Offshore Dental Team Support

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.

Financial Systems Implementation into your Dental Practice

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.

Practice Management

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

  1. Cloud Accounting Software Subscription
  2. Financial Health Checkup
  3. Finance Director Services
  4. Management Meetings
  5. Advance Tax Planning and estimation
  6. Dental Buying group
  7. Financial & Management reporting
  8. 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.

Learn more

Health Checkup

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.

Learn more

Financial Director

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.

Learn more

Financial Due Diligence

We provide support in reviewing all financial and tax records, system reviews and overall business assessments.

Learn 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.

Dental Accounts & Tax: Further Information

For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on FacebookLinkedInYouTube and Instagram.

Tax for Dental Practices

We are one of the UK’s leading specialists in tax for dental practices and are trusted by countless practice owners across the country.

Our expert team can help start-ups, established practices and dental groups of all sizes plan and process their accounts.

We specialise in helping our clients identify savings in their accounts and tax, helping you increase your profits.

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

You can find out more about tax saving strategies for dentists here.

We can help with:

  • Tax Return
  • Tax Planning
  • Tax Investigation Cover
  • Tax Investigation Support
  • Expenses 
  • Incorporation Assessment
  • Incorporation Advice
  • PAYE Registration
  • Corporate Tax
  • Personal Tax Return
  • Partnerships & LLP Tax Return
  • Annual accounts & Tax Return (Non-resident Landlord)
  • Value Added Tax (VAT)
  • P11D Service
  • De-registration of PAYE scheme
  • S455 reclaim process, application and submission
  • Business Tax Planning & Advice Meetings
  • General Add on (Charity, CIS, Property, Capital taxes or other)
  • Personal Tax Planning & Advice
  • Trust & Estate Tax Return
  • Capital Gains Tax
  • Inheritance Tax
  • Making Tax Digital

Tax Investigation Cover

Protect your business and manage risk by signing up to our Tax Enquiry and Investigation Service.

Learn more

Making Tax Digital

Automate your dental accounts and tax when you go digital with our specialist dental accountants.

Learn 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.

Dental Accounts & Tax: Further Information

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.

Accounts for Dental Practices

Samera is a Xero Gold Partner firm and one of the UK’s leading specialist accountants for dental practices.

As dental practice owners ourselves, we understand how to process, manage and plan accounts and tax for dental practices better than anyone else.

  • Practice Profitability Analysis: Understand the financial performance of your practice with our detailed profitability analysis. We help you identify areas for growth and improvement.
  • Cash Flow Management: Efficient cash flow is the lifeblood of your practice. Our services ensure that your cash flow is managed effectively, helping you plan for both short-term needs and long-term investments.
  • Tax Planning and Compliance: We offer specialised tax planning strategies that are tailored to the unique needs of dental practices. Stay compliant and minimise your tax liabilities with our expert guidance.
  • Business Growth Strategies: Whether you’re looking to expand your practice or enhance its current operations, we provide strategic financial planning to help you achieve your business goals.
  • Equipment Financing and Budgeting: From upgrading your dental equipment to renovating your practice, we assist in planning and financing these investments, ensuring they align with your budget and financial goals.
  • Succession Planning: For long-term success, we offer succession planning services to ensure a smooth transition when you’re ready to pass on the reins of your practice.

We can help with:

  • Management accounts
  • Processing payments and receipts
  • Supplier payments
  • Payroll
  • Credit control and debt collection
  • Bookkeeping
  • Fraud prevention 
  • Accounts payable service
  • Associate pay calculator
  • 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

Our Dental Practice Accounts Services

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.

Compare all plans


ExpandGrowKick-Start
Operational Accountancy Services
BookkeepingTick checkmark iconTick checkmark iconTick checkmark icon
Book-keeping softwareTick checkmark iconTick checkmark iconTick checkmark icon
Tracking categoriesTick checkmark iconTick checkmark iconTick checkmark icon
Payment runMonthlyMonthly
Monthly payroll All employeesAll employeesAll employees
Balance sheet reconciliationsMonthlyMonthlyQuarterly
Management accounts (P&L, balance sheet)MonthlyMonthlyQuarterly
Dedicated Payroll managerTick checkmark iconTick checkmark iconTick checkmark icon
Dedicated finance inbox managementTick checkmark iconTick checkmark icon
Independent preparer/reviewer segregation of dutiesTick checkmark iconTick checkmark iconTick checkmark icon
Associate Pay CalculationTick checkmark iconTick checkmark icon
Supplier PaymentsTick checkmark iconTick checkmark icon
Xero-feed dashboardsTick checkmark iconTick checkmark iconTick checkmark icon
Budget v actuals variance analysis (or trend analysis)Tick checkmark iconTick checkmark iconTick checkmark icon
Standard financial ratiosTick checkmark iconTick checkmark iconTick checkmark icon
Sector specific business KPIs and metricsTick checkmark icon
Monthly cash flow ‘actuals’ updatesTick checkmark icon
Advanced Tax PlanningTick checkmark iconTick checkmark icon
Advance Tax EstimationTick checkmark icon
Regular review of funding requirementsTick checkmark iconTick checkmark icon
48 hour response timeTick checkmark iconTick checkmark icon
Annual Compliance
Annual financial statementsTick checkmark iconTick checkmark iconTick checkmark icon
Corporation TaxTick checkmark iconTick checkmark iconTick checkmark icon
Company secretarial (basic)Tick checkmark iconTick checkmark iconTick checkmark icon
HMRC investigation coverTick checkmark iconTick checkmark iconTick checkmark icon
Personal Tax ReturnsTick checkmark iconTick checkmark iconTick checkmark icon
P11DTick checkmark iconTick checkmark iconTick checkmark icon
Data integrity and set up
Sector specific chart of accountsTick checkmark iconTick checkmark iconTick checkmark icon
Samera Alliance – Dental Buying Group
Access to Level 1 – Dental Buying GroupTick checkmark iconTick checkmark iconTick checkmark icon
Book a Discovery CallBook a Discovery CallBook a Discovery Call

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.

Click here to read our article on Dentist and Dental Associate Expenses Guide


Accounts for Start-ups

Our specialist dental accountants are experts at helping dentists set up their accounts, manage their finances and organise their tax.

Learn more

Accounts for Groups

Do you run a dental group? Are you seeking to run a much more efficient, cost-effective accounting function? We can help.

Learn more

Pensions and Payroll

We can process the payroll and pensions for your staff.

Learn more

Accounts Payable

We use Xero and Wise to create an efficient accounts payable department for dental practices.

Learn 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.

Dental Accounts & Tax: Further Information

For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on FacebookLinkedInYouTube and Instagram.

Company Management for Dentists

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:

  1. Incorporation Assessment
  2. Incorporation Advice
  3. Company Formation
  4. Winding up of LLP
  5. Registered Office Service
  6. Company Secretarial service
  7. Shares transfer
  8. Creation of shareholder meeting register
  9. Debt Advisory and Corporate Restructuring
  10. 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.

