Financial Health Check-up

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. 


Financial Health

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. 

Click here to find out more about saving money


Accounts and Tax

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. 

Click here to find out more about our accounts and tax services


Debt Structures

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. 

Click here to find out more about Samera Finance


Cyber Security

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. 

Click here to find out more about cyber security


Financial Health

Contact us for a free health check


Further Information on Accounts & Tax

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.

For all our previous articles, webinars and video updates, subscribe to our YouTube channel and follow us on Facebook, LinkedIn and Instagram.

Acquisition Finance

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 Nigel Crossman 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 is registered with the FCA (Financial Conduct Authority) and is also a member of the NACFB (National Association of Commercial Finance Brokers), as well as being a panel member of all the major lenders, which enables us to introduce clients to them.

Acquisition Finance with Samera

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:

Click here to read our article on How to finance a healthcare business.

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.

For more information on raising finance for your healthcare business, including more articles, videos and webinars check out our Learning Centre here, full of articles and webinars like our How to Guide on Financing a Dental Practice.

For all our previous webinars and video updates, subscribe to our YouTube channel and follow us on Facebook and Instagram.

Refinancing

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.

Nigel 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.

Click here to read our article on how to finance a healthcare business.

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.

For more information on raising finance for your healthcare business, including more articles, videos and webinars check out our Learning Centre here, full of articles and webinars like our How to Guide on Financing a Dental Practice.

For all our previous webinars and video updates, subscribe to our YouTube channel and follow us on Facebook and Instagram.

Property Finance

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.

NACFB Commercial Brokers Awards 2022 Finalists

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. Nigel 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.

Click here to read our article on how to finance a healthcare business.

Property Finance in SE England

For more information on raising commercial property finance for your business in SE England, please choose from the following links:

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.

For more information on raising finance for your healthcare business, including more articles, videos and webinars check out our Learning Centre here, full of articles and webinars like our How to Guide on Financing a Dental Practice.

For all our previous webinars and video updates, subscribe to our YouTube channel and follow us on Facebook and Instagram.

Asset Finance

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.

Dan 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.

5 stars


Join the Dental Buying Group to Save Money on Assets

Rocket

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!

So why use a broker for asset finance?

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.

Find out more

For more information on raising finance for your dental practice, including more articles, videos and webinars check out our Learning Center here, full of articles an webinars like our How to Guide on Financing a Dental Practice.

For all our previous webinars and video updates, subscribe to our YouTube channel and follow us on Facebook and Instagram.