show the return on the project at the end of the development, whether it is a refurbishment of an existing property or a full build of a property from an empty piece of land. Lenders are repaid from the first properties sold.
You need to assess your project as to costs, land purchase/build costs/sale costs in best and worst scenarios. You then need to find the right finance to take the project forward at the outset.
One of our recent clients was looking to purchase new premises for their business.
They wanted to transfer their existing business to their new premises from the current place they work and pay rent.
The smart move was coming to us first.
The Solution
After our own information gathering and structuring, we approached the lender as our client’s broker.
We provided the full story and the relevant information in the proper way and we obtained a great deal!
The Result
Our client has been offered a 20-year, 100% mortgage! They can now buy their new premises and work exactly where they want to.
The Problem
We were recently approached by a new client for some help with buying the freehold of their existing practice. They wanted to have a chat to see if the deal they were being offered by their present bankers was the best they could get.
It’s important to understand that a lender will only be able to offer what they have. They cannot and will not direct you to a better deal elsewhere. In most cases, they are not even aware of a better deal elsewhere!
The Solution
As we are independent of any lender or sales agent, we have the ability to shop around on our clients’ behalf and find a range of suitable deals. More often than not, we will be able to find better deals and terms than a client will be offered directly by a lender.
This is down to our extensive network of lenders, our ability to negotiate terms and our experience with putting together successful applications.
This is exactly what we did.
The Result
Having collected information on the practice like the goodwill value and EBITDA, we were able to provide the client with two better offers.
This resulted in them placing the property purchase with a second lender and, having spoken with their accountant, they placed the property into a separate limited company on our advice.
“Looked after us throughout the process of investing in dental practice … extremely approachable, methodical and most of all professional. He used language we could understand and no task was too onerous or complicated. He saw opportunities when others saw hurdles. Communication is one of his strongest points and doing so in a clear and concise way helped us immensely. I strongly recommend … Samera.”
Five stars
Commercial Loans for Healthcare Businesses
We’ve been helping to fund the future of British healthcare businesses for over 20 years and our team are made up of former bankers with decades of experience in the UK’s healthcare lending sector.
You can find out more about working with Samera and the financial services we offer by booking a free consultation with one of the Samera team at a time that suits you (including evenings) or by reading more about our financial services at the links below.
We do not charge you for help sourcing asset finance
The Samera Finance team is made of of former bankers, with decades of experience in the UK’s healthcare financial lending market.
We have access to many asset finance providers, including the major banks as well as the specialist asset finance companies. When purchasing an asset it is always best to test the market and see what is available, rather than just approaching one lender.
We can help you find the best options to finance healthcare equipment, machinery, vehicles and consumables. We make no charge to you for the sourcing of these loans.
If you are buying equipment for your business, from computer systems to larger equipment such as scanners and chairs, then consider financing this over a period of years, rather than paying this out of cash flow and perhaps putting a strain on your bank account.
Asset finance can be structured over a number of years (3-5 years usually) to assist you in managing your finances and providing you with a regular monthly payment.
You can also use this type of finance for vehicle purchase. Even if you have already obtained a quote – obtain some comparisons to make sure you get the best deal.
Worked very hard to help us complete our arrangements. We presented him with several issues that he managed to find a solution to every time and always gave us the best way possible. Always professional, efficient and helpful in our dealings with him.
Join the Dental Buying Group to Save Money on Assets
The Samera Alliance Dental Buying Group is FREE to join.
When you join the Dental Buying Group, you get exclusive discounts on the consumables, products and equipment you need to build and grow your dental practice.
Simply join the group for free and you’ll benefit from reduced prices. It really is that simple!
Not only do you get products cheaper, we’ll find you the finance to purchase them FOR FREE!
At no cost to you – Samera Finance makes no charge to you to source the finance.
We will obtain several quotes for finance on the assets you need to purchase. You will benefit from:
Simple information gathering.
You get a wider view of the market.
A choice of competitive quotes.
So think carefully when buying assets and consider whether a cash purchase will place a strain on your cash flow.
Further information on business loans
We’ve been helping to fund the future of British healthcare businesses for 20 years and our team are made up of former bankers with decades of experience in the UK’s healthcare lending sector.
You can find out more about working with Samera and the financial services we offer by booking a free consultation with one of the Samera team at a time that suits you (including evenings) or by reading more about our financial services at the links below.
