Dental

The best purchases are made with your head as well as your heart Buying your first dental practice is an exciting milestone. After years of working as an associate, the opportunity to own your own practice represents independence, greater financial potential, and the chance to build something that reflects your own values and ambitions. It's also one of the biggest financial decisions you'll ever make. At FTA Finance, we often see first-time buyers become emotionally invested

Why now could be the window of opportunity you’ve been waiting for After several years of rising rates and financial caution, 2025 has brought some long-awaited news: interest rates are beginning to fall. So what does this mean if you’re thinking about buying a dental practice this year? Lower cost of borrowing A reduction in the Bank of England base rate means many lenders are offering more competitive terms on commercial loans. That could mean lower monthly repayments or th

For many, owning their own practice is the natural next step in their professional journey. More independence, better long-term financial rewards and ultimately in control of their own destiny. If you’ve been thinking about practice ownership, 2026 could be the year to take action. Market conditions are shifting, opportunities are opening up, and with the right guidance, buying your first practice may be more achievable and affordable than you think. At FTA Finance, we work w

Potential purchasers, both first time buyers and existing practice owners, often ask if there’s any truth in the rumours about the difficulties in obtaining funding for a private practice purchase. Without doubt, it’s not as easy nowadays as it used to be to secure funding, but contrary to popular belief, the banks are actively lending to the dental profession and are just as happy lending on private practice purchases as they would be on NHS and Mixed Practices. And the figu

As January draws to a close, many dentists are still weighing up whether 2026 is the right year to become a practice owner. If that sounds like you, here’s some good news: it’s not too late to get started, but now’s the time to move from thinking to planning. At FTA Finance, we’ve already seen a spike in enquiries from first-time buyers this month. Lenders are keen to support dentists, and more practices are hitting the market as owners prepare for exit. If ownership is part

The UK banking network has been given an active edict from the Government to assist their business clients during this unprecedented period. To help protect small business customers from the impacts of Covid-19 the main high street banks have set aside specific funding packages to help minimise disruption to business operations over the coming weeks and months. The support package will vary from bank to bank and has been designed to help clients access additional finance and

If you’re looking to purchase a dental practice, then ensuring you’ve got the right funding in place is essential. David Brewer explains who the best banks are to approach for practice funding….

A strong mix of healthcare specialism and a flexible approach to funding, has allowed FTA Finance Ltd to broker a deal that gives their client the freedom to take ownership of their practice and control their repayments. Read more

Chun Ng joins the team as a Financial Planner and will work alongside colleagues in the FT&A Finance Hertfordshire office offering specialist expert advice to meet client financial requirements within the healthcare sector. Chun has been working in the financial services industry since 1993, and has years of experience providing expert advice as a Financial Advisor. Throughout his career, Chun has worked in a number of financial sector roles. Originally starting at GAN, he ha

The things that matter most are not always the things buyers focus on first For most first-time dental buyers, the focus naturally starts with the practice itself. The location, the surgeries, the team, the patient base, and the potential all tend to dominate the early conversations. But one of the biggest mistakes we see at FTA Finance is buyers concentrating solely on finding the “right” practice, without giving enough thought to how the funding process itself can shape the

Set yourself up for success with these essential steps… Buying your first dental practice is an exciting leap, but when it comes to securing funding, many first-time buyers feel out of their depth. Lenders look for confidence, clarity, and a compelling case — and that starts long before the application form. Here are 10 top tips to help you approach funding the right way and maximise your chances of success: Start with a financial health check Before approaching any lender, t

Upgrade your practice without compromising your cashflow A modern, welcoming, and fully equipped dental practice doesn’t just look good — it plays a major role in patient experience, staff morale, and business growth. But refurbishing a practice, whether cosmetic or structural, can be expensive. And without a solid financing plan, costs can quickly spiral or eat into vital cash reserves. Why refurbishment is more than just a facelift Refurbishing your practice is an investmen

Better decisions start with better visibility In the world of dentistry, precision is everything. You wouldn’t carry out a treatment plan without first assessing the patient’s full oral health – so why treat your finances any differently? Whether you’re an associate, a first-time buyer, or an experienced principal, taking time to review your financial situation – even just a basic overview – can significantly improve your long-term financial wellbeing. And here’s the best par

How to position yourself for approval and secure the best deal Buying your first dental practice is an exciting milestone, but unless you’re buying it outright, you’ll need funding. And in today’s competitive lending environment, how you present yourself to lenders can make all the difference. At FTA Finance, we work closely with buyers and lenders across the healthcare sector. Here’s what banks and specialist lenders are really looking for when assessing first-time dental pr

Your step-by-step guide to becoming finance-ready and in control Buying your first dental practice is one of the most exciting steps in your professional journey but it’s also one of the most financially significant. The good news? The earlier you prepare, the better your position will be. At FTA Finance, we advise hundreds of dentists each year. If you’re hoping to buy a practice in the next 12 months, here’s what you should be doing now to make the process smoother, faster,

Understanding your options before you buy or invest in a practice Whether you’re buying your first dental practice, expanding your business, or looking to invest in new equipment, chances are you’ll need some form of commercial finance to make it happen. But not all finance is created equal. Choosing the right type of borrowing can affect everything from your monthly cashflow to your tax efficiency and long-term growth. At FTA Finance, we specialise in securing tailored fundi

How to approach your first purchase with confidence, clarity, and the right support Buying your first dental practice is one of the biggest and most exciting decisions you’ll make in your career. It’s a major step, and while the opportunity is huge, so is the potential to make costly mistakes if you’re not properly prepared. At FTA Finance, we support first-time buyers every day. The most successful aren’t always the most experienced. They are the ones who prepare well, ask t

Buying a dental practice in 2026 is less about speed and more about preparation. The buyers who secure the best opportunities are rarely the ones scrambling for finance after an offer is accepted. They are the ones who are buyer ready before the right practice even appears. With sizable differences in the lending criteria from Bank to Bank it is true to say that early financial preparation is no longer optional – it’s essential. It is now one of the most important steps you s

When assessing a dental practice purchase, lenders are not just looking at the headline price. Their decision is driven by affordability, sustainability, scope for growth and ultimately how well the Practice is set up for long-term success. Understanding what lenders really care about allows buyers to sense-check opportunities early and avoid wasting time on proposals that are unlikely to be funded. Cash is king At the heart of every lending decision is cash flow. Lenders wan

Move faster, negotiate better, and buy with confidence If you’re thinking about buying a dental practice, you already know it’s a competitive market. The best practices – the ones in great locations, with strong turnover and growth potential – attract serious interest, often from multiple buyers. In this environment, getting pre-approved for finance isn’t just a nice-to-have – it’s your competitive advantage. Here’s why smart buyers are getting their funding in place before