Dentists Who Invest Podcast How Finance Has Change Over The Years with Ray Cox [CPD Available]
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
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Ownership is back on the table—and not just for the fearless few. We sit down with finance specialist Ray Cox to unpack why more UK dentists are walking away from corporates and building practices that reflect their values. From cultural tailwinds to smarter lending, the ground has shifted in favour of clinicians who want control, flexibility, and long-term upside.
We compare squats and acquisitions with clear-eyed criteria lenders use today: headroom for growth, realistic demand, and operational discipline. You’ll hear why a well-planned squat can be less risky than an overpriced acquisition, how healthcare specialist teams at banks now evaluate dental cash flows, and what makes a business plan bank-ready. We also tackle refinancing—how owners who launched five to seven years ago are securing better terms, freeing cash, and leveraging equity to open a second site.
Beyond finance, we dig into the strategic moves that build resilient private practices. The frenzy for align-bleach-bond is fading as new owners double down on family dentistry, prevention, strong recall systems, and measured expansion into specialisms like implants. The NHS vs private decision is decisive among younger owners in England, with membership plans increasingly used to stabilise income without sacrificing clinical freedom. Add in interest rate dynamics and inflationary headwinds, and you’ve got a candid field guide to starting or scaling a modern dental practice.
If you’re weighing buy versus squat, plotting a refinance, or designing a patient-first model with durable cash flow, this conversation will help you move with confidence. Subscribe, share with a colleague who’s ownership-curious, and leave a review with your biggest takeaway—what’s your next step toward running your own practice?
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