{"product_id":"direct-primary-care-startup-costs","title":"Direct Primary Care Startup Costs: $552K Cash Need To Month 6","description":"\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"line_top\"\u003e\u003c\/div\u003e\n\u003cp\u003eYou’re planning a membership-based primary care practice before recurring patient revenue fully covers payroll, rent, insurance, and launch marketing This startup cost outline covers \u003cstrong\u003e$250K in CAPEX\u003c\/strong\u003e, pre-opening expenses, staffing readiness, technology setup, supplies, insurance, and the \u003cstrong\u003e$552K minimum cash need\u003c\/strong\u003e shown in Month 6 These are researched planning assumptions, not vendor quotes or guaranteed budgets\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\" id=\"main_article_image\"\u003e\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\n\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eEstimate Startup Costs with Calculator\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-capex-calculator\" aria-label=\"Direct Primary Care Practice Startup CAPEX Calculator\" data-locale=\"en-US\" data-currency=\"USD\" data-default-scenario=\"base\" data-export-filename=\"Startup CAPEX calculator.xlsx\" data-source-site-name=\"Financial Models Lab\" data-source-site-url=\"https:\/\/financialmodelslab.com\" data-source-page-title=\"Direct Primary Care Practice Startup CAPEX Calculator\" data-note-title=\"What this excludes\" data-note-text=\"This calculator covers capitalized startup assets only. It excludes working capital, payroll runway, inventory, deposits, debt service, marketing spend, licensing fees, and other non-capital pre-opening costs.\"\u003e\u003cdiv class=\"fml-capex-card\"\u003e\n\u003cheader class=\"fml-capex-header\"\u003e\u003cdiv class=\"fml-capex-heading\"\u003e\n\u003cp class=\"fml-capex-eyebrow\"\u003eStartup CAPEX Calculator\u003c\/p\u003e\n\u003cp class=\"fml-capex-intro\"\u003eEstimates capitalized startup assets only for a direct primary care practice.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-scenarios\" aria-label=\"Scenario presets\"\u003e\n\u003cbutton class=\"fml-capex-scenario\" type=\"button\" data-scenario=\"lean\"\u003eLean\u003c\/button\u003e\u003cbutton class=\"fml-capex-scenario is-active\" type=\"button\" data-scenario=\"base\"\u003eBase\u003c\/button\u003e\u003cbutton class=\"fml-capex-scenario\" type=\"button\" data-scenario=\"full\"\u003eFull\u003c\/button\u003e\n\u003c\/div\u003e\u003c\/header\u003e\u003cdiv class=\"fml-capex-layout\"\u003e\n\u003cform class=\"fml-capex-inputs\"\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eClinic Buildout and Furniture\u003c\/span\u003e\u003csmall\u003eExam room fit-out, furniture, and office setup\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-capex-field=\"clinic_buildout_furniture\" data-capex-kind=\"money\" data-capex-label=\"Clinic Buildout and Furniture\" data-capex-note=\"Exam room fit-out, furniture, and office setup\" data-lean=\"25000\" data-base=\"28000\" data-full=\"32000\" name=\"clinic_buildout_furniture\" type=\"text\" inputmode=\"numeric\" value=\"28,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eMedical Equipment and Diagnostic Tools\u003c\/span\u003e\u003csmall\u003eDepreciable medical gear used in patient care\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-capex-field=\"medical_equipment_tools\" data-capex-kind=\"money\" data-capex-label=\"Medical Equipment and Diagnostic Tools\" data-capex-note=\"Depreciable medical gear used in patient care\" data-lean=\"50000\" data-base=\"55000\" data-full=\"62000\" name=\"medical_equipment_tools\" type=\"text\" inputmode=\"numeric\" value=\"55,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eEHR, Telehealth, and Membership Software\u003c\/span\u003e\u003csmall\u003eEHR implementation, telehealth setup, and patient management software\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-capex-field=\"ehr_telehealth_membership_software\" data-capex-kind=\"money\" data-capex-label=\"EHR, Telehealth, and Membership Software\" data-capex-note=\"EHR implementation, telehealth setup, and patient management software\" data-lean=\"96000\" data-base=\"112000\" data-full=\"127000\" name=\"ehr_telehealth_membership_software\" type=\"text\" inputmode=\"numeric\" value=\"112,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eWebsite, Enrollment, and Network Setup\u003c\/span\u003e\u003csmall\u003eWebsite development, online enrollment, and security infrastructure\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-capex-field=\"website_enrollment_network_setup\" data-capex-kind=\"money\" data-capex-label=\"Website, Enrollment, and Network Setup\" data-capex-note=\"Website development, online enrollment, and security infrastructure\" data-lean=\"38000\" data-base=\"43000\" data-full=\"50000\" name=\"website_enrollment_network_setup\" type=\"text\" inputmode=\"numeric\" value=\"43,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eSignage and Brand Materials\u003c\/span\u003e\u003csmall\u003eExterior and interior signage for launch\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-capex-field=\"signage_brand_materials\" data-capex-kind=\"money\" data-capex-label=\"Signage and Brand Materials\" data-capex-note=\"Exterior and interior signage for launch\" data-lean=\"10000\" data-base=\"12000\" data-full=\"14000\" name=\"signage_brand_materials\" type=\"text\" inputmode=\"numeric\" value=\"12,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eContingency