If you feel need an expert in this area (which we strongly suggest) please get in touch with us!

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 and Acquisitions

Dental practice merger and acquisition decisions can be very intimidating and perplexing.

Learn more

Debt Advisory and Corporate Restructuring

Our market knowledge can help give you the best option for debt and corporate restructuring.

Learn more


Dental Practice Mergers and Acquisitions

Dental practice merger and acquisition decisions can be very intimidating and perplexing.

Learn more

Debt Advisory and Corporate Restructuring 

Our market knowledge can help give you the best option for debt and corporate restructuring.

Learn 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.

Dental Accounts & Tax: Further Information

For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on FacebookLinkedInYouTube and Instagram.

Accounts for Dental Associates

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.

5 Stars

We provide specialist, expert accounts and tax services to dentists throughout all stages of their career, from associate to dental practice owner.

As one of the UK’s most trusted dental accountants, we help countless associate dentists throughout the nation manage their finances, process their taxes and increase their profits.

Our team can help you:

  • Income Optimization: Navigating the unique pay structures in dental practices can be complex. Our team is here to guide you, ensuring that you maximise your earnings and benefits.
  • Tax Planning and Compliance: Benefit from our proactive tax strategies developed especially for dental professionals. We help you stay compliant while effectively minimising your tax liabilities.
  • Expense Tracking: Manage your professional expenses, from equipment investments to education costs, with our efficient tracking and accounting services.
  • Retirement Planning: Planning for retirement is crucial, regardless of the stage of your career. We offer personalised advice on pension schemes and savings plans, securing your financial future.
  • Wealth Management: Our experts provide tailored guidance on cash flow management, savings, and strategies for wealth growth, aligning with your personal and professional aspirations.

Our Accounts Services for Dentists:

No matter what you need from your dental accountant, we can help.

Thinking About Becoming a Practice Owner?

If you are thinking about starting or buying a dental practice of your own, we can also help you prepare for and accomplish your goals.

Our accounts services for start-ups will cover everything you need to make sure your new practice runs smoothly from payroll and pensions and bookkeeping to tax planning and financial director services.

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.

Dental Accounts & Tax: Further Information

For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on FacebookLinkedInYouTube and Instagram.

Accounts Outsourcing and Offshoring

It is becoming increasingly difficult to hire suitable financial professionals in the UK and Europe. Our accounts outsourcing team are ready and able to help you with all things accountants and finance.

Our expert team provides accounts offshoring solutions to both accountancy firms and business – no matter what their needs are.

We can help with:

Bookkeeping

Annual Accounts Production

Management Accounts

Payroll

Tax Returns

Making Tax Digital

Our expert accounting team can help you with almost any accounting requirements!


Why Outsource Your Accounts?

Saving Time

By outsourcing your accounts, you can save the time that no one wants to spend on processing the numbers. Let us do the legwork for you, allowing you to concentrate on the more important sections of running a business. Our digital, automated process takes the weight off your shoulders and ensures your finances are managed and processed professionally and efficiently.

Save Money

The age of in-house accountants for SMEs is nearing its end. It is becoming increasingly expensive and time consuming to hire dedicated in-house accountants. In fact, with the rise of digital accounting and AI, it’s also becoming increasingly unnecessary. Instead of finding, hiring and training the right person, all you need to do now is to find the right firm to outsource the headache to.

Get Expert Assistance

Our accountants are experts at what they do. Whether it be recording, processing or managing your finances, our team grants you instant access to the experience and knowledge only an expert can provide. Not only do we process your accounts, we can help make the right financial decisions at the right time. We can spot real-time issues and provide the perfect solutions.

Scale When You Need

If all goes well, your business is going to grow and you’ll need to scale your accounting function. When you outsource your accounts to Samera, you do not need to worry about how you will handle the growth. We have you covered. We assist businesses of all sizes with their finances. As your business grows, the help we provide scales with you.

Our Process for Outsourcing Your Accounts

When you offshore your accounting function to us, we follow a set process to ensure that your needs are met and your finances are looked after.

  • You are struggling to find suitable team members for your accounting work
  • You approaches us for an initial consultation
  • We work to understand your requirements and processes
  • We map out the work required and look for any potential knowledge gaps in our team
  • We train our team in the work requirements
  • We introduce you to our team to support your accounting function
  • You and our team start working together closely on projects – conversing closely via Teams etc.
  • All data is held on UK servers for security purposes
  • You are welcome and encouraged to engage with team as much as possible to ensure communication is developed and made stronger through each interaction

A Global Outsourced Accounts Team
in the UK and India

Our offering is a unique combination of both our UK experts and our Indian team of professionals. Our global team can help any business, of any size, in any country.

Thanks to our international team, there is always someone ready to answer any question and handle any issue. Our professionals in different time zones mean that you get a round-the-clock service, whenever or wherever you need us.

It doesn’t matter where you are based or what industry you work in. Our global team understand international markets, the varying needs of different industries and the solutions required to handle a truly global customer base.

Our team is UK and India based. If you have a question or concern you can discuss it with our local UK team.


Who We Help

Calculate

Accountancy Firms

We help UK accounting firms of all sizes in all areas of outsourced bookkeeping, accounts preparation, self-assessment tax returns and corporation tax returns. We can either work as a continuous extension of your office or just work on an ad-hoc basis as and when you require our service. The choice is yours!

Briefcase

Businesses

We are happy to serve UK businesses, provided you are not a client of one of our UK accounting firm clients. We serve UK limited companies of all sizes ranging from sole proprietors to businesses doing several million in annual turnover. 


Outsourcing Accounts FAQ’s

Do you have further questions about outsourcing your accounts?

If you want to ask any questions, please send us a message via our contact form.

Why should I choose Samera over any of your competitors?

Our outsourced accounts offering is unique in the industry, as we have qualified accountants in the UK and India supporting all our outsourcing client needs. Using expert accountants in both continents will ensure the quality of delivery and communication will be of the highest standard.

We have been at the cutting edge of digital and automated accounts for decades. Our process ensures you and your clients’ finances are recorded, processed and managed efficiently and effectively.

Click here to find out more about why you should choose Samera.

How would my practice begin working with you?

Initially, we have a fact-finding meeting before we commence any work. This is vital for us to understand your business or practice, so we can then understand your needs.

We are well versed in mapping out workflows, which will then become the foundation of our outsourcing relationship.

Once we have agreed on the full scope of the work involved we will then propose suitable team members and also technology requirements before we commence any work.

We are a small start-up accounting firm. Will you work with us?

Yes, absolutely. We work with accounting firms of all sizes across the UK and Europe. In fact, many firms have started small with us and grown on to become large, well-established practices. Our friendly UK and India team are available to help firms of all sizes.

We are an accounting practice. How can we trust that you will not take clients away from us?

Our goal is to support you with your accountancy needs – period. As a firm of Chartered Accountants based in the UK, we know all the issues you are facing to run an efficient profitable firm.

