Referral partners · Lawyers

Why lawyers refer practice purchases and buy-ins here

You draft the purchase, the buy-in and the partnership change. Financing decides whether any of it closes.

Make an introduction Request the co-branded one-pager

Your vantage point

What you see first

You see the shareholder agreement, the lease, the buy-sell terms and the succession plan — the documents that decide what a lender is actually being asked to finance. When financing is arranged around those documents rather than discovered by them, the file moves.

From where you sit

Where these files come apart

Terms are agreed that the financing cannot follow

A closing date, a deposit structure or a payment schedule agreed without reference to how the money arrives is the most common reason a signed deal stalls.

The lease is the weak link

For a clinic that does not own its premises, the lease is part of the security. Its length, assignment terms and renewal rights matter to a lender as much as to your client.

A buy-in is treated like a purchase

Buying into an existing partnership is its own kind of file — what is being bought is a share of a going concern, and it is assembled differently.

After the introduction

What your client gets

Financing structured around the documents rather than in spite of them
One project covering the practice, the premises, the equipment and the working capital
An early, straight answer on whether the terms being negotiated are financeable

What this page will not do is quote you a rate, an amount or an approval. Practice financing is priced and approved file by file, and a number invented here is one you would end up repeating to your own client.

The protocol

What stays yours

The retainer and the relationship are yours. This desk arranges financing and gives no legal advice — your client's agreements stay entirely your work.

Make the introduction

An email naming your client and the transaction type is enough to start. Nothing privileged is needed.

We take it from there

Your client gets the structure conversation, the file assembly and the lender placement.

You keep the relationship

The client stays yours, and this desk has nothing to sell them but financing.

How a client is protected

Four professionals, one table

The strongest protection a client can have is not one careful adviser — it is four, each standing in front of a different risk. So this desk brings them in on purpose: your client’s accountant, their lawyer, their adviser and the financing, working the same file at the same time. Not four opinions arriving separately, but one plan that all four voices agree on.

Ramin protects the financing

That the structure, the lender and the terms are the right ones for this file — not simply the ones that were available on the day. Debt taken badly is the thing that turns a good practice into a hard decade.

The accountant protects the tax position

That the purchase sits properly inside the corporate structure, and that nothing lands on the client's year that nobody planned for.

The lawyer protects the exposure · that is you

That the agreements, the security given and any personal guarantees say what the client believes they say — and that what is at risk is what they agreed to put at risk.

The adviser protects the plan

That this move fits the strategy it sits inside, instead of quietly undoing years of it.

That is what makes the protection more than the sum of it: nobody works in the dark, the plan is checked from four directions before anything is signed, and each professional catches what the others cannot see from where they sit.

Working alongside the client’s accountant and lawyer is the normal way a file runs here, not a favour. This desk arranges financing and gives no tax or legal advice — naming the other three seats is how that responsibility stays where it belongs.

Start it

One email is enough

Write to ramin@mortgageguru.ca or call 778-879-6768. If you would rather send it through the form, it is on the partners page — and the co-branded one-pager, carrying your firm’s name alongside this desk’s, is requested there too.

The other channels