Tax loans can be obtained to repay tax liabilities where profits have increased or the money set aside has had to be used for something else.
Tax loans are payable over one year and rates vary between 8% and 12% – the short-term nature of these loans reflect the higher interest rates to provide a return for the lender. Samera Finance makes no charge to you for this sourcing of tax loans.
Brilliant Team – Both my wife and I were new to the Dental Market, the support we received … was simply amazing. He understand your needs based on a consultative approach, craft a solution in accordance to the needs which is quite rare to see. I have no hesitation in recommending … Samera as a go to place.
⭐⭐⭐⭐⭐
Education loans can also be obtained to cover the cost of courses and professional education. Many clients fund these through credit cards and this is often an expensive way of dealing with these costs.
We’ve been helping to fund the future of British healthcare businesses for over 20 years and our team are made up of former bankers with decades of experience in the UK’s healthcare lending sector.
You can find out more about working with Samera and the financial services we offer by booking a free consultation with one of the Samera team at a time that suits you (including evenings) or by reading more about our financial services at the links below.
We are commercial finance brokers but often as part of a commercial deal funds need to be raised from a residential property.
In some cases, clients just want to review their existing residential mortgage costs, which at this time of low-interest rates is a sensible move.
Very quick to get me the finance I had struggled for several years to get. I will definitely be using this service again in the future!
⭐⭐⭐⭐⭐
We utilise the services of a residential mortgage broker, we can provide them with the information that they require and once we have established what can be achieved they will deal with you directly.
We have recently introduced several clients who have been seeking higher mortgages to utilise the funds for other projects and for those who want to reduce their current interest costs.
We’ve been helping to fund the future of British healthcare businesses for over 20 years and our team are made up of former bankers with decades of experience in the UK’s healthcare lending sector.
You can find out more about working with Samera and the financial services we offer by booking a free consultation with one of the Samera team at a time that suits you (including evenings) or by reading more about our financial services at the links below.
Helping Dentists buy and sell practices for over 20 Years.
Dental Practice Mergers
Dental practice merger decisions can be intimidating and perplexing. It might seem like a good deal, but without a proper assessment of the proposition, you might be inviting trouble. Therefore, it’s essential you obtain specialist help in this area.
To help you make the right decision, our experienced team of advisors can help you assess each opportunity, whether you are buying or selling a practice. Our approach includes:
A detailed review of the proposition
Analysis of the practice/business current service and structure
Designing of an implementation plan
Identifying any potential difficulties or abnormalities in the deal
Constructing a robust plan to assist you in buying or selling the business
We will ensure that the above is executed and delivered. We have extensive experience and expertise in providing full support in terms of financial advice and transition plans.
To know more about dental practice mergers service, please get in touch with usor book a free consultation.
We have a great relationship with advisors at Samera. We are in middle of a purchase. Samera advisors are doing an amazing and thorough job, from assessing practices, obtaining loan to providing accounting services … very patient, understanding and considerate. Overall, very happy with the service and would highly recommend.
Five stars
Precise Valuations
If you are looking to sell or acquire any dental business, it is important to seek out expert knowledge and advice on valuations.
At Samera, our approach is realistic, yet practical.
We carry out assessments to determine the actual market value of the business you are looking to sell or buy. Based on the analysis we present you with various scenarios, helping you to make an informed decision.
Our approach encompasses a whole range of technical valuation techniques including EBITDA multiples, net cash flow, turnover % and also net assets calculations. As an experienced firm in the field of dental practice accountancy and finance, we are perfectly placed to help clients with valuations of practices.
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
The Samera team is a seasoned player in providing a due diligence service to buyers of dental practices. Our experts have combined the experience of over 20 years in buying, selling and setting up dental practices. We understand the business of dentistry implicitly so we can help you in assessing all the financial aspects of a dental practice.
Arun Mehra CEO
Services
Our approach is rigorous yet realistic, as not all dental practices financial management systems are the same. We request key information in the form of checklists, and then run through all aspects of the target practice financials in detail.
We provide support in reviewing all financial and tax records, system reviews and overall business assessments.
As dental practice owners ourselves, we have extensive knowledge of dental practices and the issues they face. We know the areas to look for problems and, of course, we know the right questions to ask.
Our Checklist
If you are an individual or represent an organisation that is considering a deal then you need to ensure that you thoroughly check all the assumptions that you are making in that deal.