Reserve\u003c\/span\u003e\u003csmall\u003eCovers small overruns, scope changes, and install delays\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-percent\"\u003e\n\u003cinput data-capex-field=\"contingency\" data-capex-kind=\"percent\" name=\"contingency\" type=\"range\" min=\"5\" max=\"15\" step=\"1\" data-lean=\"5\" data-base=\"10\" data-full=\"15\" value=\"10\"\u003e\u003coutput data-capex-output=\"contingencyValue\"\u003e10%\u003c\/output\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/form\u003e\n\u003caside class=\"fml-capex-results\" aria-live=\"polite\"\u003e\u003cspan class=\"fml-capex-tag\"\u003eStartup CAPEX\u003c\/span\u003e\u003cdiv class=\"fml-capex-total\"\u003e\n\u003cspan\u003eTotal startup CAPEX\u003c\/span\u003e\u003cstrong data-capex-output=\"totalCapex\"\u003e$275,000\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdl class=\"fml-capex-result-list\"\u003e\n\u003cdiv\u003e\n\u003cdt\u003eSubtotal before contingency\u003c\/dt\u003e\n\u003cdd data-capex-output=\"subtotal\"\u003e$250,000\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdt\u003eContingency amount\u003c\/dt\u003e\n\u003cdd data-capex-output=\"contingencyAmount\"\u003e$25,000\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdt\u003eLargest cost driver\u003c\/dt\u003e\n\u003cdd data-capex-output=\"largestDriver\"\u003eEHR, Telehealth, and Membership Software\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003c\/dl\u003e\n\u003cdiv class=\"fml-capex-chart\" aria-label=\"CAPEX cost category breakdown\"\u003e\n\u003cdiv class=\"fml-capex-bar-row\"\u003e\n\u003cspan\u003eBuildout\u003c\/span\u003e\u003cdiv\u003e\u003ci data-capex-bar=\"clinic_buildout_furniture\" style=\"--fml-capex-share: 11%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-capex-share=\"clinic_buildout_furniture\"\u003e11%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-bar-row\"\u003e\n\u003cspan\u003eEquipment\u003c\/span\u003e\u003cdiv\u003e\u003ci data-capex-bar=\"medical_equipment_tools\" style=\"--fml-capex-share: 22%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-capex-share=\"medical_equipment_tools\"\u003e22%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-bar-row\"\u003e\n\u003cspan\u003eSystems\u003c\/span\u003e\u003cdiv\u003e\u003ci data-capex-bar=\"ehr_telehealth_membership_software\" style=\"--fml-capex-share: 45%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-capex-share=\"ehr_telehealth_membership_software\"\u003e45%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-bar-row\"\u003e\n\u003cspan\u003eDigital Access\u003c\/span\u003e\u003cdiv\u003e\u003ci data-capex-bar=\"website_enrollment_network_setup\" style=\"--fml-capex-share: 17%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-capex-share=\"website_enrollment_network_setup\"\u003e17%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-bar-row\"\u003e\n\u003cspan\u003eSignage\u003c\/span\u003e\u003cdiv\u003e\u003ci data-capex-bar=\"signage_brand_materials\" style=\"--fml-capex-share: 5%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-capex-share=\"signage_brand_materials\"\u003e5%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"fml-capex-export\" type=\"button\" data-capex-export\u003eEXPORT XLSX\u003c\/button\u003e\u003c\/aside\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-note\"\u003e\n\u003cspan class=\"fml-capex-note-icon\" aria-hidden=\"true\"\u003e!\u003c\/span\u003e\u003cp\u003e\u003cstrong\u003eWhat this excludes\u003c\/strong\u003e This calculator covers capitalized startup assets only. It excludes working capital, payroll runway, inventory, deposits, debt service, marketing spend, licensing fees, and other non-capital pre-opening costs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003c\/section\u003e\u003cbr\u003e\u003cdiv class=\"container_new_design_blog\"\u003e\n\n\u003cdiv class=\"text-section_blog text-2_new_design_blog\"\u003e\n\n\u003cdiv class=\"line_top_blog\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\n\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eWhat does this financial model screenshot show?\u003c\/span\u003e\u003c\/h3\u003e\n\n\u003cp\u003eThis shows the \u003cstrong\u003eCAPEX tab\u003c\/strong\u003e: startup costs, launch timing, amounts, and depreciation\/amortization. Open \u003ca href=\"\/products\/direct-primary-care-financial-model\"\u003eDirect Primary Care Practice Financial Model Template\u003c\/a\u003e and adjust assumptions.\u003c\/p\u003e\n\n\u003ch4\u003eKey screenshot highlights\u003c\/h4\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eStartup costs listed\u003c\/li\u003e\n\u003cli\u003eDepreciation flagged clearly\u003c\/li\u003e\n\u003cli\u003eCash runway checked\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003c\/div\u003e\n\n\u003cdiv class=\"image-section_blog image-2_new_design_blog\"\u003e\n\n\u003cdiv class=\"preview-card\" data-preview-src=\"\/cdn\/shop\/files\/direct-primary-care-financial-model-capex-financialmodelslab_021c62a7-7971-4136-88e1-e5873c158f8b.webp\"\u003e\n\u003cimg class=\"preview-img\" width=\"100%\" height=\"auto\" src=\"\/cdn\/shop\/files\/direct-primary-care-financial-model-capex-financialmodelslab_021c62a7-7971-4136-88e1-e5873c158f8b.webp?width=500\" alt=\"Direct Primary Care Practice Financial Model capex inputs showing startup and long‑term capital expenditures, letting users customize equipment, facility and technology investment assumptions for scenario-ready projections.