Welcome to M+ Calc
M+ Calc models Maxfield Medical DPC's financials at any panel size — compensation, overhead, owner distributions, and financing all update live as you explore.
Event 1 (E1) — $187,446 SBA loan to open Maxfield Medical DPC: pre-open overhead, draw support, and legal fees.
Event 2 (E2) — $300,000 buildout of a dedicated clinical space, triggered at 600 patients. The buttons below control how much of E2 you borrow vs. save from operations.
Select a financing mode — all numbers update instantly.
Gross revenue vs. costs at the current panel size. Net income is what remains after all roles and overhead are paid.
Key patient thresholds where something changes — a role advances, a cost triggers, or a bonus is earned. Status updates live with the slider. Entries marked live are calculated dynamically from your growth and churn settings — they shift as you adjust those assumptions.
Monthly breakdown of every fixed operating cost. Items marked auto activate automatically at certain patient thresholds.
APPs are paid on a full-panel flat rate — when a threshold is crossed, the new rate applies to the APP's entire panel retroactively. APP #2 is hired automatically when APP #1 reaches 650 patients.
The Medical Director is compensated on a variable pppm rate during ramp, converting to a flat salary once the practice reaches scale.
Commission + Draw — $20 pppm at default $140 blended avg price (scales proportionally with actual avg). Draw fills gap to $5,000/mo ceiling, reaches $0 at ~250 patients. Draw period: 18 months total (6 pre-open + 12 post-enrollment).
The draw covers the gap between commission earned and the $5,000/mo ceiling. Repayment begins from patient one — every dollar of commission earned directly reduces the draw paid that month. Once commission reaches $5,000/mo naturally (~250 patients at $20 pppm), the draw ceases entirely and the S&MPM is self-sustaining. The draw also ceases 12 months after the first patient is enrolled — whichever comes first (patient count or time limit). Cash repayment of any accumulated balance then phases in: $500/mo at 400 patients · $750/mo at 450 · $1,000/mo at 500. 50% of the remaining balance is forgiven at 600 patients (Director designation) and the full balance is forgiven at 1,000 patients. Use the tracker below to estimate the outstanding draw balance at any point in the ramp.
The model tracks patient churn and lifetime value to determine when the practice's cumulative retained capital hits the buildout goal — at that point the auto-cap lifts and full distributions flow to owners. Adjust churn above in Settings to see how it shifts these numbers.
What remains after all costs, and how much flows to owners. While the buildout reserve is being accumulated, a portion of net income is held back — distributions increase significantly once the retention goal is reached.
Monthly and annual take-home for each owner based on their equity percentage. Distributions only flow when net income exceeds the retention cap.
Pre-tax estimates. Consult your accountant before making distribution decisions.
Distributions above reflect ownership of Maxfield Medical DPC (MMDPC), the practice modeled by this calculator. MMDPC is owned by the entity "The MMG," which has the same ownership split shown above: Morgan Garrett 51% · Tyler & Anna Gillespie 26% · Lisa Pietrangelo 21% · Jack Groh 2%.
Maxfield Medical Urgent Care (MMUC) is a separate business with different ownership unchanged from inception: Morgan 41% · Lisa 41% · Tyler & Anna 16% · Jack 2%. MMUC's financials and distributions are not represented in this calculator.
Combined view of every dollar leaving the practice — to staff, to roles, and to owners.
| Person / Role | Type | Monthly | Annual |
|---|
| Pre-open draw (6 months) | $30,000 |
| Post-open draw (months 1–20) | $28,800 |
| Overhead — pre-open (6 mo) | ~$38,646 |
| Overhead gap — early post-open | ~$40,000 |
| Legal fees — Tim Frye (one-time) | $50,000 |
| Exam room conversion — current office | $8,000 |
| Event 1 subtotal | $195,446 |
| Physical buildout cost | $300,000 |
| Owner capital contribution | −$200,000 |
| SBA 7(a) · 10yr · 9.5% | $1,294/mo |
| Event 2 SBA loan | $100,000 |
| Total loan amount | $287,446 |
| Loan type | SBA 7(a) |
| Fixed interest rate | 9.5% |
| Term | 10 years (120 months) |
| Total interest paid | $269,446 |
| Total repaid over life of loan | $756,892 |
| Monthly loan payment (fixed cost) | $3,720/mo |
| Est. 10-yr distributions — 51% owner | — |
| Est. 10-yr distributions — 26% owner | — |
| Est. 10-yr distributions — 21% owner | — |
| Based on current price/mix, 20 pts/mo growth, 20% churn |