DenQAI decision lab

Pre-sale performance and buyer-repeatable cash

Bridge reported collections through five dollar adjustments, first-year timing, recurring operating cash, debt service, and a downside affordability ceiling.

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The governing test

The governing testWhich source or constraint could change this result?

Clear the non-negotiable gates.
Normalize capacity, cash, and clinical transfer.
Price workforce and payer friction as operating facts.

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Fictional example

Results use the entered assumptions. Evidence and safety checks still require review.

Model v3.2.0

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No input edits yet. Unchanged example values remain fictional assumptions. No changes since the last download or opening state.

Assumptions, evidence still needed, and local saving

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Planning case — assumptions and evidence require review. Includes fictional example assumptions. Formula v3.2.0.

Blank means unknown. Enter 0 only for a known zero or an item that does not apply and has no cost or use. Example values and modeled estimates are assumptions until supported by your records.

Calculator 03

Pre-sale performance and affordability bridge

Separate steady-state transferability from first-year cash timing and closing obligations. A strong cash month does not prove that its revenue source will repeat after closing.

Reconcile five dollar adjustments

Reported trailing collections$Seller-only or nonrecurring activity$Buyer clinical-model exclusions$Patient and referral loss$Buyer payer and fee effect (+/−)$Collection loss$

Separate first-year timing and closing obligations

Prior-service receipts transferred$Current-service receipts deferred$Prepaid unfinished-care obligation$

Convert cash flow to a ceiling

Normalized operating cost$Market clinical compensation for all providers$Replacement management cost$Maintenance capex reserve$Minimum annual buffer$Required DSCRInterest rate%Loan amortizationyearsTransaction costs$Immediate capex$Required working capital$

Net steady-state adjustments$355,000

Buyer-repeatable collections$1,125,000Five non-overlapping dollar adjustments

Illustrative first-year receipts$1,138,000Prior-service receipts and current-service deferral shown separately

Buyer-repeatable operating cash$170,000After operating cost, clinical compensation, replacement management, and recurring capital reserve

Cash available for debt$115,000

Maximum annual debt service$85,1851.4× DSCR

Supported loan principal$585,091Monthly amortization convention

Illustrative price ceiling$325,091After transaction cost, immediate capital, working capital, and prepaid-care obligation

Value and affordable price are different questions.

This ceiling is not a valuation. It is the maximum price the modeled downside cash flow can support under the entered financing terms. A dental CPA and lender must rebuild it from source records.

Records to gather: User-entered records, source dates, verification states, actual contract and schedule data, provider activity, procedure history, staffing, and cash timing.

Decision, method, limitations, and required review

Use this if: You need to test an assumption before spending money, signing a contract, or treating a composite score as an answer.

Decision: Identify the viable path, the downside case, the assumption that breaks it, and the next diligence request.

Output: A transparent calculation with exposed formulas, limitations, stop-and-verify conditions, and a printable decision record.

Method: Use ranges and scenario stress; keep illustrative defaults separate from user data; never let a composite score override a non-negotiable gate.

Stop and verify: Do not treat results as an appraisal, diagnosis, legal conclusion, coding source, lender approval, or substitute for primary records.

Human review: Buyer, dental CPA, lender, counsel, clinical reviewer, benefits specialist, and operator according to the calculator.

Last reviewed: July 24, 2026

Next action

Use the result to request the missing evidence.

Reconcile each dollar adjustment to its source and check for overlap before using repeatable cash in a price or debt discussion.

Build the acquisition bridge

Record the source, period, responsible reviewer, and assumption that would change your decision in the case review note.