Prepared for lenders, CDCs, and federal agencies to SBA SOP 50 10 8, USDA RD Instruction 5001, and conventional underwriting standards. Fiduciary duty runs to the lender and the agency, never the borrower. More than 4,000 studies since 1998 covering $40.2 billion in evaluated project value.
Urgent care is retail medicine: visit volume is a function of trade-area population, drive-time convenience, payer acceptance, and competing access points — other urgent cares, retail clinics, emergency departments, and same-day primary-care capacity. The study sizes annual visits from population and documented use rates, nets the competitive set honestly, prices the visit through the payer mix the location will actually draw, and tests the staffing model — provider hours are the dominant cost — against the volume curve by daypart and season.
Visit modeling from per-capita urgent-care utilization benchmarks, competitive census including retail and telehealth alternatives, payer-yield analysis by contract status, seasonality from respiratory-season patterns, and breakeven stated in visits per day — the operating statistic every operator and underwriter shares.
Every Wert-Berater financial model is fully linked with no hardcoded values, so any reviewer can stress any input. Deliverables comprise a complete narrative report and the linked Excel model, with ten-year pro forma, sensitivity analysis at ±5, 10, and 15 percent, interest-rate stress from +0.5 to +3.0 percent, and ratio analysis benchmarked against RMA and IBISWorld data.
SBA engagements are prepared to SOP 50 10 8, including its debt-service-coverage minimums of 1.15x operating and 1.00x global. USDA engagements follow RD Staff Instruction 5001 across the Business & Industry, Community Facilities, REAP, and Value-Added Producer Grant programs. Conventional engagements are built to the lender's stated coverage standard, typically 1.20x. Owner-operator clinics fit SBA structures naturally; franchise affiliations are evaluated on system economics; multi-site operators route conventional with site-level reporting.
The engagement applies the firm's retail-site discipline — traffic, visibility, drive-time — to clinical volume economics. Independence is non-negotiable: determinations follow the evidence and are not revised under pressure, and studies are built to pass lender, agency, and third-party review without exception items.
Qualify a project. Tell us about the project and the program. We will tell you the truth about it — scope, timeline, and fee confirmed before work begins.
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