Trust is at the heart of what we do, so it is firm-wide policy to support our fellow clients, including accountancy firms. This means we will not approach any of your clients to take on their business.

This is our standard operating procedure. Additionally, our agreement covers all areas of mutual non-competition, non-solicitation and non-disclosure. So, you can trust us 100%.

What is your data security guarantee?

We are fully compliant to GDPR data protection regulations and we are an information commissioner’s office (ICO) registered UK organisation. 

We comply with all the latest regulations in managing data and can assure you we have strict controls in place to ensure all your data is protected.

All data remains in the UK, on UK servers.

We are a UK Limited company. We want full-service accounting and to act as our representative for any enquiries. Can you do that?

Absolutely, we can work with you as long as you are not a client of an accounting firm whom we work with. 

Our team can manage your bookkeeping, prepare and file your VAT returns, produce monthly management reports, and prepare your yearend accounts. We are registered agents with HMRC and so we can also file your accounts online, as well as manage enquiries from HMRC and Companies house on your behalf. Our expert will fulfill all the necessary statutory requirements for you acting as your accountants.

How competent and qualified are your accounting staff?

All our Indian accountants have several years of accounting experience and are formally qualified at university. They have worked on UK accounting projects for many years. All the new staff are trained for UK accounting rules and regulations by UK-qualified accountants and all work will be fully reviewed by UK-qualified accountants before it reaches you. Our UK accountants are accredited by the ICAEW, ACCA and CIMA.

What are your service terms? What is our commitment to outsourcing engagement?

We work on a monthly basis with all clients and allocate a dedicated staff member for your business needs. We do not offer an hourly-based service. This is because our team needs to work in a fully-integrated manner with your team to offer a seamless process.

Please note that we have a 3-month notice period for all engagements.

Why large companies should choose us.

If you represent a larger corporate, and you want a professional, trustworthy accounts outsourcing firm, do not hesitate to contact us. In addition, we bring in state-of-the-art technology expertise such as robotic process automation, machine learning and artificial intelligence.

You can find out more about why accountants should think about outsourcing their accounts here.

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.

Make sure you never miss any of our articles, webinars, videos or events by following us on Facebook, LinkedIn, YouTube and Instagram.

Facial Aesthetician Accountants

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:

  • View all your employees current and past payslips
  • View employee documents
  • View real-time reports (employee reports e.g. Pension information, contact details, salary details)
  • 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.

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

Vet Accountants

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:

  • View all your employees current and past payslips
  • View employee documents
  • View real-time reports (employee reports e.g. Pension information, contact details, salary details)
  • 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.

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

Day Care Accountants

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:

  • View all your employees current and past payslips
  • View employee documents
  • View real-time reports (employee reports e.g. Pension information, contact details, salary details)
  • 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.

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Samera Socials

This is an excellent opportunity to meet other professionals in your industry, share sector knowledge and discuss business opportunities in a relaxed environment over drinks and nibbles.

GP Accountants

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:

  • View all your employees current and past payslips
  • View employee documents
  • View real-time reports (employee reports e.g. Pension information, contact details, salary details)
  • 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.

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

Pharmacy Accountants

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
  • View employee documents
  • View real-time reports (employee reports e.g. Pension information, contact details, salary details)
  • 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. 

Cinnamon Kitchen

Come to our next event

Samera Socials

This is an excellent opportunity to meet other professionals in your industry, share sector knowledge and discuss business opportunities in a relaxed environment over drinks and nibbles.

Dental Accountants

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 or practice owner, 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 Accountants

Leading Specialists

Samera Dental Accountants are one of the UK’s leading specialists in tax, accountancy, and financial director services for dentists. Serving hundreds across the nation, our accounts and tax experts can help with all aspects of managing your finances. With options like monthly and quarterly finance director support, we’re here for you every step of the way.

Tailored Solutions

Our comprehensive solutions are designed to seamlessly manage all aspects of your dental business. Whether you’re an NHS or a private dentist, an associate or a dental group, we offer a wide range of financial solutions for all dental professionals. As a Xero Gold Partner, we provide top-notch digital accounting services whether you need tax advice, payroll management or help buying, selling, or starting a dental practice.

Increased Profits

Our tax planning services, cash flow management and financial director services ensure you’re making the most of your earnings while staying compliant. We can help increase your take home pay and boost the profits of your practice. Don’t just take our word for it. Check out our Google reviews.

Practice Owners

We’re not just dental accounts, we are practice owners ourselves. 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 Dental 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.

Xero Gold Partner

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.

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.

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.

Our Dental Accountancy Services

Accounts for Dentists

Whether you are just starting out as a dentist or are preparing to start your own practice, our dental associate accounts and tax services work more profitable and make life easier for you. 

Our accounting team specialise in helping dentist associates like you organise your finances, prepare your tax and increase your profits. You worry about your patients and we’ll worry about the numbers. 

Accounts for Dentists

We provide specialist, expert accounts and tax services to dentists throughout all stages of their career, from associate to dental practice owner.

Learn more

Tax for Dentists

Our team at Samera has extensive experience in offering a whole array of tax planning for your dental business.

Learn more

Company Management

From forming your company to winding it up and everything in between.

Learn more

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.

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.

Accounts for Dental Practice Owners

As dental practice owners ourselves, we know exactly what challenges you face and what solutions you need. With Samera Dental Accountants, your finances are one thing you don’t have to worry about. 

Our accounts and tax experts are trusted by hundreds of dentists across the country and we specialise in helping the UK’s dental practices manage their finances and increase their profits.

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.

Compare all plans


ExpandGrowKick-Start
Operational Accountancy Services
BookkeepingTick checkmark iconTick checkmark iconTick checkmark icon
Book-keeping softwareTick checkmark iconTick checkmark iconTick checkmark icon
Tracking categoriesTick checkmark iconTick checkmark iconTick checkmark icon
Payment runMonthlyMonthly
Monthly payroll All employeesAll employeesAll employees
Balance sheet reconciliationsMonthlyMonthlyQuarterly
Management accounts (P&L, balance sheet)MonthlyMonthlyQuarterly
Dedicated Payroll managerTick checkmark iconTick checkmark iconTick checkmark icon
Dedicated finance inbox managementTick checkmark iconTick checkmark icon
Independent preparer/reviewer segregation of dutiesTick checkmark iconTick checkmark iconTick checkmark icon
Associate Pay CalculationTick checkmark iconTick checkmark icon
Supplier PaymentsTick checkmark iconTick checkmark icon
Xero-feed dashboardsTick checkmark iconTick checkmark iconTick checkmark icon
Budget v actuals variance analysis (or trend analysis)Tick checkmark iconTick checkmark iconTick checkmark icon
Standard financial ratiosTick checkmark iconTick checkmark iconTick checkmark icon
Sector specific business KPIs and metricsTick checkmark icon
Monthly cash flow ‘actuals’ updatesTick checkmark icon
Advanced Tax PlanningTick checkmark iconTick checkmark icon
Advance Tax EstimationTick checkmark icon
Regular review of funding requirementsTick checkmark iconTick checkmark icon
48 hour response timeTick checkmark iconTick checkmark icon
Annual Compliance
Annual financial statementsTick checkmark iconTick checkmark iconTick checkmark icon
Corporation TaxTick checkmark iconTick checkmark iconTick checkmark icon
Company secretarial (basic)Tick checkmark iconTick checkmark iconTick checkmark icon
HMRC investigation coverTick checkmark iconTick checkmark iconTick checkmark icon
Personal Tax ReturnsTick checkmark iconTick checkmark iconTick checkmark icon
P11DTick checkmark iconTick checkmark iconTick checkmark icon
Data integrity and set up
Sector specific chart of accountsTick checkmark iconTick checkmark iconTick checkmark icon
Samera Alliance – Dental Buying Group
Access to Level 1 – Dental Buying GroupTick checkmark iconTick checkmark iconTick checkmark icon
Book a Discovery CallBook a Discovery CallBook a Discovery Call

