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It’s been rough for the dental industry the past two years, because the economic downturn has caused a reduction in both collections and net income for a lot of dental practices. They have likewise been adversely effected as a result of level of financial debt amassed by their businesses, together with the overwhelming sum of student education loans which amassed from dental school. The dilemma is amplified whenever there are a lot monthly payments, specifically on equipment leases and dental practice loans with rapid maturities.. It’s more painful when the financial obligations involved are linked to high loan rates.

A good case in point is the operator of a dentistry practice who has been in a extremely tough state of affairs considering he had a multitude of monthly obligations that hurt his cash flow. Below is a summary of his obligations, interest rates linked to each loan, payment per month, and present balance.:

Practice purchase loan with a balance of $224,330 payments of $4,959 per month at 8.5% interest
Equipment loan with a balance of $94,420, payments of $3,993 per month at 9.3% interest
Equipment loan with a balance of $62,140, payments of $2,837 per month and 8.4% interest
Remodeling loan with a balance of $82,730, payments of $2,028 per month and 8.0% interest
To summarize, his debt totals $463,620 which is serviced with $13,817 in monthly payments.

This was indeed a good example of how debt consolidation reduction is a valuable part of dental practice financing which could help the dental professional experience a higher level of cash flow. After evaluating his existing loan documents, it was concluded that he would not incur any pre-payment penalty. The basis for the debt consolidation loan is the value of the practice and the refinancing program grants upwards of 75% of that market value.

While a formal appraisal is quite often called for, a rudimentary value is determined by the prior year’s collections. In this case, the practice experienced revenues of $720,000 in 2010. Because this dental practitioner enjoyed an outstanding overall credit score and had profitably operated the practice for numerous years, he was qualified to be regarded for the largest amount of the financial loan ($720,000 X 75% equals $540,000). The dental practice owner chose a loan of $500,000, and this allowed him to settle all of his various practice notes and pay back the large credit card bills he had built up. The doctor had the option of obtaining a fixed rate bank loan of 7.75% or a variable interest rate of 5.25%. He chose the fixed rate loan, as he wished for the security of knowing precisely what his monthly payment would be for the ten year period of the bank loan.

THE RESULT
By merging his debts into one large note, the dentist was able to save a large amount of money in monthly payments and sustain an acceptable equity standing in the practice. Rather than disbursing $13,817 month after month, his payment was $6,001. Moreover, he is free of credit card debt and is able to sleep much better at night.

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Texoma Striper Fishing Guide – Texoma Striper Fishing
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