Customized financial & operational reports & analyses

Customized financial & operational reports & analyses

Publications, toolkits, news, & case studies

Publications, toolkits, news, & case studies

Presentations, collaboratives, & personalized programs

Presentations, collaboratives, & personalized programs

One-on-one assistance from Capital Link experts

One-on-one assistance from Capital Link experts


Strengthening Health Centers to Support Healthier Communities

Capital Link is a national, non-profit organization that has worked with hundreds of community health centers and Primary Care Associations (PCAs) for 25 years to plan for sustainability and growth, access capital, improve and optimize operations and financial management, and articulate value. Established through the health center movement, Capital Link is dedicated to strengthening health centers—financially and operationally—in a rapidly changing marketplace. Learn More >

 

Capital Link Launches Third Year of Two Learning Collaboratives

Capital Expansion for Health and Housing Partnerships — APPLY NOW

Serves as a forum for health centers interested in expanding their health services in collaboration with housing facilities. Learn More >

Capital Projects: Planning, Financing, Completing — APPLY NOW

Designed to assist health centers that anticipate the need for a capital project during the next one to five years, this collaborative will provide practical direction and tools for planning, financing, and completing a capital project. Introductory webinar is scheduled for January 14th. Learn More >

 

Capital Link's Lending Affiliate Receives $650K Award to Support Health Centers

November 19, 2019 - The CDFI Fund announced the awardees of the FY 2019 CDFI Program round, which includes Capital Link's lending affiliate, Capital Fund. Learn More >

 

Capital Link's 25th Anniversary

This year, we are celebrating the 25th anniversary of our founding. While we continue to support the community health center movement through a range of technical assistance and lending programs nationally, much has changed since 1994. Learn More >

 

25th anniversary logo FOR OUTLOOK

Debt capacity is the amount of debt a health center can afford to take on, given its historical or projected financial position. Utilizing the calculator below, you will get a preliminary estimate of debt capacity and better understand the "gap" that may need to be funded through equity contributions and/or a capital campaign in order to complete a capital project.

Instructions: Input your most recent and/or anticipated audited financial information into the yellow cells below and click "Calculate".

Please note that both Interest Expense (current interest payments on long-term debt) and Rent Rebate/Savings (current rent/leasing payments that could be applied to a new facility’s cost) are significant variables in a debt capacity calculation. Contact us to learn about having a more comprehensive debt capacity sensitivity analysis prepared.

 

Debt Capacity Sensitivity Analysis
 Year 1Year 2Year 3Year 4
Change in Net Assets
Add: Total Depreciation
Add: Interest Expense
Funds Available for Debt Service
Add Rent Rebate/Savings
Total Funds Available for Debt Service
Debt Service Coverage discount (1.25)
 
Interest Rate
Term (years)
Debt Capacity
 
Interest Rate
Term (years)
Debt Capacity
 
Interest Rate
Term (years)
Debt Capacity
 
 

 

This estimate, which includes your health center's existing debt, is based on your historical financial performance, and as such, provides a starting place to consider your possible future debt capacity. To the extent you expect your operations to change as a result of your capital project, you should also prepare multi-year detailed financial projections for your health center, and then run the same calculation to determine the feasible level of debt your projected operations can carry. Capital Link can help you prepare these projections and assist you in determining an optimal financing mix for your project. To learn more about these services, contact us.

Sign up to receive our newsletter and email updates.

Sign Up