But refinancing is neither good nor bad, it’s a tool. Used thoughtfully, it can stabilize a growing business under pressure. Used carelessly, it can quietly magnify risk and delay problems until they’re harder and more expensive to fix.

When cash flow starts to pinch, most practice owners look outward—new marketing campaigns, new devices, even expansion plans. But the fastest way to boost cash flow isn’t out there. It’s inside your existing patient flow. The key is your Average Patient Charge (APC)—the amount you actually collect per visit.