Klindeck
Insights
Financial and operational resources for clinic owners and healthcare operators.
180 articles
Leaving a Salaried Healthcare Job for Private Practice: The Revenue Needed to Replace Salary, Benefits and Pension
In a worked example, matching a $100,000 salaried package takes about $238,200 a year in collections in Canada and about $269,000 in the US. This guide prices the full package, compares how major healthcare pension plans index for inflation, and...
Why New Clinics Run Into Cash Flow Stress in Months 4 to 6
The most stressful financial period for most new clinics is months 4 through 6 — after the working capital reserve has been depleted but before revenue has caught up. Why...
Starting a ClinicThe 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,...