What financial metrics should an independent clinic track each month?

Operators commonly monitor operating margin, debt service coverage ratio (DSCR), working capital reserve measured in months of operating expenses, owner compensation as a share of revenue, and revenue per visit. KlinDeck's dashboard compares each of these against published benchmark ranges for 12 clinic specialties. The output is descriptive and comparative; it does not constitute financial, accounting, tax, or business advice, and professional advisors should be consulted for decisions.

What is a good debt service coverage ratio (DSCR) for a clinic?

Commercial healthcare lenders commonly look for a DSCR of around 1.20x as a minimum for new financing, with roughly 1.50x regarded as comfortable and 2.0x or higher regarded as strong; a ratio below 1.0x indicates operating income alone does not cover scheduled debt payments. These are general thresholds for reference only and any specific lender decision depends on many additional factors. KlinDeck's dashboard shows where an operator's entered figures fall relative to these common thresholds.

How much working capital should a clinic keep in reserve?

Published benchmarks suggest a working capital reserve in the range of roughly one to three months of operating expenses depending on the specialty, with adequacy depending on revenue volatility, payer mix, and operator preference. KlinDeck's dashboard expresses an operator's cash balance as a number of months of operating expenses and compares it to the published range for the selected specialty. This is descriptive context, not a recommendation; reserve targets should be set with a qualified advisor.

Where does KlinDeck's dashboard benchmark data come from?

Benchmark ranges are compiled from publicly available industry research, professional association reports, and published practice financial data, and KlinDeck's overall methodology is described on its published data methodology page. The data is compiled with AI assistance and individual data points have not been independently verified. The dashboard is an educational and comparative tool, not a substitute for professional financial, accounting, or tax advice.

Clinic Financial Dashboard

See Your Practice
Through the Right Lens

Enter your clinic's monthly numbers. Get a personalised dashboard showing how your operating margin, debt service coverage, working capital position, and owner compensation compare to published benchmarks for your specialty. Free. No account required. Built for independent operators.

12 Specialties US & Canadian Benchmarks Lender-View Analysis Free · No Account

Market:

Step 1 → Select your specialty below

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How to use this dashboard

Select your specialty and country above. Enter your most recent month's financials below — gather these from your bookkeeping software or accountant. The required fields take 3-5 minutes. Optional fields make the dashboard more specific. Click Generate Dashboard to see your numbers compared to published benchmarks for your specialty. Your data is not stored — each visit produces a fresh dashboard.

Your Specialty

🏃️

Physiotherapy / PT

🦴

Chiropractic

🦷

Dental (General)

✨

Med Spa / Aesthetics

🧠

Mental Health

😁

Orthodontics

🔬

Dental Specialist

👂

Audiology

⚕️

Rehab / Allied

🦶

Podiatry

👁️

Optometry

💉

IV Therapy / Wellness

Your Numbers — Most Recent Month

Required Inputs All amounts in CAD · Take from your most recent complete month

Monthly Collected Revenue *

Cash actually collected from patients and payers this month — not gross billed.

Total Monthly Operating Expenses *

Rent, staff, supplies, software, insurance, marketing, etc. Excludes debt service and owner pay.

Monthly Debt Service Optional, defaults to 0

Total monthly payments on all loans and equipment financing.

Monthly Owner Take-Home *

Combined salary, draws, dividends — what you actually paid yourself this month.

Operating Cash Balance *

Current balance in operating account(s) — your working cash reserve.

Visit Count Optional

Total billable visits/sessions this month. Used to calculate revenue per visit.

Expense Breakdown (optional) — surfaces rent and staff cost benchmarks ▼

Monthly Operating Expenses by Category — must sum to ≤ total operating expenses above

Rent & Occupancy

Staff & Labour

Payroll, benefits, contractor payments. Excludes owner compensation.

Supplies & COGS

Software, Insurance, Other

Software, insurance, marketing, professional services, misc.

Don't see your specialty? General medical practice, occupational therapy, and certain specialty practices aren't currently included because structural variance (payer mix, capitation, hospital affiliation) makes single-tool benchmarks less reliable for those segments. The Profitability Calculator works for any specialty.

Disclaimer: All benchmarks are sourced from publicly available industry research, professional association reports, and published practice financial data. They represent ranges and medians across published studies — not a guarantee of performance for any individual practice. Your results will vary based on market, size, staffing model, payer mix, and management. The dashboard is descriptive and comparative — it surfaces patterns in your numbers relative to published benchmarks. It does not generate financial, accounting, legal, tax, or business advice, does not predict outcomes, and does not recommend specific actions. Benchmark data is compiled with AI assistance from published sources — individual data points have not been independently verified. Verify any material figures directly with relevant industry sources before relying on them for significant business decisions. Users are responsible for assessing whether they have sufficient financial knowledge to interpret the dashboard appropriately, and for obtaining professional advice where they do not. KlinDeck is not a licensed financial advisor. Consult qualified accounting, tax, legal, and business professionals before making significant business decisions.

How we source this data →

Country/region

See Your PracticeThrough the Right Lens

See Your Practice
Through the Right Lens