Financial due diligence can provide peace of mind to buyers, by analyzing and validating all the financial, commercial, operational and strategic assumptions being made.
It can utilize past trading performances to form a coherent view of the future and confirm that there are no potential pitfalls involved in any transaction.
The key components of financial due diligence in any acquisition of a dental practice are investigating, verifying and understanding:
The financial affairs of the target practice, including valuations
The market the practice operates in
The commercial sustainability of the business
The operational structure, including internal processes and systems
Any synergistic opportunities or savings arising out of acquisition
A sensible deal structure
Due diligence can also provide the framework for constructing a realistic strategic plan for the newly acquired business by highlighting and commenting on any inherent weaknesses or strengths, as well as identifying potential opportunities for new growth or exploitation of new markets.
Samera is a fantastic team, and always had a good experience every time I reached them.
Five stars
Due Diligence with Samera
Set out below are the areas to be covered in the financial due diligence investigation report in relation to the proposed acquisition of the shares of the Target. The information below is to be prepared for the last two financial years and for the period to the latest available management accounts.
Description of the Business
Discussion and understanding of the business activities;
Commentary on the registration with CQC;
Summary of the premises from which the business operates.
History and Background
An understanding of the history of the business and the vendors;
Identification of key aspects of the development of the business;
A review of the historical accounts and explanation of the key changes in financial performance.
Income and Revenue
An analysis of income by:
Location/Site
Type (to include, Fee per item (with a breakdown of specialist), Plan, NHS, Sundry)
Principal/Associate/Hygienist
Details of any fee/rate increases applied during the last financial year and the period to date.
Details of the method of allocating fee income within the profit and loss account and the appropriateness of the method adopted;
An overview of the NHS contract(s);
Analysis of UDA/UOA performance and rate (for the last five years), together with a review of the recognition of under performance and monies clawed back;
Verification of income to DPB Statements, including review of patients’ charges, remissions and superannuation deductions;
Analysis of the number of “live” patients over recent years (where available);
Summary of treatment charges.
Expenditure – Direct Costs
Material costs and benchmarking;
Review of suppliers and key terms and rebates;
Laboratory costs and terms;
Provision of sufficient data for you to be able to determine synergistic benefits.
Expenditure – Staff Costs
Details of current number of staff/associates, type of “employment”, job title/description, qualifications, hourly rate/salary, associate rates, overtime rates, holiday entitlement and arrangements, sick pay, long service awards, length of service and any other benefits;
Consideration of the timing and impact of pay reviews;
Consideration of locum usage;
Details of all ancillary and administrative staff functions, and details of anticipated recurring cost for this;
Details of the roles that the current owners (and family) fulfil in the Company, and the potential cost of filling these roles where required;
Comparison of actual payroll costs to expected costs calculated by reference to the above analysis.
Expenditure – Other
A review of the detail within the profit and loss account of the business for the last two financial years, together with latest management accounts, commenting upon changes and trends within these accounts;
Comparison of actual fixed and variable costs to expected levels and consideration of costs included in the historical nominal ledgers;
Identification of: professional fees; audit and accountancy; repairs and renewals; equipment hire; finance costs; and other possible non-recurring costs incurred by the current business;
Identification of costs relating to the vendors that might not be on-going and analysis of costs required on an on-going basis, to include amongst other things rent and other property costs.
Balance Sheet
A review of the balance sheet of the Target at the dates of the last statutory accounts and the latest management accounts;
Comment on any unusual or non-trading items; any significant off balance sheet items and intangibles;
Fixed assets:
Analysis by type and location;
Basis of valuation;
Depreciation rates;
Detailed fixed asset register including values.
A review of the debtor balances (trade and other) included within the historical accounts, commenting upon ageing provisions against receivable, policies in relation to invoicing and
agreement of client funding, etc.;
A review of the stock balances included within the historical accounts commenting upon the ageing of stock and the appropriateness of the figures included within the accounts;
Summary of creditors (trade and other) and its constituent parts, together with an analysis and commentary thereon;
A review of assets held under finance leases and other financing arrangements;
A summary of other assets and liabilities, including a review of unusual items and significant fluctuations;
Analysis of provisions and an assessment of liabilities, litigation and claims;
Comment on any balances owed by or to the vendors or associated entities that will require consideration as part of the deal structure.
