For optometrists in the US & Canada opening or buying a clinic

Walk into the bank with numbers they can't poke holes in.

The Clinic Pro Forma is a plug-and-play 5-year forecast built by an optometrist who has opened, bought and sold clinics. Answer about 20 plain-English questions. It builds the lender summary, cash flow, break-even and stress test for you.

Get the Pro Forma: $199 Try the free snapshot

Founding price $199 USD ~~$299~~ until December 31, 2026 · Excel & Google Sheets · US & Canada · Instant download

One-Page Summary of the Clinic Pro Forma: key numbers and charts for an example clinic

One-Page Summary · builds itself from your numbers

The problem

Most first-time owners hand the bank a guess.

A loan officer reads your assumptions before your totals. These are the three things that get a projection sent back:

Made-up growth

"30% a year" with nothing behind it. Every number in the Pro Forma sits next to a published benchmark and a box to explain it.

The owner works for free

Profit looks great until the lender subtracts a doctor's wage. The Pro Forma pays you first, then tests the loan.

No plan for a bad year

What if revenue drops 10% and rates rise 1%? The built-in stress test answers that before your lender asks.

Free · 60 seconds

Could this clinic carry the loan?

Get a quick snapshot of one normal year. Lenders will want the full picture, but this tells you if the idea is even close.

Runs in your browser. Nothing you type is sent to us or saved.

Debt coverage (profit ÷ loan payments)

–

Loan you'd need–

Loan payment–

Yearly revenue–

Profit after your doctor pay (EBITDA)–

Break-even exams–

Fill in the numbers to see your snapshot.

A rough estimate from published optometry cost ratios (cost of goods ~30%, staff ~22.5%, occupancy ~6%). It shows one "normal" year. It can't show the ramp-up, cash low point, taxes or a stress test. The Pro Forma does.

Your lender will want Years 1–5, a 60-month cash flow, your lowest cash point and a stress test. That's the Pro Forma.

Get the full Pro Forma: $199

What's inside

Answer the questions. It does the rest.

Quick Start asks about 20 plain-English questions and fills in everything else from typical numbers for a clinic like yours. Every assumption stays editable, and the whole model updates as you go, from the monthly cash flow to the page you hand your lender.

Quick Start tab: plain-English questions on the left, results and a verdict on the right — **Quick Start, in plain English.** Questions on the left. Your key numbers and a plain-English verdict on the right, updating as you type.

Break-even and stress test tab — **Break-even & stress test.** Exams you need each month, your cash low point, and debt coverage if revenue falls or rates rise.

60-month cash flow tab — **60 months of cash flow.** Lenders want Years 1–2 month by month. It's done for you.

Quick Start. About 20 plain-English questions. No business background needed.
Get Your Numbers. Who to ask for each real figure, plus copy-and-paste emails to landlords, equipment reps and banks.
One-Page Summary. Key numbers and four charts on one page, ready for your lender, partner or landlord.
Lender Summary. The table version: the request, sources & uses, 5-year summary, debt coverage.
Cold start or acquisition. One switch. Build-out and ramp-up, or purchase price, goodwill and seller note.
60-month cash flow. When money actually moves, including insurance payment delays.
Loan schedules. Interest-only months, then full payments, for the bank loan and a seller note.
5-year P&L with tax estimate. Including losses carried forward from the early years.
Benchmark check. Your cost of goods, staff, rent and profit against published optometry ranges.
Inflation built in. Separate yearly increases for insurance-set fees, product prices, wages, rent and costs.
US & Canadian lender targets. Check against SBA 7(a) rules (1.25x coverage, 10% equity) or your Canadian bank's terms.
A finished example. A complete cold-start file, so you can see what "done" looks like.
New in v2.1: the lender’s last-year test. Since October 2026, SBA lenders judge a purchase on the seller’s real numbers. The Pro Forma now tests that too, alongside your projections.

	Free template	Hiring someone	Clinic Pro Forma
Built for optometry (optical capture, exams, insurance fees)	—	Sometimes	✓
Benchmarks and sources beside every input	—	—	✓
One-page lender summary	—	✓	✓
Stress test (revenue down, rates up)	—	Sometimes	✓
Cold start and acquisition in one file	—	Extra cost	✓
Rerun it yourself whenever the plan changes	✓	Billed again	✓
Price	Free	Billed by the hour	$199 once

Founding price · ends December 31, 2026

One price. Rerun it as often as you need.