\"\u003e\n\u003cdiv class=\"preview-overlay\"\u003e\n\u003cbutton class=\"preview-btn\" type=\"button\" style=\"align-items: center; vertical-align: middle; display: inline-flex; justify-content: center; gap: 6px; line-height: 1;\"\u003e\nPREVIEW \u003csvg fill=\"#fff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\" role=\"presentation\" viewbox=\"0 0 448 512\" width=\"14\"\u003e\u003cpath d=\"M416 176V86.63L246.6 256L416 425.4V336c0-8.844 7.156-16 16-16s16 7.156 16 16v128c0 8.844-7.156 16-16 16h-128c-8.844 0-16-7.156-16-16s7.156-16 16-16h89.38L224 278.6L54.63 448H144C152.8 448 160 455.2 160 464S152.8 480 144 480h-128C7.156 480 0 472.8 0 464v-128C0 327.2 7.156 320 16 320S32 327.2 32 336v89.38L201.4 256L32 86.63V176C32 184.8 24.84 192 16 192S0 184.8 0 176v-128C0 39.16 7.156 32 16 32h128C152.8 32 160 39.16 160 48S152.8 64 144 64H54.63L224 233.4L393.4 64H304C295.2 64 288 56.84 288 48S295.2 32 304 32h128C440.8 32 448 39.16 448 48v128C448 184.8 440.8 192 432 192S416 184.8 416 176z\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\n\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eWhat drives direct primary care office buildout cost the most?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eA \u003cstrong\u003eDirect Primary Care Practice\u003c\/strong\u003e buildout cost is driven mostly by founder choices, not contractor quotes: \u003cstrong\u003efacility size\u003c\/strong\u003e, \u003cstrong\u003eexam room count\u003c\/strong\u003e, whether the space was already medical, landlord allowance, accessibility needs, utilities, signage, and waiting-area scope. In the base model, \u003cstrong\u003e$28K\u003c\/strong\u003e goes to clinic furniture and office setup and \u003cstrong\u003e$12K\u003c\/strong\u003e to signage, while rent is \u003cstrong\u003e$8,500\u003c\/strong\u003e per month and utilities plus maintenance are \u003cstrong\u003e$1,200\u003c\/strong\u003e per month. Here’s the quick math: overbuilding before panel density rises can create real Month 6 cash pressure.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eMain cost drivers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003ePick a smaller facility first\u003c\/li\u003e\n\u003cli\u003eLimit exam rooms early\u003c\/li\u003e\n\u003cli\u003eUse a medical-ready space\u003c\/li\u003e\n\u003cli\u003eKeep waiting area simple\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eCash pressure to watch\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e$8,500\u003c\/strong\u003e monthly rent\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$1,200\u003c\/strong\u003e utilities and maintenance\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$28K\u003c\/strong\u003e furniture and setup\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$12K\u003c\/strong\u003e signage\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eHow should I fund a direct primary care practice?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eFor a \u003cstrong\u003eDirect Primary Care Practice\u003c\/strong\u003e, fund the ramp, not just launch day: the base case needs \u003cstrong\u003e$552K\u003c\/strong\u003e minimum cash by \u003cstrong\u003eMonth 6\u003c\/strong\u003e, reaches breakeven in \u003cstrong\u003eMonth 7\u003c\/strong\u003e, and pays back in \u003cstrong\u003eMonth 20\u003c\/strong\u003e. Here’s the quick math: year 1 membership mix is \u003cstrong\u003e45%\u003c\/strong\u003e individual at \u003cstrong\u003e$99\u003c\/strong\u003e\/month, \u003cstrong\u003e30%\u003c\/strong\u003e family at \u003cstrong\u003e$199\u003c\/strong\u003e\/month, and \u003cstrong\u003e25%\u003c\/strong\u003e small business at \u003cstrong\u003e$49\u003c\/strong\u003e\/month. With a \u003cstrong\u003e$120K\u003c\/strong\u003e marketing budget and \u003cstrong\u003e$85 CAC\u003c\/strong\u003e, test slower panel growth, higher rent, delayed opening, and higher staffing needs before you choose debt, equity, savings, or partner funding.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eFunding need\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e$552K\u003c\/strong\u003e minimum cash by Month 6\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBreakeven\u003c\/strong\u003e in Month 7\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayback\u003c\/strong\u003e in Month 20\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$120K\u003c\/strong\u003e marketing budget in year 1\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eModel tests\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eTest slower panel growth\u003c\/li\u003e\n\u003cli\u003eTest higher rent\u003c\/li\u003e\n\u003cli\u003eTest delayed opening\u003c\/li\u003e\n\u003cli\u003eTest higher staffing needs\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eWhat hidden costs of starting a direct primary care practice do founders miss?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eThe hidden costs are mostly \u003cstrong\u003epre-opening\u003c\/strong\u003e items, not the clinic buildout: malpractice deposits, legal review of membership agreements, compliance setup, medical board registration, a CLIA waiver if applicable, software onboarding, cybersecurity, launch marketing, supplies, and payroll before members start paying. If you want the setup sequence, \u003ca href=\"\/blogs\/how-to-open\/direct-primary-care\"\u003eHow To Launch Direct Primary Care Practice?