Cash Flow
A detailed analysis of working capital movements and trends, and reasons for cash movements in historical accounts.
Taxation
Review PAYE/NI liabilities, enquiry/inspection visits and most recent correspondence;
Consideration of whether the business is or has been registered for VAT, together with Enquiries/inspection visits and recent correspondence;
Analyse the corporation tax computations since the date of incorporation (or the last six years, whichever is the shorter) and comment on the corporation tax status of the company, including a review of any investigations by HMRC (if applicable);
Consideration of elections and tax planning exercises carried out by the target;
A review of “tax sensitive” categories of expenditure within the company, to highlight any potential liabilities;
Review of incorporation documentation (if applicable) to include GDC approval of Company Name.
Insurance Cover
Summary of the policies held by the business;
A summary of the levels of cover held in order that the acquirer and their broker may assess their likely on-going cost and actions required post completion.
Systems Review
Identification of key reports prepared by management and operational staff;
Discuss accounting and practice management system with management. Key areas include:
New patient procedures
Income recording and recognition process
Expenditure recording and recognition process
Wages and salaries (including self employed individuals)
Cashbook
Petty Cash
Nominal Ledger
Computing system and software packages
If you want to find out more about due diligence when buying a dental practice, book a free call with us today. We will explain the process, what you need to do next and how we can help.
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
Samera is a Xero Gold Partner firm with an extensive set of clients using Xero, the leading cloud accounting platform.
Bookkeeping Support Services for Dentists
Our team of expert bookkeepers are accurate, swift and experienced in bookkeeping and preparing management information for our clients on a timely basis. We deal with all sizes of dental practices and use the latest technology available to ensure accuracy and speed while keeping costs low.
Xero Cloud Accounting for Dentists
Samera is a Xero Partner firm with an extensive set of clients using Xero.
As a leading Xero Partner for Dentists, Samera can offer:
Management accounts
Processing payments and receipts
Supplier payments
Payroll
Credit control and debt collection
Helping you better understand your practice
Samera have been my accountant for 7 years and have continued to provide me with accurate accounts and timely submissions. Their digital workflow eases the management of receipts and filing. I have found them to be supportive and knowledgeable particularly during the recent crisis. Thank you.
Five stars
Cloud Accounting Benefits for Dentists
Collaborate in the cloud
Bringing more heads to your books is easy with Xero. Just give us access and we’ll log in, look at your numbers and give you advice.
Reconcile from anywhere
Xero receives your bank statements automatically via a secure connection, making it a breeze to reconcile and gain a complete and up-to-date snapshot of your business.
Mobile access
Access accounts, check balances, upload receipts and invoice customers from your smartphone or tablet with Xero’s iPhone or Android app.
Automating your Bookkeeping
For further information about Xero, or to discuss how Samera Chartered Accountants can assist, please get in touch or contact us via our online form.
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
Winning an NHS Dental Tender can be a very daunting and complex process. It takes patience, experience and investment to ensure you have the best chance of winning an NHS Dental tender.
Over the years we have been commissioned by Dental and Orthodontic Practices to provide professional support to their practices during the tendering process. We have worked with practices in preparing tender submissions for General Dental, Orthodontic and Specialist Services (e.g. Minor Oral Surgery) for existing and new services.
When commissioning NHS services for a large geographical area, an NHS England Commissioner will initially invite expressions of interest. Pre-qualifying questionnaires will seek to demonstrate how contractors are to provide quality services that offer value for money.
In addition, you will be expected to demonstrate within your tender submission, how you intend to deliver your Dental/Orthodontic/Specialist Dental service in line with best practice and also with reference to NHS England’s approved national policy documents.
When you enlist our expert services, you gain our team’s extensive experience, a fast turn-round of material and a focused, personalised approach that has made a difference for many dental and medical practices across the UK.
Over recent years, we have seen the demand for NHS Dental contracts grow. This has meant increased competition for UDA’s and the need for a business team to submit a winning tender.
Amazing and valuable resource for both our tender application and providing excellent advice on how to grow and expand our business which goes well beyond what was expected. The amount of work that goes into submitting a tender is not easily realised until going through the process and having [Samera] guide us throughout with the confidence required gave us the peace of mind that we submitted the very best tender possible.
