Services
What we do for you
We manage the financing process end to end, so you can focus on running your practice. Our work spans three core areas — backed by 30 years of experience and more than $2.5 billion in transactions.
Financing & bank negotiation
- Structure acquisition financing
- Present your deal to multiple lenders
- Negotiate leverage, amortization, and pricing
- Compare bank, credit union, and specialty lenders
- Manage the approval process from start to finish
Financial review & deal analysis
- Review seller financial statements
- Prepare normalized earnings
- Build cash flow & debt-service projections
- Assess affordability and risk
- Identify opportunities to improve financing
Purchase & negotiation support
- Assist with purchase price discussions
- Evaluate deal structure
- Coordinate due diligence
- Review lease implications
- Work alongside lawyers, accountants, landlords, agents, and banner representatives
- Benchmark your purchase price against our database of recent comparable transactions
- Support you through closing
How it works
Our process
A structured path from first conversation to funding — and well beyond.
Opportunity review
We assess the practice or pharmacy, its financials, operating and patient reports, premises lease, banner or franchise agreements, staffing, growth opportunities, risks, and your borrowing capacity.
Financial packaging
We prepare normalized statements, projections, and lender materials, ensuring the request meets each lender's pre-established criteria.
Lender strategy
We approach multiple banks and structure the optimal financing, drawing on our deep network of banking professionals across Canada.
Negotiation
We negotiate terms to improve leverage, flexibility, and pricing — and benchmark your purchase against our database of recent deals to ensure a fair price.
Approval & closing
We manage conditions and guide you through funding, coordinating with the lender, lawyer, accountant, landlord, and any banner or franchise representatives.
Post-close
We stay involved through annual reviews and renewals, review statements to ensure covenants are met, and support renovation financing, growth strategy, and future acquisitions.
What we finance
From first purchase to future growth
We work with pharmacists, dentists, veterinarians, and medical professionals across a full range of transactions — and support select non-healthcare businesses.