Samera Finance

Amount

Term

Monthly Repayments:

2.5%

Total Cost:

2.5%

*Calculations are indicative and intended as a guide only. Based on the average rate of our lowest risk businesses. Excludes loan origination fee

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How much could you save?

If you are seeking finance for your dental, pharmacy, vet or healthcare business, Samera Finance can assist you in securing the right loan on the best finance terms using our extensive years of banking and financial experience in the healthcare sector. All or team are experienced ex-healthcare bankers.

Samera Finance works with lenders across the whole UK market and we can ensure you get a finance deal that is right for you. We have found the lowest interest rate being offered is not always the best deal available, as there may be other conditions of the loan that do not suit your needs.

Simply sign up, let us know some key information and once your application is completed and approved, we’ll get to work finding you the right business loan (facilities) for your healthcare business. The process is easy, quick and secure so apply now to start, buy or grow your business.

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Click here to read our article on A guide to tax loans


Debt refinancing with Samera

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 LoanRefinanced Loan
£800,000£800,000
Term 20 yearsTerm 20 years
Rate 4% (plus base) = 6.25%Rate 2.4% (plus base) = 4.65%
Monthly repayments = £5844Monthly repayments = £5196
Total repayments = £1,403,520£1,230,240
Savings£173,240

Speak to an expert

Nigel Crossman

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Nigel

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Dan Fearon

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Dan

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“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!”

“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.”

“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!”

More on healthcare finance

  • Financial Health Check-up

    It’s time for your financial health check-up, we will analyse your spending and cash flow to identify the areas where we can save you money.

    Read more

  • Acquisition Finance

    You need to ensure that you get the best finance deal available in the market when investing in your own business.

    Read more

  • Refinancing

    We tend to review our car and house insurance costs on a regular basis but seldom look at the costs of our borrowing.

    Read more

  • Property Finance

    There are many different products available to finance commercial property purchase and development.

    Read more

  • Asset Finance

    We can help find you the best price and the right terms for your business. We do not charge you for sourcing asset finance.

    Read more

Become a partner

  • Suppliers and Partners

    By working with Samera, you can ensure your clients get the finance they need, when they need.

    Read more


FAQ’s

Do you have further questions?

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 is a healthcare business loan?

A healthcare business loan is finance that a healthcare business borrows to fund the start, running or growth of their business, such as for buying equipment and assets to aid their business.

A personal loan can be used for non-business purposes such as purchasing a new home or maintaining a car, but not for business purposes.

A business loan allows you to borrow money from financial lenders and use the money for purely business-related costs and projects.

What different kinds of healthcare business loans are there?

There are several different forms of business loan available to your healthcare business. Which business loan is right for you 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 healthcare business, buy shares in an existing business or buy a second business, you will most likely need to borrow acquisition finance.

Asset finance:

Asset finance is a business loan raised to fund the purchasing, renting or maintenance of business assets like equipment or any other assets that help your business function, such as vehicles.

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 healthcare clinic or a new premises for your business. 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 for your healthcare business, you borrow the money in a lump sum and pay it back in instalments (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 healthcare 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. Get your applications, your financial forecasts and your business plan right and we can help you find the right business loan for your healthcare company.

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.
  • Ability to repay any loan.
  • Personal savings
  • Tax payment records.

To find out more about making sure your loan application is successful, click here.

I’ve been denied a healthcare business loan before, can I still apply?

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 healthcare business loan?

Applying for a healthcare 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 healthcare business is easy when you use Samera Finance to do the hard work for you.

How much can I borrow for my healthcare 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 healthcare finance business loan?

The interest rate you get will vary case by case, as well as varying between the different lenders too.

The average interest rate for a healthcare business loan is typically around 2.85% – 3% for a purchase. 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 healthcare 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.

Dental Buying Group

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Join

the Samera Alliance Group

Piggy Bank

Save

money on your consumables and products

Graph

Grow

your profits


Why join our Dental Buying Group?

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?

Mask

Save money on Consumables
and Equipment

Devices

IT Infrastructure

Scanner

Digital Scanners

Umbrella

Indemnity Insurance

Software

Software For
Your Practice

Bolt

Review Energy and
Business rates

Checklist

Dental Compliance

Health and Safety

HR and
Health and Safety

Samera Alliance Partners

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.

FAQs

Do you have further questions?

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.

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.

Tax and Education Loans

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 from Nigel 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 Nigel and Samera as a go to place.

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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.

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.

Residential Mortgage Loans

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!

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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.

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.