Case Studies

Explanation Mark

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.

Question Mark

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.

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.

Explanation Mark

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.

Question Mark

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.

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.

Accounts for Practice Owners

Samera is a Xero Gold Partner firm and one of the UK’s leading specialist accountants for dental practices.

Learn more

Tax for Practice Owners

Our team specialise in offering a whole range of tax planning and management for your dental business.

Learn more

Practice Management

From our free reviews to our financial director services, we can help make sure your practice is run as well as possible.

Learn more

Company Management

From forming your company to winding it up and everything in between.

Learn more

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!

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.

Excellent accountants!!

Natasha
Charles
Karyn McElhinney

FAQs

Do you have further questions?

If so, please send us a message via our contact form.

Are there any one-off or set up fees?

Yes, there’s a transition fee equal to one month fee. However, depending on the complexity of your business and current state of your finance function you may need additional transformational support which we would discuss with you.

When I prepay for a year, does that lock in my price?

No, if your business grows in transaction credit volumes, frequency of support or complexity we will rebase your fee and invoice you for the difference for the remaining months of your plan. You will also be entitled to the same discount on any increase. However, we won’t increase your fee for inflation within your plan period.

What’s your cancellation policy?

All clients are on an initial 12 month period, after which 3 months notice is required if you decide to leave.

Will I get a discount if I prepaid for the year?

Yes, we offer a 10% discount if you pre-pay your fees a year in advance.

How do prices change as I grow?

We monitor transaction credits and payroll numbers on a rolling three-month basis and rebase our fee accordingly. Transparency is really important to us, so we’ll always talk to you before we change our prices. Your price will also change if your scope of services changes e.g. frequency of support and reporting, complexity of your business, and ad hoc projects.

What if I’m part way through my financial year when I join Samera?

If you are less than three months into your new financial year, there is no additional cost. If you are more than three months into your new financial year, we pro rata your annual compliance costs (statutory accounts and Corporation Tax).

What’s a transaction credit?

Transaction credits are how we track bookkeeping volumes.

  • 1 bank spend transaction = 1 transaction credit.
  • 1 purchase invoice = 2 transaction credits.
  • 1 sales invoice (where in scope) = 2 transaction credits.

We review transactions credits on a rolling three-month basis and automatically increase your scope and fee accordingly.

Note: No transaction credits are used where sales invoices are raised through integrated systems or by your team members directly.

Resources

  • Payroll for Dentists

    In this guide, we’ll break down everything you need to know about payroll so you can run your practice smoothly.

    Read more

  • How to Manage Accounts for a Dental Group

    Six Essential Steps to Managing the Finances and Accounting of Your Dental Group or DSO (Dental Service Organisation)

    Read more

  • Bookkeeping Tips for Dentists

    In this article, we’ll give you essential tips and methods to help you make your financial tasks easier.

    Read 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.

Dental Accounts & Tax: Further Information

For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on FacebookLinkedInYouTube and Instagram.

Finance Director Services

Sectors we can provide an FD service to:

Tooth

Dental

Stethoscope

Medical

Bone

Vet

Medicine

Pharmacy

Our Finance Director Service is an additional service that is commonly purchased with our Annual Accountancy, tax, and book-keeping services.

Mind Map

Our Finance Director 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

Arun Mehra

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 Finance Director (FD) 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.

Finance Director

Planning

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.

Preparation

Accounting

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.

Funding

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 FD service separate to your accountancy, book-keeping 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 book-keeping, 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 Finance Director’s services offer payroll and pension services?

Yes, we offer the full remit of payroll and pension services.

Practice Startup

Dental Practice Start-up Programme

Our Dental Practice Startup Programme is a hands-on consultancy service designed to take you through your whole journey to becoming a dental practice owner.

The Programme gives you access to monthly calls with our expert consultants. We’ll be there every step of the way, giving you the advice and assistance you need, as well as the push to make it happen!

Over a 12 month period, our consultants will be there to assist and guide you to make sure you start your dream practice.

“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, Nigel at 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 Nigel and the rest of the Samera team and I have no hesitation in recommending them to all my colleagues.”

Five stars

Are you serious about starting a dental practice?

Starting up a practice is not for everyone. However, for those that are willing to start that journey, the Dental Practice Start-up Programme will support you, provide our expertise and make the process easier.

If you’re serious about starting a successful dental practice, our Dental Practice Startup Programme can help you every step of the way. From choosing the right location to opening up on your first day, this programme is designed to help you make it happen in 12 months!

We’ve split the process into manageable chunks, making it easier for you to complete your journey to owning your dream practice. 

Key aspects of the Practice Start-up Programme:

Stage 1: Getting Started

  • Discounted rate to attend the Samera Setting up in Practice Bootcamp

Stage 2: Getting a Plan

  • Advice on location
  • Detailed Strategic Business Plan template and assistance with edits. 
  • Full Profit and Loss Forecasts for 3 years. 
  • Full Cash Flow Forecasts for 3 years. 
  • Full start-up cost breakdown.

Stage 3: Getting the Money

  • Assisting you with sourcing any kind of finance through Samera Finance. 

Stage 4: Getting the Equipment

  • With our Buying Group dental asset partners, we can help you design and select the right equipment for your practice, as well as access to reduced rates for insurance, legal assistance, software and much more.
  • Low-rate financing options available for your equipment purchases.
  • Help with setting up service contracts.

Stage 5: Getting on With the Job

  • Monthly review zoom call with our expert consultants to ensure you actually get to your goal. 
  • Introduction to the Samera Digital Marketing team for all website and digital marketing needs (separate fees apply).
  • 20% off first year practice owner accountancy service.

How much is it?

£375 per month for a 12 month period

If you want to start a dental practice, all of our services are now found in the Dental Practice Start-up Programme. The individual services we offer are now only available as part of the Programme.

The table below shows a breakdown of the savings you will make by joining the Dental Practice Start-up Programme.

