The calculator takes three inputs, the amount, the annual rate and the term in months, and returns a level monthly payment, the total interest and the total repaid. It does not include fees, interest-only periods or draws. The worked examples on this page compare two terms and test one payment against a month of clinic cash flow.
Dental office loan calculator in San Rafael, CA: what a practice owner compares
A dental practice owner can use the calculator for any fixed-payment loan: new operatory chairs, a cone-beam or panoramic imaging unit, an intraoral scanner, or a share of the practice bought from a retiring partner. Three numbers go in:
- Amount ($): the price on the quote or the purchase agreement, less any cash put in
- Rate (annual %): the annual rate from an offer, or a test figure to see the range
- Term (months): 60 months is five years, 84 is seven, 120 is ten
On the other side, the calculator gives the estimated monthly payment, the interest summed over the whole term and the total repaid. The calculator computes a level payment only. It does not add origination fees, insurance or a balloon payment, so compare those from the offer itself.
A dentist pricing a second chair works in a county where nearly half of the 177 offices of dentists had fewer than five employees in 2023 (85, or 48.0%; CBP, NAICS 6212).
Dental business loan calculator for San Rafael, CA: two terms side by side
Running the same amount at two terms is the clearest way to see what a longer term buys and what it costs.
| Input or result | 60 months | 120 months |
|---|---|---|
| Amount | $100,000 | $100,000 |
| Rate (annual %) | 10.5% | 10.5% |
| Term (months) | 60 | 120 |
| Monthly payment | $2,149.39 | $1,349.35 |
| Total interest | $28,963.40 | $61,922.00 |
| Total repaid | $128,963.40 | $161,922.00 |
In this invented case the 120-month term asks $800.04 less each month and costs $32,958.60 more in interest over its life. Entering the same three inputs in the calculator on this page gives the same monthly payment and totals.
Which term fits depends on how long the purchase earns its keep. Imaging equipment that will be replaced in seven years sits poorly on a ten-year term; a practice share that keeps earning can carry a longer one.
Dental practice loan calculator for San Rafael, CA therapy and chiropractic offices
The calculator does not care which kind of practice runs it. A therapy or chiropractic office can enter a loan for treatment tables and rehab equipment, or for buying into a clinic, the same way a dental office does.
Illustration only, invented figures: a San Rafael, CA physical therapy clinic prices $45,250 of treatment tables, rehab machines and a front-desk system. Financed over 48 months with the annual rate at 11%, it costs $1,169.51 each month; across the term the clinic pays $10,886.48 of interest and $56,136.48 in all.
Offices of other health practitioners, the code that includes chiropractors and physical therapists, counted 289 employer establishments in Marin County, CA in 2023 (CBP, NAICS 6213). Nonemployer Statistics, a separate count, show 1,596 such offices with no paid employees in the county in 2024. Medical practices run the same numbers: offices of physicians in the county numbered 282 in 2023 (CBP, NAICS 6211).
Dental practice cash flow calculator for San Rafael, CA therapy and chiropractic offices
The calculator answers one question: what is the monthly payment. Whether the clinic can carry it is a cash flow question, and that part is worked by hand.
Illustration only, invented figures: the same clinic collects $38,000 in a typical month. Payroll takes $17,500, rent $6,200, and supplies, insurance and software $7,400, which leaves $6,900. The $1,169.51 payment from the example above would take 16.9% of that, leaving $5,730.49 for the owner’s pay, repairs and a cash cushion.
A month where insurance payments arrive late changes the picture, so the test is worth running on the weakest month of the past year, not the average one. If the payment only fits in good months, a longer term, a smaller purchase or a larger cash share changes the result. Once a payment fits the weakest month, the practice funding request is the next step. Before that, the records a partner may want to see are listed on the tools and checklists page.
By Ravenview Advances · Updated