A fully bank-funded practice purchase made possible through strategic lending and residential equity
At Fifty Nine Financial, we recently helped an experienced associate dentist secure 100% finance to buy her first dental practice – without needing to put down a cash deposit.
That’s right: a fully bank-funded acquisition – offer achieved in just 4 working days from application.
While 100% dental practice funding is rarely offered in the current lending environment, this case is proof that with the right approach, it is possible.
The Client
Our client is a highly experienced associate, with over 20 years in dentistry and a strong background in private, restorative work. She had always dreamed of running her own practice – and when the right opportunity came up, she needed fast, reliable funding to act quickly.
The Challenge
Most lenders will require a deposit of 10%–20% for dental acquisitions. And when it comes to leasehold practices, 100% funding is even more difficult to secure.
But thanks to our specialist knowledge of dental finance and close working relationship with lenders like Lloyds Bank, we were able to:
Present a compelling case for full funding
Structure the deal to reflect the client’s personal and professional strengths
Use equity in her residential property as additional security to eliminate the need for a deposit
The Solution
Lloyds Bank agreed to provide 100% of the purchase price, with a charge placed on the client’s home for an initial period. No cash deposit was required.
This allowed our client to:
Acquire a well-established dental practice
Take action with minimal cash reserves
Secure ownership without delay or compromise
Why This Matters
If you’re an associate dentist looking to buy your first practice, don’t assume a large deposit is always required.
With the right guidance and a tailored funding strategy, 100% financing can be a real option — even in today’s more cautious lending market. Of course, a strong, profitable target practice is also required to make a deal like this work.
Thinking About Buying Your First Practice?
We specialise in helping dentists navigate the complexities of practice finance — from first-time buyers to seasoned group owners.
Whether you have a deposit or not, we’ll help you explore all your funding options — and guide you through the process from start to finish.
📞 Get in touch today for a free consultation and see how far your ambitions can go.
You can also check out another blog post covering zero deposit dental practice finance!
