Healthcare Finance

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Healthcare Finance

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Funding your dental practice or pharmacy purchase

Commercial lenders typically have a good appetite around funding healthcare transactions. Especially finance for a dental practice or pharmacy. To help support your healthcare purchase, we are independent, meaning we are able to source finance from a panel of lenders. This means, through experience and our relationships, we can find you the best available deal to finance the purchase of your dental practice or pharmacy. We have been involved in many practice and pharmacy purchases, from first time buyers to experienced business owners expanding their group.

The process made simple

Initial Assessment

We will carry out an initial assessment, reviewing your assets and liabilities. This will help us to establish the financial situation of a person looking to finance a dental practice or pharmacy purchase. Typically, this is done with a basic fact find along with an assets and liability summary. That allows us to form a picture of what a lender may be able to do, depending on the specifics of the business you would like to buy. Remember, we're here to help you.

Pre Offer Enquiry

Once you find a practice or pharmacy that you want to purchase, if you provide us with the details we can discuss an initial proposition with the lenders to see if they feel it would be something they could consider. Having this knowledge provides the buyer with some confidence when going to view a practice.

Offer Accepted

Once you have an offer accepted, Fifty Nine Financial will put together a business case that covers the current status of the practice, and the plan to take that business forward. We will then tender your application to the lenders, along with the other supporting documents that are needed to secure the practice finance, and secure the most competitive terms.

Supporting You Until Completion

We fully appreciate that buying a practice or a pharmacy is a huge step, and no doubt quite daunting. But that's why we will be there to support you all the way through to the day of completion.

Fifty Nine Financial for your Dental Practice or Pharmacy finance

5 Star Service

We base everything we do around delivering excellent service and building relationships with our clients. Ultimately, we want you to come back to us time and time again. Our service standards help us to achieve this. Read our reviews from other Dentists and Pharmacists.

Established Relationships

When it comes to getting deals over the line, a strong working relationship with the people making the decision goes a long way. Knowing the right solution so we're not wasting time and getting things done once you have found the practice or pharmacy you want.

Full Menu Of Services

We are directly authorised with the FCA. This means, as well as your commercial funding requirements, we can also help with many other financial service needs. Such as personal mortgages and insurances. Something a lot of commercial brokers can't do.

In House Insurance Advice

Most commercial loan offers stipulate that you protect that debt with a life insurance policy. As we are also FCA regulated insurance brokers, it means you don't have to go elsewhere. We can arrange it all for you.

Healthcare Finance - important considerations

Term Of The Loan

There are many factors that can influence the term of the loan. Affordability will play a part. As a general rule the term on a commercial loan to buy a practice or pharmacy will be between 15 - 25 years.

Loan To Value

Healthcare is regarded a solid industry when it comes to commercial finance. For this reason there is typically a strong appetite to lend in this area. Depending on the structure of the deal, any additional security etc, LTV will vary but in healthcare is is not uncommon to achieve 100% loan to value if the deal can be structured in a way that makes the lender happy.


In simple terms, ‘affordability’ or 'serviceability' refers to the ability to make repayments on a loan. This is, of course, established on a case by case basis. A lender will most likely want to see that an applicant can afford to live comfortably when factoring in the cost of the repayments, so that they are minimising the chance of financial distress further down the line.

Specialist Lenders

Every bank or funder has their own criteria and preferable industry sector when it comes to lending. That's why it is important to know which lenders favour supporting dentists or pharmacists. Which lenders prefer financing dental practices or pharmacies.

Why Fifty Nine Financial?