Our Process

Comprehensive hospital and municipal analyses drive our market and operational assessments, debt capacity studies and financial forecasts to: generate reliable operating and capital budgets; prescribe gap financing strategies; develop right-sized facility projects and loan amounts; as well as execute synergistic affiliations. Rural Hospital Mortgage produces long-term solutions with lasting results for our clients.

 

Discovery

Through conversations during our initial meeting, we develop a report detailing the current state of your hospital and the expected challenges going forward. This reviews your financial, operational, legal, demographic and economic data, as well as facility needs. Additionally, the report incorporates analytics into our assessment of your hospital versus its peers, market and industry standards. When completed, it is presented to the hospital management, board and community leaders. At that time, actionable recommendations are provided.

  • Operational Assessment and Market Study
  • Community and Physician Needs Analysis
  • Hospital Financial Evaluation and Debt Capacity
    • Municipal Review
    • Debt Structure Review

Collaboration

Upon completion of our Discovery Stage, interviews and consultations are held with key hospital stakeholders, including, management, board, physicians and local government representatives, to establish working parameters and realizable goals.

  • Market Strategy
  • Financial Forecast
  • Service Line Review
    • Physician Enhancement
    • Debt Capacity Sensitivity Analysis

Development

Strategic initiatives are designed to enhance your hospital’s operating and financial performance to achieve its full potential. Your Long-Term Capital Transaction is developed following a multi-disciplinary approach, which can include debt financing, project development, revenue enhancement, tax support, affiliations and mergers.

  • Project Development
  • Loan Underwriting (FHA 242, USDA, Municipal Bonds and Bank Debt)
  • Revenue Enhancement
  • Local Government Partnerships
    • Debt Refinancing or Restructuring
    • Tax Initiatives
    • Affiliation or Merger Structuring

Implementation

Our goal is to execute the Long-Term Capital Transaction on time and within budget. By adhering to a carefully sequenced but flexible process, favorable terms and rates can be realized.

  • Project Completion
  • Loan Closing
  • Affiliations and Mergers
  • Tax Referendums
  • Debt Refinancings
    • Physician Engagements
    • Interest Rate Savings

Ongoing Advisory

After we have completed your Long-Term Capital Transaction, we serve as your advisor to promote your franchise. We provide annual financial reviews to remain current with your hospital’s operations and needs.

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