With the Programme, not only do you get discounted cash flow projection and business plan template, help sourcing finance at a reduced rate, 12 month free access to the dental buying group, 20% off accountancy fees and discounted tickets to Setting up in Practice Bootcamp, you also get 12 months access to our expert consultants. 

These services are not available outside of the Programme.

Normal price inc VATStart-UP Programme Price
Business Plan & Cashflow£1,500£0
Arranging Finance (min fee)£3,500£2,500
Dental Buying Group (first 12 months)£0£0
Typical Accountancy Fees (discount only applies for the first year)£5,424£4,339
Bootcamp£399£299
Monthly consulting call (over 1 year)£4,800
(Unavailable outside of the programme)
Free
Start-up Programme
(Monthly Subscription)
N/A£4,500
(£375 / month)
Total£15,623£11,638

Sign Up Now

One of the key benefits that you get from the start up program is the advice and experience you receive from the Samera team who have helped many clients open their own dental practice. 

At Samera, we will assist you along the journey with monthly catch-up meetings with the team covering areas such as finance, our buying group, practice equipment, accountancy and marketing.

If you’re ready to start your dream practice then we want to hear from you. Book yourself a free consultation at a time that suits you to find out how you can join the Dental Practice Start-up Programme.

Case Studies

Better Terms and Flexible Payments

“I cannot recommend Nigel highly enough. My partner and I have been corresponding with Nigel 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. Thank you Nigel and team.”

Five stars

How it Should Have Been Done

“After attending the Samera Bootcamp last November, I set about starting up my own practice. Nigel was 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!”

Five stars

Raising Additional Finance When Lenders Say ‘No’

  • Accounts & Tax for Start-ups

    Our specialist dental accountants are experts at helping dentists set up their accounts, manage their finances and organise their tax.

    Learn more

  • Cyber Security

    Your business is at risk if you do not have a cyber security strategy in place.
 Cyber security is one of the most important, but least understood parts of running a business. We can make it easy.

    Learn more

  • Samera Finance

    Apply online today for your healthcare business. Quick Application Process. Borrow at excellent rates. Unsecured and secured loans available. Healthcare Experts.

    Learn more

  • Dental Buying Group

    Join today for free, start saving and grow your profits.

    Learn more

  • Setting Up a Practice Timeline

    See all of the steps needed in order to set up your own practice.

    Learn more

  • Building a Business Plan

    Building your business plan is an essential part of starting a dental practice.

    Learn more


Practice Startup Checklist

Download our Practice Startup Checklist to make sure you are following every step on the path to becoming a dental practice owner.


Sign up for one of our business training events

Sign up now for one of our events and webinars, designed to teach dentists how to build a better business.

We run free online events covering everything from compliance to raising finance. We also host live events across the UK, like our Setting up in Practice Bootcamp, which has been running for over 10 years and the first step for 100’s of the UK’s practices.

Check out our events calendar to see which of our webinars, courses or bootcamps are right for you.

Further information on Starting a Dental Practice

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. Contact us today for all the advice, support and expertise you’ll ever need to start a dental practice.

For more information please check out the articles and webinars in the start a dental practice section of our Learning Center, like our guide on How to Start a Dental Practice in 13 Steps.

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

Sell a Dental Practice

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!

Please click here to read our guide to selling a dental practice.

Free Dental Practice Valuations with Samera

Turnover:

Net Profit:

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

Click Here to Get in Touch

Practice Value Range:

Loading…

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.

If would like a free valuation, please call us or Book your FREE consultation.

We treat all your information in the strictest confidence.

Ready to Sell your Dental Practice?

Your Practice Value:

Our Commission:

2.5%

Your Fee:

Average Competitor Commission:

3%

Your Saving with Samera:

Book your FREE consultation here to find out how we can help you to value and sell your dental practice.

Dental Practice Valuations for Divorces

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.

Please click here to read more about determining the value of a dental practice.

Speak to us

If would like a free valuation, please book your FREE consultation.

Further Information

For more information please check out the articles and webinars in the selling a dental practice section of our Learning Center, like our Guide to Selling a Dental Practice in 9 Steps.

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

Buy a Dental Practice

If you’re thinking about buying a dental practice and you want to make sure you find the right practice at the best price, contact us today for a free consultation.

Dental Practices for Sale

Get in touch with us, let us know what kind of practice you’re looking for and we’ll get to work for you.


Featured Practice for Sale:

House
  • Practice based in Central London
  • High-end Private practice
  • Goodwill and fixtures available for £450,000
  • Annual Revenue £183,860

At Samera we believe in the independent dentist, the dentist who went into dentistry to own and run their own dental practice. Over the last 20 years in dentistry, we have seen the corporatisation of dentistry and the values of practices rise rapidly. That’s great for sellers, but for the average dentist wanting to make a decent living for themselves and their family, it’s just getting harder.

That’s why we created our Buyers Advisory Service, which is aimed at buyers only. This complements our Dental Practice Start Up Service, aimed at those wanting to start up a practice.

“I have found my dealings with Samera, who offer a range of services, to be of the highest standard. A special thanks to Nigel Crossman who has been very supportive and insightful with our goal to finance the purchase of a surgery. He has always been on hand to offer sound advice whilst reviewing financials expertly. Thank you.”

Five stars

What is the Buyer’s Advisory Service?

Our Buyers Advisory Service is a hands-on programme designed to help you at every step of the way when you buy a practice.

As dental practice owners ourselves we know what to look for, we know what makes a great practice and we know how to help you find the right practice for the right price. 

We can provide expert advice and professional services every step of the way, from thinking about location to negotiating the price. 

Our Buyers’ Advisory Service covers the following:

Sell

Price Negotiation

Our experienced team of advisors will negotiate on your behalf for any practice you may be interested in making an offer. We will help you pay the right price for the practice

Finance

Raising Finance

Our team of commercial finance brokers provide a wide range of possible financial sources and deals to help you find the best terms at a reduced client fee of 0.75%.

Find out more

Learn

Free One-Day Virtual Bootcamp

This workshop is designed for dentists thinking about either setting up or buying a dental practice. This bootcamp is our most popular courses and has kickstarted countless dentists into practice ownership.

Samera events

GBP

Dental Practice Valuations

Our accountants have vast experience in the dental industry and can assess the value and potential of prospective practices and identify the best options. We will conduct a full financial assessment of each practice you are interested in purchasing up to a maximum of 6 per annum.

Find out more

Checklist

Financial Due Diligence 

We will conduct financial due diligence, assessing all financial and tax records, system reviews and overall business assessments.

Find out more

Bar Chart

Cash Flow Management & Forecasting

We can provide expert assistance and advice for forecasting and managing the cash flow and working capital within your new practice for 3 years.

Calculate

Accountancy and Tax

As experienced dental accountants, we will provide the full range of accountancy and tax services via our streamlined, digital system. 

Find out more

Support Phone

Monthly Update Calls

Monthly accountability zoom call to ensure you actually get to your goal of owning a dental practice.

