KlinDeck
Insights
Financial and operational resources for clinic owners and healthcare operators.
31 articles
Clinic Equipment Financing in 2026: Lease vs Buy, the Captive-Lender Question, and How to Get Matched
Equipment is the second-largest capital line in most clinic builds, and the financing is usually arranged at the vendor's desk without a single competing term sheet. The honest framework for lease versus buy, where vendor financing genuinely wins, and a...
Debt Service Coverage Ratio (DSCR) in Healthcare Practice Lending
DSCR is one of the most important metrics in commercial healthcare practice lending, and one of the most misunderstood. An overview of how it's calculated, why lenders rely on it,...
Financing & CapitalDental Equipment Financing: Chair Packages, Imaging, and Capital Planning
Dental equipment represents a substantial portion of startup and expansion capital. An overview of the financing structures commonly used, how chair packages and imaging equipment are typically funded, and planning...
Financing & CapitalHow SBA 7(a) and 504 Loans Are Used in Dental Acquisitions
The SBA 7(a) and 504 loan programs are commonly used to finance dental practice acquisitions in the US. An overview of how the programs differ, what lenders examine, and common...
Property & LeaseWhat Is a Tenant Improvement Allowance — And What It's Actually Costing You
Most healthcare operators know a TI allowance sounds like free money. It isn't. Here's how landlords recover it through your rent, how to calculate the embedded cost, and what it...
Growing Your ClinicHow to Finance a Clinic Acquisition
Financing the purchase of an existing practice is structurally different from financing a startup. Here's how the capital stack, the lending conversation, and the due diligence process differ — and...
Financing & CapitalHow Equipment Sale-Leaseback Works — And When It Makes Sense
Equipment sale-leaseback is a financing structure that lets clinic operators convert owned equipment into cash without selling the practice or taking on new debt in the traditional sense. Here's how...
Running Your ClinicHow a Business Line of Credit Works for a Clinic
A business line of credit is one of the most useful financial tools available to an established clinic — and one of the least understood before the first time it's...
Financing & CapitalHow Equipment Financing Rates Are Determined — And What Affects Yours
Equipment financing rates for healthcare clinics vary more than most operators expect — and the variables that determine what rate you're offered are specific and manageable. Here's how the rate-setting...
Starting a ClinicHow Working Capital Works for a New Clinic — And How Much You Actually Need
Working capital is the most underestimated component of clinic startup planning. Here's what it actually is, how much published resources describe as necessary, and what happens when it runs out.