Growth isn’t just about finding the right opportunity — it’s about structuring it correctly.
The Brief
Our client owned an established, well-performing dental practice and was ready to expand their portfolio. They identified a second practice valued at over £2 million — a significant step up in scale and complexity.
Their objectives were clear:
- Acquire the new practice
- Preserve personal liquidity
- Improve the terms on existing borrowing
- Build a structure that supports further expansion
This wasn’t simply about securing finance for one transaction — it was about creating a platform for long-term growth.
The Challenge
At this level, acquisitions require careful structuring. Lenders will scrutinise:
- Existing debt exposure
- Group cashflow sustainability
- Security position
- Long-term growth strategy
Many buyers assume a large capital injection is required for a £2m+ purchase. However, with the right positioning and presentation, leverage can be used strategically.
Our Approach
We structured the transaction to achieve three key outcomes:
1. 100% Funding for the New Acquisition
The £2m+ purchase was funded with no deposit required, preserving the client’s capital for future opportunities.
2. Refinance of Existing Debt
We refinanced the original practice borrowing onto a more competitive rate, improving overall group cashflow and strengthening affordability metrics.
3. Future-Proofed Structure
The group structure was aligned to support scalability. As part of the approval process, we secured a clear appetite from credit to support additional acquisitions moving forward.
Rather than treating this as a standalone deal, we positioned it as the next step in a defined growth journey.
The Outcome
- £2m+ acquisition funded at 100%
- Improved borrowing terms across the existing portfolio
- Stronger consolidated cashflow position
- Credit-backed support for further expansion
Most importantly, the client retained their liquidity while increasing asset ownership and building long-term value.
Strategic Growth Requires Strategic Funding
There is a significant difference between arranging finance for a single transaction and structuring funding to enable portfolio expansion.
For ambitious operators looking to scale, funding should not just solve today’s requirement — it should create tomorrow’s opportunity.
If you are considering acquiring your second or third practice, our team can help you structure funding in a way that supports sustainable, long-term growth.
