A Clinic Back on Track

Nº 010

Financing Breakdown

Risks

Without a fast solution, the bank would force the practices into insolvency, and personal guarantees would cost him his most prized personal assets.

Scenario

Turnaround

Industry |

Health Care

Key Challenges

Special loans

Multi-entity complexity

Misaligned comp structure

Loan Type

Term Loan & Line of Credit

Outcomes

Sanity Restored

By taking over financing, our client focused on what he loves: treating patients, not battling capital providers.

Operations Simplified

We added a business manager, reducing our client’s admin burden, and sold a weak location during the process.

Alignment Achieved

Revised compensation kept cash flow disciplined, enabling our client to secure support from another bank.

Lender Type

Private Credit

Bank

Result |

Stability Restored

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Overview

A Clinic Back on Track

Diamond Willow secured a $2.15 million term loan and operating line in Alberta.

A highly skilled healthcare professional was stuck in special loans across four practices, unsure how to navigate the bank’s process. Referred by a community advisor, he asked for clarity and a path out; we aligned compensation to cash flow, simplified the multi-entity structure, and set a bankable course.

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The Challenges

In special loans with a damaged relationship.
Four legal entities complicating structure and reporting.
Compensation plan misaligned with debt service timing.
COVID shut down operations in the middle of refinancing.

Risk Mitigants

Highly specialized medical professional with multiple practices.
Cash flow supported a refinance.
Highly recurring revenue stream.

The Outcome

With a new operations manager, an improved pay structure, and a new capital partner, our client could refocus on caring for patients and growing his practice with confidence.

$2.15M

facilities executed.

4 entities

coordinated across practices.

1 operations

manager hired.

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Restoring Stability. Rebuilding Flexibility.

Diamond Willow structured and facilitated a $12.5 million debt solution to repay incumbent operating lenders, stabilize liquidity, and reposition the Company for a long-term recovery.

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Imminent Bank Demand Avoided

Bank was days from enforcing when the company asked Diamond Willow to steady cash and keep jobs intact.

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Turnaround

Saving a Community Business

Diamond Willow refinanced with a $2.5 million revolving facility on a rushed timeline, avoiding enforcement and keeping jobs stable.