40% of Buyers Don’t Understand their Loan Terms.

Hi everyone,   

The deal looks promising. The location’s great. The numbers (at least at first glance) make sense.  

But then reality hits: getting the funding in place is a whole different game. 

I've seen more deals fall apart because of finance than anything else. Not because the buyer wasn’t serious but because they didn’t plan early, or worse, went to the wrong lender with the wrong approach. 

The banks might smile at you in the beginning but without the right structure behind your application, most won’t commit when it really counts. 

Where Practice Buyers Get Stuck 

The biggest mistake? Treating acquisition finance like a formality. It’s not. 

Lenders are looking for more than your enthusiasm—they want solid forecasting, a clear repayment strategy, and confidence that you’ve thought through the transition.  

If your application doesn’t show that, you're either getting declined or paying more than you should. 

That stat plays out in the dental world too, especially when the pressure to move quickly takes over. 

What Smart Acquisition Finance Looks Like 

The best deals come together before the offer goes in. That’s why we always start with a plan. 

What’s the real value of the practice? How much working capital will you need in those first six months? What’s your fallback if income dips? These aren’t just questions for the lender, they’re questions for you. 

When we help dentists structure acquisition finance, it’s not just about “getting approved.”  

It’s about ensuring the funding is tailored to your plan, repayment terms that work for your cash flow, flexibility to grow, and a lender who actually understands the dental sector. 

How We Help You Buy with Confidence 

Because we’ve done this ourselves—multiple times—we know how to talk to lenders, what numbers to present, and how to structure the deal so it supports your long-term goals. 

We work with a panel of specialist lenders who know the sector, so we’re not just guessing who might say yes. And because we sit on both sides—as both owners and advisors—we know what a deal looks like when it’s built to last. 

📞 Book a call with us today, we’ll help you get the funding sorted so you can focus on the opportunity, not the red tape. 

Until next time, 
Arun