Financing Solutions for Established Dental Practice Operators
State Bank of India (UK) Ltd provides tailored financing solutions for experienced dental practice owners seeking funding for acquisitions, refinancing and business expansion.
What is Dental Practice Finance?
Dental Practice Finance is designed to support established dental operators acquiring or refinancing dental practices and related assets, including:
- Dental practice goodwill
- Freehold dental practice properties
- Composite transactions involving both goodwill and property
- multi-practice dental groups
- Practice expansion and consolidation opportunities
Key Features
- Minimum Loan amount - £250,000
- Maximum Loan amount - £3,000,000
- Funding available for composite transactions involving both Goodwill and Freehold Property
- Properties and businesses must be located in England & Wales
- Target Transactions – Acquisition, Refinance & Expansion
Loan-to-Value (LTV)
| Asset Type | Maximum LTV |
| Goodwill | Up to 80% |
| Freehold Property | Up to 95% |
| Maximum Loan Term | 5 Years |
| Amortization Term | Goodwill – 15 Years, Freehold – 25 Years |
Eligible Practice Types
- NHS Practices
- Mixed Practices
- Private Practices
- Specialist Practices
- Dental Groups
Asset Types Considered
- Goodwill
- Freehold Property
Applicant Types
- Individuals
- Sole Traders
- Partnerships
- UK Incorporated Limited Companies
- Overseas incorporated companies where at least one shareholder,beneficiary or director is a UK resident
Eligibility & Credit Criteria
All facilities are subject to satisfactory credit assessment, valuation, affordability analysis, business performance review, due diligence and State Bank of India (UK) Ltd lending criteria.
Eligible Transactions
We currently provide funding for:
- Composite funding where the transaction includes both Goodwill and Freehold Property
The following transactions are not currently available under this product:
- Standalone Goodwill funding
- Start-up dental practices
- Squat dental practices
Important Information
- All lending facilities are subject to status, satisfactory credit assessment, independent valuation, and the Bank’s prevailing lending criteria. Security over business assets, commercial property, and/or personal guarantees from directors/partners will be required.
- The products and/or services featured above are unregulated. Your assets or property may be at risk if you do not keep up repayments on a loan or any other debt secured on them.
- The maximum Loan-to-Value (LTV) limits, loan terms, and any interest rates displayed are indicative only and represent the maximum available limits. Actual terms, margins, and other fees associated with this product applicable to your facility will be determined on a case-by-case basis and will be detailed in your formal facility letter.
- Funding for NHS and Mixed Practices is strictly subject to the satisfactory verification, assignment, and protection of NHS General Dental Services (GDS) contracts, where applicable.
- The Bank reserves the right to withdraw or amend this product or its criteria at any time without prior notice.
For more information or to discuss a transaction, please contact our Commercial Real Estate Finance team.
Email:Abilash.ranganathappa.sbiuk@statebank.com
Please, Click here to get Dental Practice Product Guide