WhiteSmile Estet obtained long-term financing for greenfield investment

FIP acted as financial advisor to WhiteSmile Estet, a growing dental clinic based in Botoșani, Romania, on securing long-term bank financing to support a major greenfield investment and expansion of its clinical services.

Business needs:

WhiteSmile Estet sought reliable financing to develop a new, modern dental facility and invest in state-of-the-art medical equipment. As a greenfield project with no existing asset base, the clinic faced challenges in structuring a bankable financing solution that aligned with its growth ambition while preserving financial flexibility.

FIP approach:

• Conducted in-depth financial planning and cash-flow modelling to support a compelling financing package.

• Structured a bank financing solution tailored for greenfield investment, optimizing maturity, covenants, and repayment terms.

• Managed the entire interaction with potential lenders, including preparation of termsheets, due diligence materials, and financial forecasts.

• Advised on negotiation strategy and documentation to ensure favourable termsfor the client.

Results:

• WhiteSmile Estet successfully obtained long-term financing from a leading financial institution to fund construction, equipment procurement, and working capital for the new clinic.

• The financing terms achieved provide predictable cost of capital and align with the clinic’s projected growth and cash-flow generation.

• FIP’s end-to-end advisory support helped the client accelerate execution while mitigating financing risk