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Ignoring the problem won't make it disappear, but taking action now can help you move forward If the 31st July Self-Assessment tax deadline has come and gone and your payment is still outstanding, you're not alone. For many business owners and self-employed professionals, the summer months are an expensive time of year. Holidays, seasonal spending, investment in the business, and day-to-day operating costs can all put pressure on cashflow, making it difficult to find the fund

Buying the business is only the beginning - protecting cashflow is what keeps it successful When buyers focus on acquiring a business, most of the attention naturally goes towards the purchase price. Negotiating the deal, securing funding, and completing the transaction tend to dominate the process. But one of the most common mistakes we see at FTA Finance are buyers concentrating so heavily on “getting the deal done” that they overlook one of the most important parts of owne

More than just finding a loan – helping you make the right financial decisions Many people assume a finance broker simply “finds a loan.” In reality, that is only a small part of what we do and often the most straightforward part. At FTA Finance, we act as your strategic partner throughout the entire funding process. Our role is to help you secure not just finance, but the RIGHT finance for your situation, your plans, and your long-term goals. Our involvement starts well befo

Good financial management is not about avoiding tax - it is about avoiding unnecessary pressure For many business owners and self-employed professionals, the 31st July tax deadline arrives quicker than expected each year. What initially feels comfortably in the distance suddenly becomes very real once summer holidays, rising costs, and day-to-day business pressures begin competing for attention alongside a significant payment due to HMRC. At FTA Finance, we regularly see the

Because the lowest interest rate isn’t always the best deal When you’re looking to finance the purchase of a dental or pharmacy business or indeed any healthcare business, you will likely receive multiple lending offers. But how do you know which one is genuinely the best? Hint: it’s not always the one with the lowest interest rate….. At FTA Finance, we help healthcare professionals decode the small print and choose funding that supports long-term success, not just short-term

What Lenders Need and How to Get It Right First Time Securing funding is not about doing more it is about providing the right information, in the right way. One of the most common misconceptions is that you need to build and present the finance application yourself. In reality, that is not how the most successful applications are put together and it is rarely how you achieve the best outcome. At FTA Finance, we prepare and present the entire application on your behalf. Our ro

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

Understand what lenders really want to see and how to present your case with confidence Applying for a business loan in healthcare isn’t the same as applying for a personal mortgage. Whether you are buying a dental or pharmacy business, expanding your current premises, or investing in new equipment, lenders will assess your application based on a blend of personal, financial, and sector-specific factors. At FTA Finance, we work closely with banks and specialist lenders every

Strategic borrowing today could boost your sale value tomorrow If you’re planning to sell your dental practice in the next few years, your instinct might be to avoid new financial commitments. But in many cases, a smart financing decision now can actually increase the value and appeal of your practice and leave you in a stronger position when it’s time to exit. Here’s how: Invest in upgrades that improve valuation Modern equipment, refurbished interiors, or digital systems no

Set yourself up for success with expert commercial finance guidance Buying a dental or pharmacy business for the first time is an exciting step – but it’s also one of the biggest financial commitments you’ll ever make. And just as clinical success relies on precision and planning, your business journey also needs a solid financial foundation. That’s why getting the right advice from the very beginning isn’t just helpful – it’s crucial. Why early financial advice matters Most

In the past many dental professionals have opted to take indemnity cover with discretionary indemnity providers such as the DDU, Dental Protection and MDDUS which provide occurrence based indemnity rather than the traditional insurance markets which provide cover on a claims made basis. The reason for dental professionals opting for the occurrence based indemnity is that as long as they had cover in place at the time when the treatment was provided then cover will always appl

As we approach the festive season, it’s a perfect time to reflect on the year gone by and look forward to what’s ahead. 2024 marked a significant milestone for FTA Finance, as we celebrated our 20th anniversary. Over the past two decades, we’ve proudly supported nearly 3,000 clients in achieving their dreams of business ownership. This year has been particularly busy for our team, with 256 funding proposals submitted to our panel of lenders. We’re thrilled to report that 96%

For the last 18 months’ we’ve seen numerous articles about the threat of cyber-attacks to the healthcare industry. This is indeed one of the most targeted sectors in the UK and the risk to your dental practice is significant. This has further been highlighted by the events of the last few days where the NHS has suffered its biggest attack of this kind. What is the risk to you?No business is completely safe from the threat of cybercrime, no matter how many firewalls you have

In this webinar David Brewer, Managing Director of FTA Finance and industry expert on arranging finance for a dental practice purchase, covers everything you need to know to confidently step into the world of dental practice ownership and provides you with essential insights and practical advice. What You’ll Learn:• Understanding the Market: Gain a clear overview of the current dental market.• Getting Started: Key points to consider to ensure you are in the strongest position

This year marks a significant milestone for FTA Finance as the company proudly celebrates its 20th anniversary. Since 2004, FTA Finance has grown into a trusted leader in the healthcare funding sector, known for its unwavering commitment to putting the customer first and offering outstanding levels of service every step of the way. Over the past two decades, FTA Finance has navigated through the ever-evolving financial landscape, consistently adapting to the needs of its clie

Buying a dental practice will quite possibly be one of the biggest financial decisions you make in your career, and for many it will be a transaction that is taken just the once. This means that if you’re a first-time buyer getting the right financial advice is crucial from the very start and working with an independent commercial finance broker will ensure you are in the strongest possible position. David Brewer, managing director of FTA Finance, explains, “At FTA Finance,

We occasionally have clients approach us for help to secure funding having been let down by their own bank. A recent example of this is a dentist who owned a 50% share in a dental practice and was seeking funding so he could buy out his business partner and take over full ownership of the practice. In the first instance he approached his own bank but the request was declined with little or no explanation citing the request fell outside lending criteria. The client then came t

Well the answer is simple – they are with the wrong bank, let me explain. At FT&A Finance we work closely with all the major healthcare banks and know what they will and won’t do. Some are happy with providing you with finance for your first purchase and maybe even your second but you will find that thereafter their appetite diminishes considerably and when you look to expand you will inevitably hit a brick wall and will hear from them comments like: “You are at your unsecure

FTA Finance, leading provider of solutions to funding and finance needs within the healthcare sector, has been named as the ‘London Healthcare Broker of the Year’ in the Lloyds Banking Group Business Development Professional Awards 2017. The Business Development Professional Awards identify and reward excellence to those professional partners working within the healthcare sector. The 2017 awards were presented at an evening celebration held by Lloyds Bank Group on Tuesday 9t

Your business has been going well and your turnover has increased, making more profits. What you may not have taken into account is to review your Surgery insurance, in particular the Business Interruption part of the policy. Generally dentists keep renewing the same surgery insurance policy and, if it is not reviewed, the policy may not be fit for purpose. When a major incident occurs at the practice, such as a fire or flood, you may instantly think about the buildings or co