\u003c\/a\u003e lays it out cleanly. Here’s the quick math: the base fixed load is about \u003cstrong\u003e$4,300\/month\u003c\/strong\u003e from \u003cstrong\u003e$2,500\u003c\/strong\u003e malpractice insurance, \u003cstrong\u003e$600\u003c\/strong\u003e licenses and compliance, \u003cstrong\u003e$400\u003c\/strong\u003e general liability, and \u003cstrong\u003e$800\u003c\/strong\u003e office supplies.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eBefore opening\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003ePay malpractice deposits up front.\u003c\/li\u003e\n\u003cli\u003eReview membership agreements legally.\u003c\/li\u003e\n\u003cli\u003eSet up compliance and board registration.\u003c\/li\u003e\n\u003cli\u003eBudget software, cybersecurity, marketing, and payroll.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eAfter launch\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003ePlan for \u003cstrong\u003e$2,500\u003c\/strong\u003e malpractice monthly.\u003c\/li\u003e\n\u003cli\u003eCarry \u003cstrong\u003e$600\u003c\/strong\u003e for licenses and compliance.\u003c\/li\u003e\n\u003cli\u003eCarry \u003cstrong\u003e$400\u003c\/strong\u003e for general liability.\u003c\/li\u003e\n\u003cli\u003eSet aside \u003cstrong\u003e$800\u003c\/strong\u003e for supplies and hybrid billing admin.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eCalculate Fuding Needs\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-summary-static\" aria-label=\"Direct Primary Care Practice Startup Cost Summary\" data-locale=\"en-US\" data-currency=\"USD\" data-default-scenario=\"base\" data-export-filename=\"Direct Primary Care Practice Startup Cost Summary.xlsx\" data-site-name=\"Financial Models Lab\" data-site-url=\"https:\/\/financialmodelslab.com\" data-source-title=\"Direct Primary Care Practice Startup Cost Summary\" data-source-url=\"\"\u003e\u003cdiv class=\"fml-summary-static-card\"\u003e\n\u003cheader class=\"fml-summary-static-header\"\u003e\u003cdiv\u003e\n\u003cp class=\"fml-summary-static-eyebrow\"\u003eStartup Cost Summary\u003c\/p\u003e\n\u003cp class=\"fml-summary-static-description\"\u003eThis table separates startup CAPEX from excluded cash needs for a direct primary care practice.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-summary-static-actions\"\u003e\n\u003cdiv class=\"fml-summary-static-scenarios\" aria-label=\"Highlight scenario\"\u003e\n\u003cbutton class=\"fml-summary-static-scenario\" type=\"button\" data-scenario=\"low\"\u003eLow\u003c\/button\u003e\u003cbutton class=\"fml-summary-static-scenario is-active\" type=\"button\" data-scenario=\"base\"\u003eBase\u003c\/button\u003e\u003cbutton class=\"fml-summary-static-scenario\" type=\"button\" data-scenario=\"high\"\u003eHigh\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"fml-summary-static-export\" type=\"button\" data-summary-export\u003eEXPORT XLSX\u003c\/button\u003e\n\u003c\/div\u003e\u003c\/header\u003e\u003csection class=\"fml-summary-static-metrics\" aria-live=\"polite\"\u003e\u003cdiv class=\"fml-summary-static-metric is-primary\"\u003e\n\u003cspan\u003eHighlighted CAPEX\u003c\/span\u003e\u003cstrong data-summary-metric=\"capex\"\u003e$195,000\u003c\/strong\u003e\u003csmall data-summary-metric=\"scenario\"\u003eBase planning example\u003c\/small\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-summary-static-metric is-warning\"\u003e\n\u003cspan\u003eExcluded cash needs\u003c\/span\u003e\u003cstrong data-summary-metric=\"working\"\u003e$552,000\u003c\/strong\u003e\u003csmall\u003eOutside CAPEX total\u003c\/small\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-summary-static-metric\"\u003e\n\u003cspan\u003eFunding need\u003c\/span\u003e\u003cstrong data-summary-metric=\"funding\"\u003e$747,000\u003c\/strong\u003e\u003csmall\u003eCAPEX + excluded cash needs\u003c\/small\u003e\n\u003c\/div\u003e\u003c\/section\u003e\u003cdiv class=\"fml-summary-static-table-wrap\"\u003e\u003ctable class=\"fml-summary-static-table\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth scope=\"col\"\u003eCost Category\u003c\/th\u003e\n\u003cth scope=\"col\" class=\"fml-summary-static-estimate-header\" data-summary-estimate-header\u003eBase Estimate\u003c\/th\u003e\n\u003cth scope=\"col\"\u003eMain Cost Driver\u003c\/th\u003e\n\u003cth scope=\"col\"\u003eCAPEX Calculator\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr data-summary-row data-low=\"46750\" data-base=\"55000\" data-high=\"63250\" data-capex=\"true\"\u003e\n\u003ctd\u003eMedical Equipment and Diagnostic Tools\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$55,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003eDiagnostic equipment scope and vendor grade\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-summary-row data-low=\"38250\" data-base=\"45000\" data-high=\"51750\" data-capex=\"true\"\u003e\n\u003ctd\u003eElectronic Health Record System Implementation\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$45,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003eImplementation depth and integration work\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-summary-row data-low=\"29750\" data-base=\"35000\" data-high=\"40250\" data-capex=\"true\"\u003e\n\u003ctd\u003eTelehealth Platform Setup and Integration\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$35,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003eSetup