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How Millbrook Professions can help

Your bank or lender typically covers up to around 70% of the purchase price through a secured facility. Millbrook Professions work with specialist dental lenders including panel relationships built specifically around dental funding to arrange the remaining deposit as an unsecured loan. That means you're not re-mortgaging your home or raiding personal savings to complete. Your bank covers their part and we cover the gap.

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Move at pace, with offers typically held within a couple of days so you don't lose the deal

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Expand to a second, third, or further site without waiting years to rebuild your cash reserves

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Structure funding around NHS, private, or mixed practice income

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Support buyers at every stage, from first-time purchaser to multi-site practice owner

See our success stories Browse Millbrook's success stories - arrow icon
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Why dentists need more than one funding source

Whilst dental practices have some of the funding from their main lender, they typically require a deposit of 20-30% of the purchase price - often £150,000-£350,000. This deposit can catch buyers out, as they may not have six figures of cash sitting free.

Apply for dentist practice financeDiscover Finance Options

How Millbrook Professions can help

Your bank or lender typically covers up to around 70% of the purchase price through a secured facility. Millbrook Professions work with specialist dental lenders including panel relationships built specifically around dental funding to arrange the remaining deposit as an unsecured loan. That means you're not re-mortgaging your home or raiding personal savings to complete. Your bank covers their part and we cover the gap.

green-check

Move at pace, with offers typically held within a couple of days so you don't lose the deal

green-check

Expand to a second, third, or further site without waiting years to rebuild your cash reserves

green-check

Structure funding around NHS, private, or mixed practice income

green-check

Support buyers at every stage, from first-time purchaser to multi-site practice owner

See our success stories Browse Millbrook's success stories - arrow icon

Who we fund

NHS, private, and mixed practices

We arrange funding for NHS, private, and mixed dental practice acquisitions.. Whichever describes the right practice for you, we can help structure the funding around it.

NHS practices

Acquiring an NHS contract or a practice with a mix of UDA-funded work, we structure lending around the realities of NHS income and commissioning.

Private practices

When buying into a fully private practice or expanding a private group, funding is structured against fee income and patient base value.

Mixed practices

Most acquisitions blend NHS and private income. We structure the deal around how the practice actually earns, not a generic template.

The gap, visualised

Your bank rarely covers the whole price

Most secured lenders fund up to around 70% of the purchase price. The remaining deposit, often £150,000 to £350,000, is the part that catches buyers out. That's the gap we fill, as an unsecured loan alongside your bank's facility.

Millbrook Professions arranges the deposit as a separate, unsecured loan.

Getting to approval

What do lenders want to see in a dental practice application?

Lenders typically assess applications against a consistent set of criteria. Understanding these upfront is what separates a quick approval from a stalled one.

Applicant experience

Are you an associate moving into ownership for the first time, an existing owner adding a further site, or already running your own practice? Your position shapes how the deal is structured.

Clean, complete documentation

The most common reason an application is delayed or declined isn't a weak deal, it's poor credit history or missing paperwork.

Existing liabilities

Any existing debt on the target practice, and how the deal is structured around it, factors directly into what lenders will offer.

Practice profitability

Lenders assess profit performance on both your existing practice and the target practice, and how the two fit together overall.

Working with a broker who packages this properly with full documentation and context up front gives your application the best possible chance of moving through to approval.

Cost of borrowing

What determines the interest rate on your dental practice loan?

Interest rates on dental practice finance vary depending on a number of factors, including:

  • The size and term of the loan
  • Borrowing entity - individual buyer, dental partnership, or corporate chain
  • The applicant's credit profile and trading history
  • Serviceability - the stronger the proposition, the less risk lenders see
  • Current Bank of England base rate and economic outlook

Because every deal is structured differently, we don't quote a single rate. Our expert team will talk you through the real costs for your specific circumstances before you commit to anything.

Talk through my numbers

Application process

How the process works

1

Tell us about the deal

The practice, the purchase price, and any lender or offer already in place.

2

We match you to a lender

With all the information gathered, we match your deal to the right lender on our panel and send over the application.

3

Offer held ready to complete

An offer is usually provided within a couple of days and held ready until your solicitors and secured lender are set to complete. Most acquisitions finish in around 4–10 weeks overall, in line with the wider legal and lending process.

Before you apply

What you'll need to apply for finance

  • Last year-end accounts - to understand the practice's trading history
  • Management accounts to date - showing recent performance
  • Last 6 months' bank statements - to show cashflow and affordability
  • Personal net worth statement - to show the strength of directors behind the application
  • Target practice's accounts - so lenders can assess the practice you're acquiring
  • Heads of Terms and/or SPA - required before funds can be released
£300,000 unsecured deposit loan arranged

Case study

Our Head of Professions, Mark Paddock, has personally structured funding like this throughout his career, including recently arranging a £300,000 unsecured deposit loan so a dental practice owner could expand to a second site without touching their own capital. It was a deal they were on the verge of passing on.

It's the kind of gap-funding solution that turns an acquisition opportunity someone's ready to walk away from into one that completes.

Ready to fund your dental practice acquisition?

Speak to our Professions team and find out what's possible for your purchase. No obligation, no impact on your credit score.

Speak to a professions specialist

FAQS

Frequently Asked Questions About Dentist Practices

How much deposit do I need to buy a dental practice? faq_arrow

Can I get 100% funding for a dental practice purchase? faq_arrow

Can I get funding with an additional surgery for an existing practice owner? faq_arrow

How long does dental practice acquisition finance take? faq_arrow

Do you fund NHS and private practice acquisitions? faq_arrow

Does Millbrook Professions charge an upfront fee? faq_arrow

What's the average loan term for dental practice finance? faq_arrow

Still got questions?

Speak to our specialists
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