Fill in the Buyer’s Registration application form below to find out more.

Buyer’s Advisory Service

If you’re thinking about buying a dental practice, we can help you find the right clinic at the right price.


Case Studies

£86,000 Saved Over the Life of a Loan

Explanation Mark

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.

Question Mark

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.

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

Explanation Mark

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.

Question Mark

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.

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

Explanation Mark

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.

Question Mark

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.

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.

“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

“From the bootcamp I signed up to use Nigel Crossman head of commercial finance services. Nigel 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.”

Five 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.”

Five stars

Sign up for one of our business training events

Sign up now for any of our live events or webinars, designed to teach healthcare providers how to build a better business.

We run a mixture free and paid online webinars covering everything from compliance and marketing to accounts, tax and raising finance, as well as live events like our start-up bootcamps or finance workshops.

Check out our events calendar to see which of our webinars, courses or bootcamps is right for you.

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.

Learn More: Buying a Dental Practice

For more information please check out the articles and webinars in the buying a dental practice section of our Learning Centre like the Guide to Buying a Dental Practice.

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

Accountancy Services

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. 

Tooth

I am a

Dentist

Medicine

I am a

Pharmacist

Stethoscope

I am a

Doctor

Bone

I am a

Vet

Day Care

I own a

Daycare Nursery

Face Scan

I am a

Facial Aesthetician

Accountants for Vets

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:

We provide a full range of accounts and tax services to the world’s veterinarians.

  • 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.

 

Accountants for Daycare and Nurseries

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.

How we help nurseries with accounts and tax

We provide a full range of accounts and tax services to the world’s daycares and their employees:

  • Book-keeping
  • Annual accounts and tax returns
  • 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.

Accountants for Aestheticians

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. 

Accountants for Pharmacists

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.

How we help pharmacists with accounts and tax

We provide a full range of accounts and tax services to the world’s pharmacies and their employees:

  • Book-keeping
  • Annual accounts and tax returns
  • 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 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. 

Accountants for GPs

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.

How we help GPs with accounts and tax

We provide a full range of accounts and tax services to the world’s GPs and their employees:

  • Book-keeping
  • Annual accounts and tax returns
  • 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. 

Debt Advisory and Corporate Restructuring

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.

Click here to read our article on Dentist and Dental Associate Expenses Guide.

Corporate restructuring

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.

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.

Dental Accounts & Tax: Further Information

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.

Landlords

Making tax digital

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 Landlords

So, how will Making Tax Digital affect Landlords?

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.

Raising property finance

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.

Award

Samera Finance was a finalist in both the 2021 and 2022 NACFB Commercial Mortgage Brokers Awards.

Finance

Our team is made up of former bankers, all of whom have decades of experience in the UK’s property finance sector.

Briefcase

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. 

Accounts for Dental Groups

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.

Compare all plans


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Monthly payroll All employeesAll employeesAll employees
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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.

Dental Accounts & Tax: Further Information

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.

IR35 for Dentists

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. 

Click here to find out more about employment status tests on .gov.uk

Am I self-employed or an employee?

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.

Click here to read our article on Samera Learning Centre.

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.

Dental Accounts & Tax: Further Information

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.

Accounts & Tax for Start-ups

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.

Dental Accounts & Tax: Further Information

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.

Pharmacists: Apply for Commercial Finance

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. 

What might your repayments look like?

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

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.

Cosmetic surgeons: Apply for Finance

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. 

What might your repayments look like?

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

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. 

Audiologists: Apply for Commercial Finance

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.

What might your repayments look like?

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

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. 

Radiologists: Apply for Commercial Finance

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.

What might your repayments look like?

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

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.

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.

Implantologists: Apply for Finance

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.

What might your repayments look like?

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

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.

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.

Doctors: Apply for Commercial Finance

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. 

What might your repayments look like?

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

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. 

GPs: Apply for Commercial Finance

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. 

What might your repayments look like?

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

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. 

Vets: Apply for Commercial Finance

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. 

What might your repayments look like?

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

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.

Aquisition

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

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

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

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.

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.

Orthodontists: Apply for Commercial Finance

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. 

What might your repayments look like?

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

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.

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.

Opticians: Apply for Commercial Finance

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. 

What might your repayments look like?

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

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.

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.

Dermatologists: Apply for Finance

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.

What might your repayments look like?

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

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.

Gynaecologists: Apply for Finance

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.

What might your repayments look like?

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

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. 

Care Homes: Apply for Commercial Finance

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. 

What might your repayments look like?

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

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. 

Dentists: Apply for Commercial Finance

As you start your dental practice and as a dental 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 dental practices and build a group.

When you are seeking a loan to buy, start or grow a dental 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 dental practice, your personal circumstances are one of the information sources that lenders will have to assess your ability to manage a dental practice when you acquire one.

To get the finance and business loans required to buy, start or grow a dental practice will require some effort to convince a lender you are worthy of the finance.

What might your replayments look like?

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

What will financial lenders look at and assess?

  • The history of any earnings as an associate dentist.
  • 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.

Depending on what type of financing you need for your dental 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 dental practice purchase.

Applying for a Business Loan

Follow these 5 steps before you apply for commercial finance for your dental practice:

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 dentists 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 dental practices?

There are several options out there for dentists 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 schedule, 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 dental 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 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’ve helped countless dentists raise acquisition finance for a dental 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 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. With our dental 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 dentists purchase the property they need to start or grow their dental 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 dental accountants can help reduce your tax bill, while our finance brokers source the money to pay it.

Payroll and Pensions

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. 

Click here to read our article on Dentist and Dental Associate Expenses Guide

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. 

You can find out more about cloud accounting here.

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. 

You can find out more about how Samera make accounts easier.

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. 

You can read more about cybersecurity here.

You have the control

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.

You can read more about accounts and tax here.

Easily check payroll entry

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.

Click here to watch our webinar on how to navigate your practice’s financial function.

Evolving ways of working

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.

Click here to listen to our podcast episode on how to organise your practice’s finances.

Self-service

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.

You can find more articles and webinars on accounting here in our Learning Centre.

What you can do:

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
  • View employee documents
  • View real-time reports (employee reports e.g. Pension information, contact details, salary details)

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.

You can find out more about automating your finances here.

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.

Dental Accounts & Tax: Further Information

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 for Dentists

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. 

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: 

  • Making Tax Digital for VAT (April 2022)
  • Public Testing of Making Tax Digital for Income Tax (April 2025)
  • Making Tax Digital for Income Tax Goes Live (April 2026) Over £50k in earnings.
  • Making Tax Digital for Income Tax Self-Assessment (April 2027) Over £30k in earnings.
  • Making Tax Digital for Corporation Tax – To be confirmed.

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.

Five stars

Making Tax Digital for Dentists

Making Tax Digital for Dental Associates

The first phase of MTD was introduced in April 2019 in Making Tax Digital for VAT, which regulated business with a taxable turnover over £85,000.

