Service Categories: Business Loans For Dentists

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:

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.

Case Studies

Broker Can Get You Better Deals

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.

Five Stars

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.

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 Property Finance in Buckinghamshire
• Commercial Property Finance in Essex
• Commercial Property Finance in Hertfordshire
• Commercial Property Finance in Kent
• Commercial Property Finance in Surrey

Case Studies

20-year, 100% Mortgage

“Mr Nigel Crossman has looked after us throughout the process of investing in dental practice. We first made contact with Nigel and he was 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 both Mr Crossman personally and Samera.”

Five stars

Finding a Better Offer