09/09/2026
Debt becomes dangerous when it starts making decisions for the practice.
When too much cash is already committed to monthly obligations, one slower collections cycle can suddenly affect payroll, hiring, or growth plans.
That’s why debt should never be reviewed in isolation.
Look at what you owe, what your normal cash flow can actually support, and what happens when the month doesn’t go exactly as planned.
The goal isn’t necessarily to avoid debt.
It’s to make sure your practice controls the debt, not the other way around.