On 6th April 2026 Self Assessment tax payers will also 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.

Click here to listen to our podcasts on how dentists can reduce their tax bill.

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. 

You can find a list of compliant software on the .gov.uk website here.

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: 

  • 5th August
  • 5th November
  • 5th February
  • 5th 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. 

You can find out more about accounts and tax for dental associates here.


Making Tax Digital for Dental Practices

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.

For those practices that trade as companies, we are still awaiting a date when MTD applies for corporation tax.

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. 

Click here to watch our webinar on using Xero and Hubdoc for your dental practice accounts.

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. 

You can find a list of compliant software on the .gov.uk website here.

Here is a list of example records you will need to keep from the UK Government website: 

  • your business name, address and VAT registration number
  • any VAT accounting schemes you use
  • the VAT on goods and services you supply, for example everything you sell, lease, transfer or hire out (supplies made)
  • the VAT on goods and services you receive, for example everything you buy, lease, rent or hire (supplies received)
  • any adjustments you make to a return
  • the ‘time of supply’ and ‘value of supply’ (value excluding VAT) for everything you buy and sell
  • the rate of VAT charged on goods and services you supply
  • reverse charge transactions – where you record the VAT on both the sale price and the purchase price of goods and services you buy
  • your total daily gross takings if you use a retail scheme
  • items you can reclaim VAT on if you use the Flat Rate Scheme
  • your total sales, and the VAT on those sales, if you trade in gold and use the Gold Accounting Scheme

You can find out more about accounts and tax for dental practices here.


Making Tax Digital With Samera

At Samera we no longer be 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.

Click here to read our articles Samera.

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.

Dental Accounts & Tax: Further Information

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.

Commercial Property Finance in Buckinghamshire 

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. 

Click here to read more about commercial property mortgages.

NACFB Commercial Brokers Awards 2022 Finalists

Auction Finance in Buckinghamshire 

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.

Click here to read more about bridging finance.

Development Finance in Buckinghamshire 

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 learn more about development finance.

FURTHER INFORMATION ON COMMERCIAL MORTGAGES IN BUCKINGHAMSHIRE

If you’re looking for help with commercial mortgages in Buckinghamshire, then get in touch with us today or book a free consultation today. Our team can make sure you get the best deal. 

For more information on raising finance for your healthcare business, check out the articles and webinars in our Learning Centre, like our guide on How to Finance a Dental Practice.

To keep up-to-date with all things Samera, subscribe to our YouTube channel and follow us on Facebook and Instagram.

Commercial Property Finance in Hertfordshire

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. 

Click here to read more about commercial property mortgages.

NACFB Commercial Brokers Awards 2022 Finalists

Auction Finance in Hertfordshire

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.

Click here to read more about bridging finance.

Development Finance in Hertfordshire

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.  

Click here to learn more about development finance.

FURTHER INFORMATION ON COMMERCIAL MORTGAGES IN HERTFORDSHIRE

If you’re looking for help with commercial mortgages in Hertfordshire, then get in touch with us today or book a free consultation today. Our team can make sure you get the best deal. 

For more information on raising finance for your healthcare business, check out the articles and webinars in our Learning Centre, like our guide on How to Finance a Dental Practice.

To keep up-to-date with all things Samera, subscribe to our YouTube channel and follow us on Facebook and Instagram.

Commercial Property Finance in Surrey

Commercial Mortgages in Surrey

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. 

Click here to read more about commercial property mortgages.

NACFB Commercial Brokers Awards 2022 Finalists

Auction Finance in Surrey

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. 

Click here to read more about bridging finance.

Development finance in Surrey

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.  

Click here to learn more about development finance.

FURTHER INFORMATION ON COMMERCIAL MORTGAGES IN SURREY

If you’re looking for help with commercial mortgages in Surrey, then get in touch with us today or book a free consultation today. Our team can make sure you get the best deal. 

For more information on raising finance for your healthcare business, check out the articles and webinars in our Learning Centre, like our guide on How to Finance a Dental Practice.

To keep up-to-date with all things Samera, subscribe to our YouTube channel and follow us on Facebook and Instagram.

Commercial Property Finance in Essex

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. 

Click here to read more about commercial property mortgages.

NACFB Commercial Brokers Awards 2022 Finalists

Auction Finance in Essex

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.

Click here to read more about bridging finance.

Development Finance in Essex

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 learn more about development finance.

FURTHER INFORMATION ON COMMERCIAL MORTGAGES IN ESSEX

If you’re looking for help with commercial mortgages in Essex, then get in touch with us today or book a free consultation today. Our team can make sure you get the best deal. 

For more information on raising finance for your healthcare business, check out the articles and webinars in our Learning Centre, like our guide on How to Finance a Dental Practice.

To keep up-to-date with all things Samera, subscribe to our YouTube channel and follow us on Facebook and Instagram.

Commercial Property Finance in Kent

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. 

Click here to read more about commercial property mortgages.

NACFB Commercial Brokers Awards 2022 Finalists

Auction Finance in Kent

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. 

Click here to read more about bridging finance.

Development Finance in Kent

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.

Click here to learn more about development finance.

FURTHER INFORMATION ON COMMERCIAL MORTGAGES IN KENT

If you’re looking for help with commercial mortgages in Kent, then get in touch with us today or book a free consultation today. Our team can make sure you get the best deal. 

For more information on raising finance for your healthcare business, check out the articles and webinars in our Learning Centre, like our guide on How to Finance a Dental Practice.

To keep up-to-date with all things Samera, subscribe to our YouTube channel and follow us on Facebook and Instagram.

Suppliers and Partners

Become a Samera Alliance partner

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.

Contact us to find out more about becoming a Samera Alliance Partner.

Become a Samera Finance partner

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.

Get in touch to find out how Samera can help your business.

Fee Review

Are you setting the right prices?

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.

Click here to read our article on Dentist and Dental Associate Expenses Guide

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.

Click here to read our articles on Samera Learning Centre.


Our Fee Review Process

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.

Dental Accounts & Tax: Further Information

For more articles, webinars and blogs on dental accounts check out the dental accountancy section of our Learning Centre and follow us on FacebookLinkedInYouTube and Instagram.

Cyber Security

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.

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

or

Apply on our app for a faster
and simplified application process.

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Download on the App Store

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Android device?

Get in on Google Play
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Sign Up

Sign up with the Samera Finance app.

User

Complete Profile

Fill in all of the relevant information.

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Get Approved

Get approved with the most competitive interest rates out there.


NACFB Assured

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.

Samera Finance App
Download on the App Store
Get in on Google Play

Or, get started on the Samera Finance website.


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

Book a virtual consult with
Nigel

Book a consult

Dan Fearon

Book a virtual consult with
Dan

Book a consult

“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

  • Samera Finance

    Apply online today for your healthcare business. Quick Application Process. Borrow at excellent rates. Unsecured and secured loans available. Healthcare Experts.

    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

  • 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

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

Join

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

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.

