Calculators

Will the whole deal qualify?

The building, the practice, the leaseholds and the equipment together, projected the way the file actually goes to a lender — year by year, with the coverage number underwriters look at.

The whole deal

Projected the way a lender actually reads it.

This is the arithmetic of a real projections package — the kind an accountant prepares and a credit team reads. Each piece of the deal gets its own schedule; the interest-only years get tested against the first year real principal is due; and the answer is the coverage number the file lives or dies on.

See the same idea on a funded file: North Shore medical clinic financing — real estate, leasehold improvements and operating credit underwritten as one project.

The practice’s cash flow

$400,000

The building — leave at zero if leasing

$2M
25 yrs
24 mo

Practice, leaseholds and equipment

$600,000
12 yrs
24 mo

Everything else

$0
4.2%
1.25×
The schedules here are annual, the way projection packages are actually prepared: equal principal over the years left after the interest-only opening, interest on the year’s average balance rounded to the nearest hundred dollars. Tax uses the small-business treatment — 11% up to $500,000 of pre-tax income, 27% on the excess — with depreciation taken as the practice-and-equipment amount over ten years. Your accountant’s real projections will differ in the details; the shape is the same. The rate is yours to change — nothing here is a quote.
0.00×
coverage in the tightest year
Total borrowed$0
Payments in year one$0
First full year — payments$0
…of which principal$0
Tax that year$0
Cash left after interest and tax$0
Coverage that year—
Before-tax cash the payments really take$0
Roughly supportable at your target—

Principal is repaid from after-tax dollars, so the “before-tax cash” line grosses it up at the small-business rate — that is the number the practice actually has to earn. Modelled on the anonymised projections prepared for a real financed clinic; arithmetic on figures you supplied. Not an approval, a pre-approval, or an offer, and not tax advice. Arithmetic last checked for accuracy on October 15, 2026.

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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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