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SummitOS™
Practice Planning Tool

Fund the opening and the months that follow

Practice Startup Capital

Estimate the cash your practice needs before opening, while collections ramp, and when the unexpected happens.

✓One-time costs required before opening
✓Cash burn before collections support operations
✓Business and personal reserves plus the remaining gap

What must be paid before the practice is ready?

Enter broad opening-cost estimates. Include costs paid before the first patient is seen—even when they will eventually be financed or reimbursed.

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Do not use the loan amount as the cost estimate. First determine what the practice actually requires. Funding sources are entered later so an unfunded cost cannot disappear from the plan.

What will the practice spend every month?

Estimate a fully staffed operating month. Payroll taxes, benefits, insurance, technology, merchant and banking charges, and recurring logistics are easily overlooked.

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Protect the physician's household separately

Not business capital
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Cash set aside for the household—not pledged to construction, payroll, or a lender.

How quickly will cash begin supporting the practice?

Patient volume, payer enrollment, claim submission, denials, and payment timing all affect when revenue actually reaches the bank—not merely when care is delivered.

Collection ramp

Editable assumptions
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Committed or realistically available funding

Keep sources separate
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Available is not the same as approved. Do not count a loan, landlord allowance, investor contribution, or equipment facility until its amount, eligible uses, timing, and conditions are understood. Many costs must be paid before reimbursement.

Review the assumptions

Confirm the broad inputs, then build the capital plan. The result is a readiness range—not a substitute for a detailed practice pro forma or lender underwriting.

Your startup capital plan

The result reflects the assumptions entered above.

Business capital target$0Opening costs, ramp losses, contingency, and operating reserve
Business funding gap$0
Months to modeled operating break-even0First month collections cover entered monthly practice costs
Personal reserve gap$0
Capital componentModeled needAvailable fundingRemaining gap
Important: This educational planning tool provides estimates based solely on user-entered assumptions and a simplified collection ramp. It is not a budget, business plan, pro forma, valuation, financing commitment, loan application, or legal, tax, accounting, investment, insurance, employment, clinical, or lending advice. Actual startup costs, payroll burden, reimbursement, collection timing, financing eligibility, available proceeds, reserves, and operating results vary materially. Some funding sources may be restricted to specific eligible uses or paid only after costs are incurred. Verify all assumptions with qualified legal, tax, accounting, insurance, construction, lending, and healthcare-practice advisors before acting. Do not enter protected health information or other confidential information.
Planning reference: U.S. Small Business Administration — Calculate Your Startup Costs