Free clinic calculators › Loan Payment & Payback Calculator
Buying or opening a clinic? See the real monthly payment, what the interest costs you, and whether the clinic's profit can actually carry the loan.
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Monthly payment
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| Year | Principal | Interest | Balance left |
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The payment uses the standard loan formula: Loan × r ÷ (1 − (1 + r)−n), where r is the monthly rate and n is the number of monthly payments.
Debt coverage is yearly profit ÷ yearly loan payments. Below 1.0×, the clinic can't pay the loan from its own profit. Many lenders look for about 1.25× or more.
The example numbers match the cheat sheet: a $600,000 loan at 7% over 10 years costs about $83,600 a year. A clinic with $90,000 of real profit covers that only 1.08 times.
Educational estimates only. Not financial, lending, tax or legal advice. Numbers vary by location, clinic type and situation, and most published benchmarks are US. Check any decision with your accountant and lender.
Next step
The Clinic Pro Forma is a plug-and-play model built for eye doctors: 5-year projections, break-even, loan payments and debt coverage, in a lender-ready format. Join the waitlist for first access.