Samera Alliance Partners

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

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

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

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

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

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

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

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
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

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

Rudlings Solicitors

At Rudlings, we supply specialist advice to Dentists & other Healthcare professionals.


Albus

Albus Environmental

Albus Environmental a sustainable clinical waste service.


Patient Plan Direct

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

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

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.

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.

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.

Samera Dental Business Academy 2

10x your investment

Build an invincible practice

Double your practice
value in 2 years

Welcome to the

Dental Business Accelerator

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.

Flow Chart

The conversation

no-one is willing to have

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.


Recessions and the destruction

of the average dental practice

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:

  1. High performing dental practices.
  2. Struggling dental practices who eventually go out of business.
  3. 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.


You only have

one choice

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.


The Good News

from Team Samera

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.


Smita Mehra

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 Mehra

DR SMITA MEHRA BDS MFGDPRCS

Clinical Director

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

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.

Planned locations for 2022 include:

  • London
  • Bristol
  • Manchester
  • Birmingham
  • Edinburgh
UK Map

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:

  1. Build a disaster proof practice that can weather a storm like COVID 19
  2. 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:

  • Clinical Leadership and Motivation
  • Recruitment, Team Management and Culture 
  • Patient and team care
  • Brand building and marketing systems
  • Website and Digital Marketing Growth Strategies
  • Money, cash flow, accounting, tax, reporting automation
  • Technology, Cyber Security and Digital Workflows
  • Squat Practices and Buying a Practice
  • 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.

Samera Dental Money Masterclass

Handcuffs

Dentists –
Become financially
free in 5 years

Welcome to the

Samera Dental Money Masterclass

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
UK Map Masterclass

Arun Mehra

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.

Samera Dental Business Academy

Shuttle

Double your practice
value in 2 years

Welcome to the

Dental Business Accelerator

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.


The conversation

no-one is willing to have

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.


Recessions and the destruction

of the average dental practice

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:

  1. High performing dental practices.
  2. Struggling dental practices who eventually go out of business.
  3. 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.


You only have

one choice

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.


The Good News

from Team Samera

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.


Dentist

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 Mehra

DR SMITA MEHRA BDS MFGDPRCS
CLINICAL DIRECTOR

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

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.

Planned locations for 2022 include:

  • London
  • Bristol
  • Manchester
  • Birmingham
  • Edinburgh
UK Map

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:

  1. Build a disaster proof practice that can weather a storm like COVID 19
  2. 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:

  • Clinical Leadership and Motivation
  • Recruitment, Team Management and Culture 
  • Patient and team care
  • Brand building and marketing systems
  • Website and Digital Marketing Growth Strategies
  • Money, cash flow, accounting, tax, reporting automation
  • Technology, Cyber Security and Digital Workflows
  • Squat Practices and Buying a Practice
  • 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.

Accounts Payable Service

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.

Dental Accounts & Tax: Further Information

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.

Navigating Your Finance Function

Step 1

Invoice

Receive an invoice from a supplier.

Step 1

Step 2

Send

Scan/photo or email the invoice to Hubdoc.

Step 2

Step 3

Document

Information posted into Xero by Team Samera at awaiting payment stage.

Step 3

Step 4

Receive

Payment made via bank account or WISE.

Step 4

Step 5

Match

Once invoice is paid Xero matches invoice with payment.

Step 5

Step 6

Reconcile

Bank account is reconciled fully at the end of each month or more regularly.

Step 6

Step 7

Report

Produce management reports.

Step 7

Step 8

Review

Review of management reports to highlight variances for action.

Step 8

Step 9

Feed

Feeds into the annual accounts process with a very quick turnaround for year end.

Step 9

Step 10

Budgets

Set up budgets for the next financial year.

Step 10

Click here to read our article on Dentist and Dental Associate Expenses Guide

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.

Dental Accounts & Tax: Further Information

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.

Setting Up a Practice Timeline

Step 1

Location

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.

Learn More: Starting a Dental Practice

For more information please check out the articles and webinars in the start a dental practice section of our Learning Centre, like our guide on How to Start a Dental Practice in 13 Steps.

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

Buying a Practice Timeline

Step 1

Cost

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.

Learn More: Buying a Dental Practice

For more information please check out the articles and webinars in the buying a dental practice section of our Learning Centre like the Guide to Buying a Dental Practice.

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

Digital Marketing for Dentists

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.

Type
Market a dental practice‘ or ‘Dental Practice Marketing
into Google and tell us what the first result is.

Now try
Grow a dental practice‘.

Now try
Start a dental practice‘.

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

Research and Development

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.

ir35

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.

Tax Digital

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!!”

*****

Dental Practice Valuations

For Sellers

Get a free valuation for your practice.

Learn More

For Buyers

Challenge a Dental Practice Valuation.

Learn More

For Sellers

We offer free 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 free valuation, please call us or book a time for us to call you.

Book your FREE consultation here to find out how we can help you to value your dental practice.

Ready to Sell Your
Dental Practice?

Try our calculator to see how much you can save when you sell your practice with Samera.

Book your FREE consultation here to find out how we can help you to sell your dental practice.

For Buyers

Challenge a Dental Practice Valuation

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 of £1,500 + VAT 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 just 10% 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 10% of the total savings is due, minus the initial fee. This 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.

Further Information

For more information please check out the articles and webinars in the selling a dental practice section of our Learning Center, like our Guide to Selling a Dental Practice in 9 Steps.

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

Buyer Registration

Simple.

Click the button below to register and if any suitable practices match your requirements we will be in touch.

Click here to read our articles Samera.

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.

Learn More: Buying a Dental Practice

For more information please check out the articles and webinars in the buying a dental practice section of our Learning Centre like the Guide to Buying a Dental Practice.

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

Building a Business Plan

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.

Creating a Business Plan

Free Downloadable Documents

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

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.

Learn More: Starting a Dental Practice

For more information please check out the articles and webinars in the start a dental practice section of our Learning Centre, like our guide on How to Start a Dental Practice in 13 Steps.

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

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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.

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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

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.

Nominated for Commercial Finance Broker of the Year 2021 and 2022 by the NACFB
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. Nigel has been very patient, understanding and considerate. Overall, very happy with the service and would highly recommend.

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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:

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.”

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Finding a Better Offer

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.

Make sure you never miss any of our articles, webinars, videos or events by following us on FacebookLinkedInYouTube 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.

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NACFB Assured

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.

Dental Practice Mergers and Acquisitions

Helping Dentists buy and sell practices for over 20 Years.

Dental Practice Mergers and Acquisitions

Dental practice merger and acquisition 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 and acquisitions service, please get in touch with us or book a free consultation.

You can find out more about raising acquisition finance here.

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.

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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.

Click here to read our article on Dentist and Dental Associate Expenses Guide.

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.

Dental Accounts & Tax: Further Information

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.

Financial Due Diligence

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.

Click here to read our article on Dentist and Dental Associate Expenses Guide.


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.

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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