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    Capital Planning for Physicians

    Fund the launch with a plan, not a guess.

    Define the capital need from your location, build-out, equipment, operating runway, and conservative enrollment assumptions. When outside financing is appropriate, Freedom Healthworks can coordinate introductions to third-party lenders familiar with physician practices.

    Freedom's role

    We help connect the launch plan and financial model to a lender conversation. We do not make loans or control underwriting, terms, timing, or approval.
    Financing decisions remain between the physician and the third-party lender.

    Size the request

    Start with what the practice actually needs.

    Startup capital

    Lease deposits, build-out, technology, equipment, professional fees, and operating runway should be modeled together before a funding request is sized.

    Equipment

    Equipment may be financed separately when that structure fits the purchase and preserves working capital. Terms and collateral requirements come from the lender.

    Working capital

    A conservative enrollment scenario should determine the cash reserve needed while membership revenue develops.

    Freedom's three planning scenarios model $55,000-$180,000+ in physician-funded startup capital, depending on space, build-out, equipment, staffing, and runway. These are planning models, not an industry-average claim.

    Before accepting capital

    Keep the operating model and the debt obligation connected.

    01

    Model the need

    Build the request from the actual location, launch scope, equipment plan, household runway, and conservative enrollment assumptions.

    02

    Prepare the package

    Organize the business plan, projections, ownership information, and supporting documents requested by the lender.

    03

    Compare the obligations

    Review payment timing, collateral, guarantees, fees, and total borrowing cost with the appropriate financial and legal advisers before accepting an offer.

    Freedom Healthworks does not provide legal, tax, or financial advice. Use qualified advisers to evaluate a financing offer and its effect on your personal and practice obligations.

    Practice financing questions

    The planning assumptions, responsibilities, and lender boundaries to understand before applying.

    Clarify the capital plan before the application.

    We will review the practice model, launch scope, capital assumptions, and the decisions that should be settled before a lender conversation.