Most practice owners don't have a cash flow problem. They have a packaging problem. We turn your practice data into the credit package a lender can actually approve.
Lenders see hundreds of files a month. If your margin looks compressed or your productivity looks soft, they won't call to ask why. They just decline.
A 13% owner margin looks bad next to a 24% industry average until someone explains it's an investment-lag artefact with identified recovery levers.
Your NTR statements are accurate. They're also silent on DSC, covenants, benchmark positioning, and the capacity-investment thesis a lender needs to see.
By the time you hear "the committee had questions," it's already dead. Every predictable objection needs a rebuttal with evidence attached, written before the file leaves your hands.
You run a practice. You see patients. Preparing a submission the way a banker reads it is a full-time job. That's the one we do.
Every engagement produces three documents: a scorecard, a submission-ready report, and an internal rebuttal pack for the hard committee questions.
A one-page verdict with a 16–20 factor assessment against industry benchmarks. Green, yellow, and red flags across margin, productivity, debt service, lease, and ownership. Every yellow flag arrives with the narrative already written.
The document your lender actually needs to approve the file. Executive summary, normalized financials, DSC stress test, capacity-investment thesis, and benchmark commentary, all written in credit committee language.
The internal prep document that keeps you from being surprised in committee. Every predictable objection has an answer attached. Every covenant is modeled across scenarios. The "committee had questions" moment is the one you've already rehearsed for.
Start with a consultation to understand your bankability today, or go straight into a full package engagement when you're ready to take a file to market.
A focused working session to assess your bankability and map your path to a credit-ready file.
The complete three-document credit package, ready to hand to your banker.
Add-on. We engage up to 3 banks on your behalf and run the funding process end-to-end.
Most engagements follow the same four-step rhythm. You provide the raw material; we translate it into the credit narrative your lender is already looking for.
2–3 years of financials, benchmark reports, lease details, and operational data. You fill out a structured intake; we do the lift.
Within 10 business days we deliver the Flag Report and walk you through it. You confirm the narrative on every yellow flag.
We produce the full submission package and the Enhanced Credit Analysis. You review, we refine, we sign off on a ready-to-submit file.
With Full Representation, we run the process with your lender(s) of choice until a term sheet is on the table and funding clears.