For many dental practice owners and associates, the new year brings a significant Self-Assessment tax bill. With HMRC payments due in one lump sum, cashflow can quickly become stretched – particularly if you are investing in growth, purchasing equipment, or planning a practice acquisition.

An Income Tax Loan can provide a practical solution by spreading the cost of your tax liability into manageable monthly payments.

We work closely with a trusted specialist finance provider who offers income tax funding designed to support business cashflow and reduce the risk of late payment penalties.

Enquire with our finance team today to explore suitable funding options.

Why Consider an Income Tax Loan?
In January 2025, combined receipts from Self-Assessed Income Tax and Capital Gains Tax reached an estimated £36.2 billion – the highest January total since records began in 1999. The majority of this relates to Self-Assessment income tax, which is particularly relevant to dental professionals.

Rather than using working capital or overdraft facilities to pay HMRC, income tax funding allows you to:

• Spread payments over fixed monthly instalments
• Protect practice cashflow
• Avoid late penalties and interest
• Maintain liquidity for growth and investment

For principals, partners, and high-earning associates, forward planning around tax commitments can help safeguard both business stability and future opportunities.

Fast and Straightforward Funding
Through our specialist finance partner, applications are completed online with quick decisions and funds typically available within 48 hours.

As part of our wider support across dental practice sales, valuations, and finance, we can introduce you to the right provider and help ensure the facility aligns with your broader financial plans.

If you have an upcoming Self-Assessment bill and want to protect your cashflow:

Enquire with our finance team today for a confidential discussion.

Early planning can turn a tax pressure into a structured cashflow solution.

The post Income Tax Loans for Dental Professionals: A smart way to manage self-assessment bills appeared first on Henry Schein Dental Practice Sales.

Our Financial Consultant Zoe Forde explains the potential benefits of 100% funding if you’re an Associate considering buying your first dental practice…

100% funding enables you to protect your personal assets

100% lending provides the freedom to invest in the practice which perhaps would not have been achievable.  Some buyers may have strong cash reserves yet prefer 100% lending to preserve their liquidity and maintain financial flexibility. The great news is that 100% finance options are often available and, in many cases, do not require security against personal property.

“Lloyds has reaffirmed its commitment to supporting clients in a competitive market with ongoing reviews of its credit policies. Following valuable feedback from the broker network, the NACFB Patron’s business development team has introduced key enhancements to Lloyds’ dental lending policy. The updates include an extended goodwill lending term of up to 20 years, improving affordability and flexibility for borrowers. LTV ratios have also been increased to 100% for single practices, up to 90% for two to four practices, and case-dependent terms for five or more practices, subject to overall proposition strength.” Lloyds, Press Release  

Lower deposit requirements enable you to step into ownership sooner

Many clinicians struggle to accumulate large savings due to years of investment in education and training. Traditional deposit requirements have long been a barrier to ownership, so full lending removes this obstacle, enabling you to step into ownership earlier.

Acting quickly in a fast-moving market as a first-time buyer

With practice prices rising and competition intensifying, agility is everything. 100% funding allows you to act decisively when the right practice becomes available particularly in competitive sales where speed and certainty are crucial.

With a major lender now offering 100% lending and lower loan-to-value ratios, it’s a clear sign the dental sector remains a stable and low-risk sector, with predictable income streams and strong historical repayment performance. The banks are currently competing with one another on policy as they are all keen to lend in the healthcare sector – specifically dental. This means it’s a great time to buy.

Key reasons to consider buying now:

• 100% lending for first time purchasers
• Longer terms of up to 20 years on Goodwill
• Zero-fee lending options are available through select banks
• Rates as low as 1.45% above Bank of England base rate
• Health care lenders more competitive than ever

Ready to see what you can borrow?

For more information about funding your practice purchase, or to refinance your existing loan, chat to our practice finance team on 01332 609 318 or book a confidential online consultation by clicking the below.

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Unlocking Cash Flow for Practice Owners:

Practice owners often find themselves seeking ways to free up cash flow, especially in an industry where innovation and renovations play a pivotal role in maintaining a competitive edge. Henry Schein Financial Services understands these challenges and partners with an extensive panel of lenders, offering a comprehensive review of your finance loan.

Benefits of Choosing Henry Schein Financial Services:

Preferential Rates:

Henry Schein Financial Services has cultivated long-term partnerships with leading banks, allowing them to secure preferential rates for their clients. These favourable rates are a result of a deep understanding of the healthcare sector and a proven track record of successful collaborations.

Expertise in Positioning Your Case:

Beyond securing preferential rates, the team at Henry Schein Financial Services brings their expertise to the forefront. They specialise in positioning your case to banks in the best possible light, ensuring that you receive the most competitive deals available to you. This knowledge is invaluable in navigating the complex landscape of financial negotiations.

Minimal Disruption to Your Business:

The entire process is designed to be seamless for practice owners. The team at Henry Schein Financial Services understands that your priority is running a successful practice. Therefore, the review and negotiation process occurs while you continue to focus on providing treatments in your surgery, minimising disruptions to your business operations.

No Additional Fees:

As a valued customer of Henry Schein, you can take advantage of these services without incurring any additional fees. The commitment to supporting your business growth is evident in their approach to providing financial solutions tailored to the unique needs of healthcare practices.

Conclusion

Your practice acquisition loan is a critical aspect of your financial health, influencing both your current operations and your future retirement plans. By partnering with Henry Schein Financial Services, you can unlock the potential for enhanced cash flow, allowing you to invest in innovations and renovations that will keep your practice competitive. Take control of your financial future, stop overpaying on your acquisition loan, and ensure that your practice is the best it can be with the support of a dedicated financial partner.

Contact our team today to stop overpaying on your acquisition loan.

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