£15,000: The Average Savings When You Finance Smartly

Hi everyone,   

Most dentists think taking out a loan means something’s gone wrong. But from where I’m standing—owning and advising clinics for years—the right loan, at the right time, can actually be one of the smartest moves you make for your business. 

The real problem isn’t the borrowing itself. It’s not structuring it properly, paying too much for it, or using it for the wrong reasons that gets practice owners into trouble. 

Why Loans Get a Bad Reputation 

The truth is that many business owners wait too long. They scramble for financing when cash flow’s already tight, when an expansion can't be delayed, or when an opportunity demands fast action. 

That’s when banks tighten their terms. That's when you end up accepting rates you shouldn’t—or using short-term facilities for long-term investments.

I’ve seen practices burdened with repayments that kill profitability—not because the loan was a bad idea, but because it wasn’t planned with a clear financial strategy behind it. 

What Access to the Right Loan Looks Like 

Used smartly, finance isn’t a weight—it’s a lever. It helps you refit a clinic without draining cash reserves. It helps you buy a second site, hire key staff, or finally invest in technology that changes patient experience. 

We’ve used it in our own clinics: to fund fit-outs, acquisitions, even bridge short-term cash gaps while bigger plans played out. It’s about using money as a tool, not a trap. 

But getting it right means understanding the real cost of borrowing—not just the interest rate, but repayment structure, flexibility, and how it fits into the bigger financial picture. 

Why Having the Right Finance Partner Matters 

When you're rushed into a deal or left to figure it out on your own, you’re working with a partial view. Different lenders favour different industries, different stages, and different types of assets. Knowing where to go—and how to negotiate—can make a 2–3% difference in your total borrowing cost and save you thousands over the term of the loan. 

That’s why when we help practices raise finance, it’s never just about “getting approved.” It’s about matching the loan to the plan, so it strengthens the practice—not strangles it. 

How We Help You Get It Right 

At Samera, we’ve been on both sides—we’ve borrowed for our clinics, and we’ve helped hundreds of others do it too. We know which lenders understand dental, what terms you should push for, and how to position your application for the best outcome. 

If you’re thinking about a loan—or just want to understand your options before you need one, book a quick call with us: 

Smart finance can push your practice forward. You just have to do it right. 

Until next time, 
Arun