Whether you are acquiring an established practice or opening de novo, get a lender-ready plan that covers goodwill, equipment, staffing, and a realistic patient ramp.
Chairs, imaging, sterilization, and CAD/CAM equipment push capital needs into six or seven figures, and lenders want every line itemized
Acquisition deals lean heavily on goodwill financing, and banks scrutinize collections trends, payer mix, and seller transition assumptions before approving
Insurance reimbursement varies by PPO, Medicaid, and fee-for-service mix, so weak payer assumptions undermine the entire revenue model
Owner-dentist production, hygiene capacity, and patient ramp on a de novo are easy to overstate and the first things underwriters challenge
Acquisition, de novo startup, or expansion - tell us your specialty mix, chair count, market, payer mix, and funding need.
Owl generates a complete SBA plan with production capacity, hygiene utilization, payer mix, equipment and buildout budgets, and 3-year financial projections.
Export a polished PDF that explains your production model, transition plan or ramp, and how the loan gets repaid.
Yes. Owl supports practice acquisitions, partner buy-ins, de novo startups, and expansions or second locations. The plan adjusts goodwill, transition assumptions, equipment needs, and patient-ramp timelines to your scenario.
Lenders typically focus on production and collections trends, payer mix, hygiene productivity, active patient count, goodwill vs. hard-asset allocation, owner-dentist compensation, and whether projected cash flow comfortably covers debt service after the transition or ramp.
Your projections separate revenue by PPO, fee-for-service, Medicaid, and in-house membership plans, with adjustments for write-offs and collection rates so lenders see realistic net production instead of gross billed amounts.
Yes. The plan includes an itemized use-of-funds section for chairs, imaging (pano, CBCT, intraoral), CAD/CAM, sterilization, IT and practice management software, leasehold improvements, plumbing and compressor/vacuum systems, and working capital for the ramp or transition period.
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