We recently supported a growing dental operator with a transformative funding package that strengthened their existing position and accelerated their expansion plans.
The Challenge
Our client owned and operated a successful dental practice but:
- Their existing lending was on an uncompetitive rate and restrictive terms
- They wanted to purchase the Freehold of their existing practice (which they were leasing)
- They had identified a new target site but were concerned about deposit requirements and cash flow impact
- They wanted to preserve capital for growth, refurbishment, and future acquisitions
They needed a smarter funding structure – not just a refinance.
The Solution
We structured a comprehensive funding package that delivered on all fronts:
1. Refinance of Existing Practice Debt
We refinanced their existing borrowing onto:
- A significantly improved interest rate
- A stronger, more flexible banking relationship
- A more growth-friendly facility structure
This immediately improved monthly cash flow and strengthened their balance sheet.
2. Freehold Purchase of Existing Practice
We arranged funding to enable them to purchase the Freehold of their current practice, giving them:
- Full control of the property
- Long-term asset appreciation
- Enhanced security for future borrowing
3. 100% LTV Funding for New Acquisition
Using the equity in the newly secured Freehold and existing Goodwill, we structured:
- 100% Loan-to-Value funding for Goodwill
- 100% Loan-to-Value funding for the Freehold
- All leveraged against their existing owned practice
This meant:
- No deposit required for the new site
- Preservation of personal capital
- Cash retained for professional fees, refurbishment, and working capital
- Faster execution on expansion plans
The Outcome
By leveraging existing assets intelligently, we enabled our client to:
- Improve profitability through reduced finance costs
- Acquire their existing Freehold
- Expand with 100% funding
- Preserve liquidity for future growth
- Accelerate the development of their dental group
A strategic refinance turned into a multi-site growth platform.
Why This Matters
In today’s lending environment, structuring is everything.
This deal wasn’t just about securing finance – it was about building a scalable funding model that supports long-term growth.
If you’re a dental operator looking to refinance, acquire your Freehold, or expand your group, we’d be happy to explore what’s possible.
📩 Get in touch to discuss your plans.
