KlinDeck
Insights
Financial and operational resources for clinic owners and healthcare operators.
179 articles
Multi-Provider Practice Profitability: What Changes When You Add a Second Provider
A second provider changes the math of a practice, not just its size. The mechanics of how, and where the profit actually comes from.
The First 90 Days: Cash Flow Realities of a New Healthcare Practice
The first 90 days of a new clinic look different in reality than they do on a pro-forma. A walk through what actually happens to cash flow in the early...
Starting a ClinicHow to Think About Working Capital for a New Healthcare Practice
Working capital reserve is the single most underestimated line item in most new clinic budgets — and the most common reason new practices encounter cash flow stress. How to think...
Financing & CapitalWorking with a Commercial Mortgage Broker: What Clinic Operators Should Know
A commercial mortgage broker can save you significant time and produce better terms than going direct to lenders. Or they can be expensive intermediaries who add little value. The difference...
Financing & CapitalYour Personal Credit Profile in Commercial Healthcare Practice Lending
Most operators applying for their first practice loan focus on the credit score. Lenders look at much more than that — and what they care about is sometimes different than...
Financing & CapitalBDC and Chartered Bank Paths for Canadian Clinic Financing
Canadian healthcare practice operators have two main commercial lending paths: BDC and the chartered banks. The differences between them are real, and choosing the right path for your situation matters.
Financing & CapitalLoan Covenants in Healthcare Practice Financing: What They Are and What to Watch For
The covenants in your commercial practice loan are the rules you live with for years. Most operators sign without understanding them and then encounter the consequences later. What to look...
Financing & CapitalEquity Injection in Canadian Healthcare Practice Loans: How Much Lenders Want and Why
Canadian lenders typically expect a meaningful equity injection on commercial healthcare practice loans. How much they want, what counts, and why a higher injection often produces materially better terms than...
Financing & CapitalDebt 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,...
Practice ValueSelling a Dental Practice in Canada: An Overview of the Process
An overview of the typical process for selling a dental practice in Canada — from valuation and broker engagement through negotiation, due diligence, and closing — with notes on tax...