About
The broker on the other side of
a practice acquisition.
Buying a clinic is not buying a house with extra steps. Here is who handles the file, what he did before this, and the licence numbers you can check without asking anyone.
Ramin Hallaji-Dezfouli
Mortgage broker · British Columbia & Alberta
Practice financing is a small world, and the file usually matters more to you than any single deal will ever matter to a lender. One broker carries it end to end — through the vendor’s accountant, the landlord’s lease assignment, and the college’s transfer conditions.
Check the licence yourself
Both open the regulator’s own record for Ramin, not a company page.
Before this
He ran the numbers on his own career first.
Before mortgages, Ramin worked the oil fields out of Grande Prairie, Alberta — day shifts, night shifts, hundred-hour weeks, three young children at home. He spent six months researching what to do next: bank advisor, realtor, or mortgage broker. It was a business decision made the way you would make one, with the downside written down.
He was licensed in November 2020 and had his first approval submitted within ten days. First-year target $100,000; first-year result $154,000. By twelve months in the business he was in the top 50 of Dominion Lending Centres by monthly revenue, and by 2025 in the Master Club — the top 5% of more than 4,000 brokers nationally.
The relevance to you is narrow but real: he has bought himself out of one career by underwriting it properly, and he does not confuse a practice purchase with a mortgage application.
Why a separate desk
A clinic is three deals wearing one suit.
There is the practice itself — goodwill, patient list, equipment, receivables. There is often the real estate underneath it. And there is the working capital to survive the first quarter while collections catch up with payroll. Lenders price all three differently, and a lender who is comfortable with one is frequently not comfortable with the others.
That is before the parts nobody puts in the deck: the vendor staying on for a transition, the associate buy-in that changes the ownership percentage mid-application, the lease that has to be assigned before funding, and the regulatory college that has its own timetable.
A desk that only does this knows which lender to lead with, and in what order the pieces have to close. That is the entire reason this one exists separately from the residential side of the practice.