Three facilities consolidated into one weekly repayment

The challenge

The clinic had added practitioners quickly and funded each expansion separately. Three facilities from three lenders had accumulated over eighteen months, each with its own rate, term and repayment day.

Together they were costing more than a single facility of the same size and taking real administrative time to manage. The practice manager was reconciling three debits a week.

Two of the three lenders would only discuss a partial payout, which would have left the position half-cleaned.

The solution

We took all three out in full and settled each lender direct. Partial refinances are not something we do, because leaving a facility behind rarely helps the business.

The replacement was a single $310,000 facility with one weekly repayment, priced below the blended cost of the three it replaced.

Why the deal worked

The clinic’s revenue was strong and predictable. The problem was structural rather than financial, and structural problems are fixable in a day.

Because we settled each lender direct, the client had no gap to manage and no risk of a missed repayment during the transition.

The outcome

One facility, one repayment, one point of contact. The practice manager got several hours a month back.

The clinic has since drawn a further facility for a fourth consulting room.