• Extension’s
• Conversion to private/capitation scheme
• Expansion

• Monthly profit and loss
• Bi Monthly
• Quarterly
• Six Monthly
• Prepare monthly payrolls and the necessary returns to HMRC
• Collate your receipts and expenditure into an excel spreadsheet reconciled to your bank account ready for your accountant to finalise your tax return {These may be a condition of borrowing from your lender or aid you with the development / monitoring of the business.}

• Full refurbishment
• Extension to surgery
• Taxation loans
• Building loans

Note: This part of the finance is carried out by BCarr Associates on behalf of Snowbird Finance Ltd 

• Interest cover – to ensure that interest and operating leases can be covered by operating profits before amortisation.
• Minimum EBITDA (Earnings before interest tax depreciation and amortisation) – the ongoing ability to generate a minimum level of EBITDA
• Occupancy levels – to ensure that occupancy levels do not fall to an unacceptable level Impacting on earnings, debt serviceability etc.
• Debt servicing – testing the ability to generate adequate EBITDA or operational cashflow to cover debt obligations, both principal and interest
• Members Capital – normally for LLPs to ensure a minimum level of permanent capital is maintained in the business
• Maximum Gearing Covenant – to ensure an acceptable balance between interest bearing debt and capital/shareholders’ funds within the business
• Dividends – restrict the borrower’s ability to make certain payments that may adversely affect the ability to repay borrowings.

• NHS uplift
• Lease renewals
• Practice purchase
• 2nd Practice purchase

• Cashflow
• Purchase optimisation
• Stock control
• Free setting
• Surgery utilisation
• Staffing levels

Whatever your finance needs we can take this forward for you.

We will advise on the suitable methods of finance, prepare detailed proposals for banks, and then help you to negotiate appropriate terms.

All fees and expenses are fully budgeted, itemised and presented to client’s at regular intervals during a project