Our team possess extensive experience in the whole NHS tendering process for dentists. In outline, we can help in the following areas:
Pre-Qualification Questionnaire (PQQ)
At this initial stage, the PQQ requires a series of questions from an organisation’s general information to financial information to management facilities for potential bidders to answer.
We can help you in this by providing the required information in the prescribed format.
Invitation to Tender (ITT).
If you are invited to tender, then you are required to submit your ITT document in full by a defined date. This is typically a time-consuming exercise which requires inputs from many sources. Our experience has shown that many dentists will not have the experience or knowledge of how to submit a formal tender.
As specialists in the Dental Sector, we have considerable knowledge about submitting ITT documents.
Dental Contract Award
At this stage, the selected applicant has to go through a long panel interview process against the counterpart (generally/normally 5). Also, such interviews can be more than 1 until the supplier is the convinced. We can help in preparation for such interviews to avoid the disappointments at this final stage.
Setting Up In Practice
After the contract award stage, the successful contract winner may need to set up the practice to commence the business/services.
We can help here by providing our valuable setting up a practice, full practice management and management accounting services at an additional cost.
Commencement / On-going services.
At this live business stage, we can monitor and assist in the business and financial performance of the practice on a regular (monthly) basis should you choose to use our Samera Finance Director services. In addition, we can help in the NHS contract renewal process.
We will help you through each stage of the NHS dental tenders process
From financial and business planning to understand the local population demographics, through pre-qualifying questionnaires and preparation of your tender submission bid. In addition, after your Practice has been shortlisted for an interview we will help you prepare for the final interview with the NHS England Area Team/Health Board.
Our experts have won general dental contracts, orthodontic contracts, oral surgery contracts to name just a few and have extensive experience to help dental and medical professionals win NHS tenders.
Our principal activity is assisting clients with submitting competitive and convincing pre-qualification questionnaires (PQQ’s) and invitation to tenders (ITT’s) for public and private sector contracts.
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
Accountancy goes the extra mile to solve your problems. Overall Samera is a fantastic team, and always had a good experience every time I reached them.
Five stars
Tax Planning for Dentists
Our team at Samera has extensive experience in offering a whole array of tax planning for dentists and their businesses.
Whether you need help with your personal taxes, business finances, tax investigations or tax loans, it is essential you use a dental accountant who understands the industry.
As dental practice owners ourselves, we know exactly how to handle, plan and process taxes for dentists. We specialise in tax planning and identifying money-saving opportunities for both dentists and practice owners.
Our experts will help plan, implement and process your taxes to ensure you only pay exactly what you need to.
Areas we can usually identify tax savings include:
Structuring payroll for Directors
Profit extraction planning
Use of assets, i.e., company car and capital allowances
Claimable expenses
Company restructuring
Dividend planning
Future growth prospects
Succession planning
Anything specific related to the shareholding and matters of interest
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
Research and Development (R&D) tax credits are a form of tax relief offered by the UK Government aimed at fostering investment into new science and technology in varying industries. R&D tax credits are available to businesses who have invested in advancing research and development in their field.
To qualify, the project must seek to advance the science and technology of your company’s industry, i.e. dentistry.
Your project must:
look for an advance in science and technology
have had to overcome uncertainty
tried to overcome this uncertainty
could not be easily worked out by a professional in the field
If your practice has invested in a research and development project, you may be eligible for corporate tax reduction or a cash benefit.
19/20 was my first year with Samera and I wish I had come to them sooner! Thank you!!
Below are a list of examples of projects that could count towards Research and Development tax relief.
Projects aimed at improving clinical results and success rates
New bonding materials and processes
Research into different bone grafting techniques
Technological advances in 3D printing
Trials in decontamination
What R&D Tax Relief Is Available
Dental Practices tend to fall under the Small to Medium Enterprise (SME) category. As such, dental practices that have invested in R&D projects are eligible for the Small and medium sized enterprises (SME) R&D Relief.
SME R&D Tax Relief entitles companies to:
Deduct an extra 130% of their qualifying costs from their yearly profit – (with the usual 100% deduction this makes a 230% total deduction).
If the company is making a loss you can claim a tax credit worth up to 14.5% of the surrenderable loss.
Do I Qualify For R&D Tax Relief?
With the 31st July tax payment deadline approaching, now is the perfect time to find out whether you and your practice are eligible for Research and Development tax credits.
