The pack your lender asks for, tied to the ledger
Quarterly covenant compliance and monthly sponsor reporting shouldn't be a rebuild. GeniusDental builds the schedules in the format your lender already accepts and pulls every number from the practice ledgers.
What goes in the pack
We build it with you in your lender's format. A typical dental group pack includes:
- Consolidated financial statementsP&L, balance sheet, and cash flow across the MSO and every practice, with intercompany management fees eliminated.
- EBITDA by location4-wall EBITDA per practice and group EBITDA after corporate overhead, by month and trailing twelve.
- Covenant schedulesLeverage and fixed charge coverage calculations built from the consolidated ledger, with your agreement's definitions.
- Adjustments scheduleAdd-backs and pro forma adjustments for acquired practices, kept separate and visible next to reported numbers.
- Budget vs actualGroup and per-location variance in dollars and percent against the budgets in your books.
- Same-store viewPractices owned in both periods, split from acquisitions, so growth isn't overstated.
Covenant definitions differ by credit agreement. We build the calculations to your agreement's definitions with your team; GeniusDental supplies the ledger data, it doesn't interpret your credit agreement.
Delivered the way lenders already read packs
Lenders and sponsors consume packs as workbooks, so that's how we deliver them. The schedules open in Excel or Google Sheets, and your team can still adjust one when a definition changes.
What changes is where the numbers come from. Instead of pasted exports, every cell reads the ledger directly, so the pack picks up changes as the books change.
Why it matters at quarter end
Restate one month in one practice file and the consolidated pack reflects it as soon as it syncs. No re-export, no re-paste, no hunting for which tab didn't update.
When the lender asks where a number came from, drill from the schedule to the ledger lines behind it.
Bring your current lender pack
Send us the pack you produce today. We'll show you which schedules can read the ledger directly and what it takes to get there.