scope and software integration\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-summary-row data-low=\"27200\" data-base=\"32000\" data-high=\"36800\" data-capex=\"true\"\u003e\n\u003ctd\u003ePatient Portal and Membership Management Software\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$32,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003ePortal features and membership workflow\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-summary-row data-low=\"23800\" data-base=\"28000\" data-high=\"32200\" data-capex=\"true\"\u003e\n\u003ctd\u003eClinic Furniture and Office Setup\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$28,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003eBuildout scope and furnishing quality\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr class=\"is-excluded\" data-summary-row data-low=\"496800\" data-base=\"552000\" data-high=\"607200\" data-capex=\"false\"\u003e\n\u003ctd\u003eMinimum Cash Reserve\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$552,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003eLaunch losses, payroll ramp, and operating reserve through Month 6\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill is-no\"\u003eNo\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\u003c\/div\u003e\n\u003cfooter class=\"fml-summary-static-note\"\u003e\u003cspan class=\"fml-summary-static-note-icon\" aria-hidden=\"true\"\u003e!\u003c\/span\u003e\u003cp\u003e\u003cstrong\u003ePlanning note:\u003c\/strong\u003e Ranges reflect researched startup assumptions; working capital, debt service, taxes, and runway are excluded.\u003c\/p\u003e\u003c\/footer\u003e\n\u003c\/div\u003e\u003c\/section\u003e\u003cbr\u003e\n\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eDirect Primary Care Practice Core Five Startup Costs\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\u003cbr\u003e\n\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eFacility and buildout Startup Expense\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eLease Deposit\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eA direct primary care office needs cash before opening: lease deposit, minor renovations, exam room setup, waiting area fit-out, accessibility work, signage, and utility hookup. In the base model, monthly rent is \u003cstrong\u003e$8,500\u003c\/strong\u003e and utilities plus maintenance are \u003cstrong\u003e$1,200\u003c\/strong\u003e, so rent drag is \u003cstrong\u003e$9,700\u003c\/strong\u003e a month before staff or medical gear.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eBuildout Budget\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eModel the upfront cash as separate lines: lease deposit, \u003cstrong\u003e$28K\u003c\/strong\u003e for clinic furniture and office setup CAPEX, and \u003cstrong\u003e$12K\u003c\/strong\u003e for signage CAPEX. The buildout also needs exam room flow, a small waiting area, storage, and accessibility work. Any landlord allowance should reduce cash outlay, but only if it is written into the lease.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eKeep It Lean\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eKeep the layout simple: enough exam rooms for the visit pattern, basic finishes, and standard utility setup. Get local quotes for drywall, flooring, plumbing, and electrical, since contractor pricing changes by market. Don’t underbuild accessibility or signage; fixing those later usually costs more than doing them once.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003e\u003cspan style=\"color: #ffffff;\"\u003eAllowance Check\u003c\/span\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eIf the landlord offers an improvement allowance, treat it as a funding offset, not free money. Track the amount, timing, reimbursement rules, and any rent tradeoff. If reimbursement happens after work is done, you still need cash to front the buildout.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eMedical equipment and clinical assets Startup Expense\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eCore gear\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003e\u003cstrong\u003e$55K\u003c\/strong\u003e covers durable medical equipment and diagnostic tools, not day-to-day supplies. Think exam tables, stools, wall diagnostic sets, scales, and any \u003cstrong\u003eEKG\u003c\/strong\u003e or point-of-care devices, plus vaccine refrigeration, lab draw setup, sterilization, and procedure gear if you offer those services.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eWhat drives it\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eSize this line from the number of \u003cstrong\u003eexam rooms\u003c\/strong\u003e, the in-house procedures you’ll perform, and whether you’ll store vaccines or draw labs. Here’s the quick math: room count × setup package, plus add-ons for cold storage, sterilization, and procedure tools. Consumables stay separate and are modeled at \u003cstrong\u003e8%\u003c\/strong\u003e of Year 1 revenue.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eCount rooms first\u003c\/li\u003e\n\u003cli\u003ePrice each device\u003c\/li\u003e\n\u003cli\u003eKeep supplies separate\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eSpend smarter\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eMatch purchases to actual service mix, not wish list extras. Used equipment can cut upfront cash needs, but only if it’s reliable and compliant. The cleanest savings come from deferring low-use items until patient volume justifies them. Don’t bury consumables in equipment capex; that distorts the startup budget and the monthly burn.