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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

Get your first purchase right with smart planning and financial insight Buying your first pharmacy is a major milestone, but it also comes with its fair share of complexity. From funding and legal work to business planning and compliance, the journey can feel overwhelming if you’re not fully prepared. At FTA Finance, we’ve helped hundreds of pharmacy professionals secure funding for their first purchase. Over time, we’ve seen the same avoidable mistakes crop up again and agai

What you don’t know can cost you – here’s how to get it right from day one Buying your first dental practice is an exciting milestone, but it’s also a steep learning curve. With so much focus on finding the right practice, it’s easy to overlook some of the most important financial and strategic details. At FTA Finance, we’ve worked with hundreds of first-time buyers and we’ve seen what separates the smooth journeys from the stressful ones. Here are the five most common mistak

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

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

Better decisions start with better visibility In the world of pharmacy, precision, regulation, and professionalism are everything. You wouldn’t advise a patient without first reviewing their full medical history – so why treat your finances any differently? Whether you’re a newly qualified pharmacist, a locum, or running your own pharmacy, taking time to review your financial situation – even at a basic level – can make a meaningful difference to your long-term financial well

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

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