Calculators

Restructuring what you already owe

For a clinic already trading. Which facilities are going nowhere at today’s payment, what the equity in your building could carry, and what a single structure would free up each month.

Restructuring

Debt that is going nowhere.

Most established clinics are not carrying one loan. They are carrying six, added a year at a time — a mortgage, a practice loan, equipment leases, an operating line, a card. Some of them, at the payment being made, will never clear. Put them all in one place and see what the building could carry instead.

What you owe today

Commercial mortgageon the clinic propertyBalanceRate %PaymentRoll in
Practice loangoodwill and acquisitionBalanceRate %PaymentRoll in
Equipment loans and leaseschairs, imaging, fit-outBalanceRate %PaymentRoll in
Operating linerevolving, interest-onlyBalanceRate %PaymentRoll in
Corporate cards and otherwhatever is leftBalanceRate %PaymentRoll in

What it could look like instead

$2.6M
75%
6.5%
20 yrs
10 yrs
Set a balance to zero for anything you do not have. Untick a facility to leave it exactly where it is — a lease with a punishing break cost often stays. Anything already registered against the property still takes up room even when it is left alone, and the calculation accounts for that.
$0
a month, freed up
Going out today$0
Going out after$0
Freed up over a year$0
Rolled into one facility$0
Room against the property$0
Interest before, over the period$0
Interest after, over the period$0
Interest saved over the period$0

The new payment shown is the opening one, the highest it will ever be, because a commercial principal-and-interest loan starts high and falls. Lowering a payment by stretching debt over a longer period can cost more interest in total, so both figures are shown and neither is hidden. Arithmetic on figures you supplied — not an approval or an offer. Arithmetic last checked for accuracy on October 15, 2026.

Get started

A calculator is a starting point, not an answer

Real numbers on a real file come from a conversation. Bring what you have and you will get a straight read on it.

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