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eBuy for current scope\u003c\/li\u003e\n\u003cli\u003eAsk for used quotes\u003c\/li\u003e\n\u003cli\u003eDelay low-use devices\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003e\u003cspan style=\"color: #ffffff;\"\u003eBudget split\u003c\/span\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003e\u003cstrong\u003eEquipment\u003c\/strong\u003e is the upfront clinical build; \u003cstrong\u003esupplies\u003c\/strong\u003e are the recurring use items. For a direct primary care launch, keep the $55K asset budget separate from the \u003cstrong\u003e8%\u003c\/strong\u003e of Year 1 revenue supply line so you can see cash needs, replacement timing, and margin pressure clearly.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eTechnology, EHR, and membership billing Startup Expense\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eLaunch Stack\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eDirect primary care tech is a launch build, not a small monthly add-on. The base stack is \u003cstrong\u003e$155K\u003c\/strong\u003e upfront: \u003cstrong\u003e$45K\u003c\/strong\u003e EHR implementation, \u003cstrong\u003e$35K\u003c\/strong\u003e telehealth setup, \u003cstrong\u003e$32K\u003c\/strong\u003e patient portal and membership software, \u003cstrong\u003e$25K\u003c\/strong\u003e network security, and \u003cstrong\u003e$18K\u003c\/strong\u003e website and enrollment. Add phones, computers, and printers inside the buildout.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eCost Inputs\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eEstimate it from vendor quotes, user count, and rollout scope. Split one-time setup from recurring fees, then model platform charges at \u003cstrong\u003e55%\u003c\/strong\u003e of Year 1 revenue. That keeps onboarding, integration, and security cash visible early. The mistake is treating EHR and billing like a tiny subscription when the first-year cash need is mostly implementation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eMonthly Drag\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eThe monthly drag is not just software fees. You also need phones, cybersecurity, support, and the tools that keep scheduling, telehealth, and billing moving. Budget one capital line for launch and one recurring fee line tied to \u003cstrong\u003eYear 1 revenue\u003c\/strong\u003e. If cash is tight, underfunding shows up first in integration delays.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003e\u003cspan style=\"color: #ffffff;\"\u003eCash Timing\u003c\/span\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003ePlan for \u003cstrong\u003e$155K\u003c\/strong\u003e of upfront tech CAPEX plus variable platform fees at \u003cstrong\u003e55%\u003c\/strong\u003e of Year 1 revenue. Onboarding and integration hit cash before members ramp, so this line needs launch funding, not just monthly operating room.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eLicensing, legal, insurance, and compliance Startup Expense\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eLegal setup\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003e\u003cstrong\u003eOne-time legal setup\u003c\/strong\u003e covers entity formation, membership agreement review, state-specific direct primary care compliance, medical board registration, and a CLIA waiver if you run tests in-house. Budget it as pre-opening cash, not a monthly fee. \u003cstrong\u003eState rules vary\u003c\/strong\u003e, and this is not legal advice.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eMonthly insurance\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003e\u003cstrong\u003eBase monthly premiums\u003c\/strong\u003e are \u003cstrong\u003e$2,500\u003c\/strong\u003e for malpractice, \u003cstrong\u003e$600\u003c\/strong\u003e for professional licenses and compliance, and \u003cstrong\u003e$400\u003c\/strong\u003e for general liability, or \u003cstrong\u003e$3,500 per month\u003c\/strong\u003e before workers’ compensation. If you hire staff, price workers’ comp from payroll and job class. Keep this in operating expense, not startup CAPEX.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eCompliance checks\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eAsk early about \u003cstrong\u003eworkers’ compensation\u003c\/strong\u003e and whether your service mix needs a \u003cstrong\u003eCLIA waiver\u003c\/strong\u003e. Those two items change with staffing and in-house testing. Here’s the quick filter: if payroll starts, get a workers’ comp quote; if you draw or run tests, confirm lab rules before opening.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eVerify state filing steps\u003c\/li\u003e\n\u003cli\u003eQuote payroll-linked workers’ comp\u003c\/li\u003e\n\u003cli\u003eMatch tests to CLIA scope\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003e\u003cspan style=\"color: #ffffff;\"\u003eCash timing\u003c\/span\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eKeep \u003cstrong\u003eone-time setup\u003c\/strong\u003e, \u003cstrong\u003edeposits\u003c\/strong\u003e, and \u003cstrong\u003emonthly premiums\u003c\/strong\u003e in separate lines so opening cash is clear. That makes it easier to see what you owe before the first member pays and what repeats every month after launch.