Tools
Six tools, organized by the decision you are making
Each tool opens on a worked example you can edit, print and take into a lender conversation.
Understanding what a loan actually costs
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Dental practice loan calculator
What would this loan cost, and how does it compare with another structure?
Scheduled payments, amortization, balloon balances, interest through maturity and up to three side-by-side scenarios.
Testing what a practice might be worth
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Dental practice valuation calculator
What does this practice earn once owner pay is normalized, and what do multiples imply?
A normalized-earnings bridge, then separate earnings-based and collections-based value scenarios that are never averaged together.
Funding and surviving a purchase
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Dental practice acquisition calculator
How much cash would this acquisition require, and what remains after debt service?
Uses of funds, buyer cash, owner pay treated as pay, debt coverage, cash-on-cash and downside collections cases.
Owning the building your practice occupies
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Dental practice real estate calculator
What does the property cost in cash up front and every year, alongside the practice loan?
Property financing, initial property cash, combined practice and property debt service, and cash occupancy cost.
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Buy or lease your dental office?
Over the horizon you choose, which option has the lower discounted cash cost?
A pre-tax, nominal-dollar discounted comparison including exit proceeds, remaining debt and selling expenses.
Investing in growth
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Dental practice expansion calculator
Does this project produce enough incremental cash to be worth funding?
Incremental project cash flow with a ramp, unlevered NPV, payback, break-even collections and cash after debt service.
Every rate, amount, multiple and outcome in the default examples is hypothetical, and none of it is a lender offer, a rate quote or a market average. No tool here produces a credit decision, an approval, an eligibility determination or a formal appraisal. How these methods are built and reviewed.
Find financing for your dental practice.
Tell us what you are financing. Most requests reviewed within 2 business hours.