You're about to borrow hundreds of thousands of dollars. Go in with a plan you understand line by line, and that you can rerun every time the landlord, the seller or the bank changes a number.

Founding price · ends Dec 31

$199 USD, one time

$299 from January 1, 2027

The Clinic Pro Forma (Excel, opens in Google Sheets)
Cold start and acquisition in one file
Lender summary, 60-month cash flow, stress test
Benchmarks and lender targets for the US and Canada
A finished example to copy from

Get the Pro Forma: $199

Buying a practice? Get it with the Valuation Tool for $349

Secure checkout by Stripe · Instant download · Price in USD, sales tax added at checkout where required · For one practice owner's use · All sales final, see terms

Questions

Before you buy

Will this get my loan approved?

No spreadsheet can promise that, and you should be wary of anyone who says otherwise. Your lender makes its own decision. What the Pro Forma does is put your plan in the format lenders ask for, with the coverage ratios, break-even and stress test they check, so you walk in prepared instead of guessing.

Does it work in the US and Canada?

Yes, both. You enter amounts in your own dollars and set your own tax rate. The guide cites US rules (SBA 7(a): 1.25x debt coverage and 10% equity for purchases) and Canadian bank programs that finance up to 100%, so you can set the targets your lender actually uses.

Does it work for buying a practice, or only opening one?

Both. One question on the Quick Start tab flips it between a cold start (build-out, equipment, ramp-up month by month) and an acquisition (purchase price, goodwill, seller note, patient retention). For a purchase it also runs the test SBA lenders now use: last year's real cash flow must cover the loan payments 1.25 times. Not sure what to pay? The Pro Forma + Valuation bundle adds the Clinic Valuation Tool.

I'm not a numbers person. Can I use it?

That's who it's built for. The Quick Start tab asks about 20 plain-English questions, like how big the clinic is, where it is and how much cash you have, and fills in everything else from typical numbers for a clinic like yours. A plain-English verdict and your key numbers update as you type. You can have a first draft in about 15 minutes, then the Get Your Numbers tab tells you who to ask for each real figure, with emails you can copy.

Do I need Excel?

Excel is best, and it also opens in Google Sheets and Apple Numbers. All formulas stay live, so your accountant can follow every number.

What's in the example?

A fictional 2-lane cold start, filled in end to end, so you can see what a finished, lender-ready file looks like before you replace it with your own numbers.

How do I get the file, and what currency is it?

Checkout is secure through Stripe, priced in US dollars. Canadian cards work fine; your bank converts it. The moment payment goes through, you land on your download page. Save the file and bookmark the page. Your receipt shows the purchase as sold through Link, Stripe's checkout. If anything goes wrong, email hello@thegenuwineod.com and I'll send it to you.

Will the price go up?

Yes. The founding price of $199 USD ends December 31, 2026 at 11:59 pm Pacific. From January 1, 2027 the Pro Forma is $299 USD.

Can I get a refund?

No. It's an instant digital download, so all sales are final. Use the free snapshot calculator and the screenshots on this page to see exactly what you're getting before you buy. If the file won't open or something in it is broken, email hello@thegenuwineod.com and I'll fix it.

Is it financial advice?

No. It's a planning tool for education, built by an optometrist and practice owner. Have your accountant review your numbers before you submit them.

Walk into the bank with numbers they can't poke holes in.

Most first-time owners hand the bank a guess.

Made-up growth

The owner works for free

No plan for a bad year

Could this clinic carry the loan?

Your numbers

Answer the questions. It does the rest.

From blank to lender-ready in an afternoon.

Answer the Quick Start questions

Swap in real quotes

Send the Lender Summary

Built for eye care, not adapted from a template.

An optometrist who has signed the lease, met the banker and made payroll.

Know what to pay before you plan the loan.

One price. Rerun it as often as you need.

Not ready to buy yet?

Before you buy

Your lender will ask for this anyway.