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eStaffing readiness, launch marketing, and initial supplies Startup Expense\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003ePayroll burn\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eThis startup cost is mostly people and launch spend, not equipment. At the stated Year 1 staffing rates, payroll is about \u003cstrong\u003e$4.9M\u003c\/strong\u003e, before the \u003cstrong\u003e$120K\u003c\/strong\u003e marketing budget and supplies at \u003cstrong\u003e8%\u003c\/strong\u003e of revenue. That makes staffing readiness the biggest cash decision, especially while the physician owner ramps and the panel is still small.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eStaffing build\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eModel staffing as \u003cstrong\u003e10 FTE\u003c\/strong\u003e (full-time equivalents) physician at \u003cstrong\u003e$220K\u003c\/strong\u003e, \u003cstrong\u003e10 FTE\u003c\/strong\u003e registered nurse at \u003cstrong\u003e$85K\u003c\/strong\u003e, \u003cstrong\u003e10 FTE\u003c\/strong\u003e medical assistant at \u003cstrong\u003e$42K\u003c\/strong\u003e, \u003cstrong\u003e10 FTE\u003c\/strong\u003e practice manager at \u003cstrong\u003e$75K\u003c\/strong\u003e, and \u003cstrong\u003e10 FTE\u003c\/strong\u003e marketing manager at \u003cstrong\u003e$68K\u003c\/strong\u003e. The math totals \u003cstrong\u003e$4.9M\u003c\/strong\u003e a year, or about \u003cstrong\u003e$408K\u003c\/strong\u003e a month, before launch payroll timing.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eCarry pre-open months of payroll.\u003c\/li\u003e\n\u003cli\u003eTrain before patient volume peaks.\u003c\/li\u003e\n\u003cli\u003eHire the manager early.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eLaunch marketing\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eThe \u003cstrong\u003e$120K\u003c\/strong\u003e marketing budget covers website launch, local outreach, and patient onboarding materials, plus the marketing lead who runs it. At \u003cstrong\u003e$85 CAC\u003c\/strong\u003e (customer acquisition cost), that spend implies about \u003cstrong\u003e1,412\u003c\/strong\u003e new members (\u003cstrong\u003e$120,000 ÷ $85\u003c\/strong\u003e). Keep this separate from retention marketing and monthly advertising so you can see what it costs to open the doors.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eLaunch the website first.\u003c\/li\u003e\n\u003cli\u003eTrack CAC by channel weekly.\u003c\/li\u003e\n\u003cli\u003eBudget onboarding materials separately.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003e\u003cspan style=\"color: #ffffff;\"\u003eInitial supplies\u003c\/span\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eClinical consumables belong in operating burn, not one-time buildout, and they run at \u003cstrong\u003e8%\u003c\/strong\u003e of revenue. That means every \u003cstrong\u003e$100K\u003c\/strong\u003e of revenue needs about \u003cstrong\u003e$8K\u003c\/strong\u003e for gloves, swabs, patient form\ns, and room restock, while uniforms and office supplies should be bought once for opening week. This keeps launch cash clean and avoids double counting monthly supply use.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eCompare 3 Startup Cost Scenarios\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-scenario-table\" aria-label=\"Direct Primary Care Practice Startup Cost Scenarios\" data-site-name=\"Financial Models Lab\" data-site-url=\"https:\/\/financialmodelslab.com\" data-source-title=\"Direct Primary Care Practice Startup Cost Scenarios\" data-note-label=\"Planning note\" data-note-text=\"These ranges are planning assumptions built from the model inputs, not exact vendor quotes or fixed build costs.\"\u003e\u003cdiv class=\"fml-scenario-table-card\"\u003e\n\u003cheader class=\"fml-scenario-table-header\"\u003e\u003cdiv\u003e\n\u003cp class=\"fml-scenario-table-eyebrow\"\u003eStartup cost scenarios\u003c\/p\u003e\n\u003cp class=\"fml-scenario-table-description\"\u003eRoom count, staffing, and marketing runway move startup cash need fast. Lean, base, and full cases help you size the practice around the founder's coverage plan and growth pace.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-scenario-table-actions\"\u003e\u003cbutton class=\"fml-scenario-table-export\" type=\"button\" data-scenario-export\u003eEXPORT XLSX\u003c\/button\u003e\u003c\/div\u003e\u003c\/header\u003e\u003cdiv class=\"fml-scenario-table-wrap\"\u003e\u003ctable class=\"fml-scenario-table-grid\"\u003e\n\u003ccaption\u003eLean, base, and full launch cost comparison\u003c\/caption\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth class=\"fml-scenario-table-stub\" scope=\"col\" data-export-value=\"Scenario\"\u003eScenario\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"Lean Launch\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eLean Launch\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eSolo physician\u003c\/span\u003e\n\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"Base Launch\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eBase Launch\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eStandard launch\u003c\/span\u003e\n\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"Full Launch\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eFull Launch\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-warning\"\u003eMulti-provider growth\u003c\/span\u003e\n\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Launch model\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-launch\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-launch-model.svg\" alt=\"\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eLaunch model\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"A founder-led clinic with fewer exam rooms, lean staff coverage, and a shorter marketing runway.