If your practice has invested in any R&D projects, or indeed if you plan on doing so in the near future, you may be entitled to tax relief.
Contact Samera now if you are unsure if your business qualifies, or if you need assistance in claiming your compensation.
Benefits of R&D Tax Relief – An Example
The example balance sheet below shows just how much in the way of savings you can make by claiming for R&D tax relief.
In this example, you can see that the owed corporation tax without an R&D tax credit would total £47,500.00. However, the same bill with an R&D tax credit claim woulds only total £22,800.00.
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
Sign up now to take advantage of our Tax Enquiry and Investigation Service.
Every year, HMRC carries out enquiries into the tax affairs of an increasing number of individuals and businesses in the UK. Many people find an HMRC enquiry disruptive, intrusive, stressful and ultimately expensive.
By joining our Tax Enquiry and Investigation Service, you will benefit from the peace of mind that comes from knowing you are protected.
Our service will pay our professional fees that result from most types of HMRC enquiries or full investigation (full details are listed on the Service Summary).
We have taken out an insurance policy in our own name that is backed by Professional Fee Protection Limited (PfP®), one of the UK’s leading providers. Our policy enables us to provide you with expert advice and peace of mind knowing we will work on your case to resolve the situation up to our service limits.
By signing up to our Service, we are able to make a claim against our insurance policy held with Professional Fee Protection, in respect of our fees incurred (up to £100,000 per claim unless otherwise indicated) when we defend you if you are subject to any of the following events:
As dental practice owners ourselves, we know what makes a clinic tick. We have been working with dentists for over 20 years to help manage their accounts and tax.
Whether you’re a dental associate, run your own practice or own a dental group and are looking to save time, money and effort on your accounts and tax then we want to hear from you. Our digital platform takes the hassle and the paperwork out of accounts.
To find out more about how you can save time, money and effort on your accounts and tax when you automate your finances with Samera, book a free consultation with one of our accounting team today.
For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on YouTube, Facebook and Instagram.
Is it time for a check-up of your business’s financial health?
Your patients need a check-up of their health from time to time to get an overview of how they are doing, what they need to work on and how to solve any issues.
Businesses are no different.
It is essential to get an expert to look at the financial health of your business periodically. Just like with your patients, sometimes there will be little financial aches and pains in your business. Sometimes there will even be bigger, hidden problems that are just waiting to get worse.
You’ll probably not realise it until it’s too late if you don’t have a professional take a look.
Contact us for a free health check
Spending Analysis
Our money-saving experts with the Samera Alliance will perform a full spending analysis for your business. We will look at how much you are spending on everything from consumables and PPE to your utilities, rates and IT services.
We will identify any areas where we think you can optimise your spending.
Our partners with the Samera Alliance offer exclusive discounts to our members for almost any product or service your business might need.
We will not only let you know where you are spending too much money, we’ll even find you a cheaper option for your expenses.
Are you claiming everything you should be on expenses? Are your accounts structured properly to save you time and money? Are you paying more than you have to on your tax bill?
During your financial health check-up, our accounts and tax experts will identify any improvements that can be made in your cash flow, accounting procedures and tax structures.
We can help plan, structure and process your accounts and tax to make sure you are saving money and your business ready to scale.
Our in-house commercial finance brokers, Samera Finance, are experts at restructuring and renegotiating debt to ensure that your cash flow is as healthy as it can be.
We will look at your current debt repayment terms and identify the best ways to restructure them to get you the best deal and repayment schedule for your business.
Debt doesn’t have to mean crippling repayments. It certainly does not have to mean your cash flow is hamstrung.
We will find a better deal, negotiate the terms and help source the best loans to suit your individual case.
One of the most overlooked aspects of a business’s financial health is the security of its data.
Gone are the days where a good, solid lock on a physical safe could keep your important documents safe. Now, you need a good, solid cyber security strategy.
Our cyber security experts will analyse your business’s online security and identify any areas in which we think your business, data or patients are vulnerable from cyber attack.
We will then be able to recommend the best software to protect your data and we can also train your staff, turning them into a human firewall.
Our team of specialist accountants and tax experts can help manage, process and structure your business’s finances. From management accounts and payroll & pensions to tax planning and cash flow management, we can take care of the full back-office function of your business.
Book a free, no-obligation consultation with one of the team to find out how we can make your accounts & tax easier, quicker and cheaper.