\"\u003eA founder-led clinic with fewer exam rooms, lean staff coverage, and a shorter marketing runway.\u003c\/td\u003e\n\u003ctd data-export-value=\"A physician-led clinic built around the model's anchor costs and a normal first-year operating plan.\"\u003eA physician-led clinic built around the model's anchor costs and a normal first-year operating plan.\u003c\/td\u003e\n\u003ctd data-export-value=\"A larger launch with more rooms, broader staff coverage, and extra working capital for a faster member push.\"\u003eA larger launch with more rooms, broader staff coverage, and extra working capital for a faster member push.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Typical setup\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-setup\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-typical-setup.svg\" alt=\"\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eTypical setup\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"One physician, limited room buildout, and only the core equipment needed to start seeing members.\"\u003eOne physician, limited room buildout, and only the core equipment needed to start seeing members.\u003c\/td\u003e\n\u003ctd data-export-value=\"One full clinic site with standard rooms, core equipment, startup software, and the base staff mix.\"\u003eOne full clinic site with standard rooms, core equipment, startup software, and the base staff mix.\u003c\/td\u003e\n\u003ctd data-export-value=\"More exam rooms, more equipment, and higher staffing coverage to support multiple physicians or heavier visit volume.\"\u003eMore exam rooms, more equipment, and higher staffing coverage to support multiple physicians or heavier visit volume.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Cost drivers\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-drivers\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-cost-drivers.svg\" alt=\"\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eCost drivers\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Fewer exam rooms; lighter staff coverage; smaller equipment set; shorter marketing runway; lower working capital\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003eFewer exam rooms\u003c\/li\u003e\n\u003cli\u003elighter staff coverage\u003c\/li\u003e\n\u003cli\u003esmaller equipment set\u003c\/li\u003e\n\u003cli\u003eshorter marketing runway\u003c\/li\u003e\n\u003cli\u003elower working capital\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003ctd data-export-value=\"Base $552K cash need; $250K CAPEX; $8,500 rent; $490K Year 1 wages; $120K marketing\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003eBase $552K cash need\u003c\/li\u003e\n\u003cli\u003e$250K CAPEX\u003c\/li\u003e\n\u003cli\u003e$8,500 rent\u003c\/li\u003e\n\u003cli\u003e$490K Year 1 wages\u003c\/li\u003e\n\u003cli\u003e$120K marketing\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003ctd data-export-value=\"More exam rooms; higher equipment spend; added clinical staff; larger marketing runway; extra working capital\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003eMore exam rooms\u003c\/li\u003e\n\u003cli\u003ehigher equipment spend\u003c\/li\u003e\n\u003cli\u003eadded clinical staff\u003c\/li\u003e\n\u003cli\u003elarger marketing runway\u003c\/li\u003e\n\u003cli\u003eextra working capital\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Planning range\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-range\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-planning-range.svg\" alt=\"\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003ePlanning range\u003c\/span\u003e\u003cspan class=\"fml-scenario-row-subtitle\"\u003eCAPEX only\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"$350,000 - $550,000\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e$350,000 - $550,000\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eLower cash need\u003c\/span\u003e\n\u003c\/td\u003e\n\u003ctd data-export-value=\"$550,000 - $850,000\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e$550,000 - $850,000\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eBase case\u003c\/span\u003e\n\u003c\/td\u003e\n\u003ctd data-export-value=\"$850,000 - $1,250,000\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e$850,000 - $1,250,000\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-warning\"\u003eHigher cash need\u003c\/span\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Best fit\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-fit\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-best-fit.svg\" alt=\"\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eBest fit\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Best for a solo physician testing local demand and keeping monthly overhead tight.\"\u003eBest for a solo physician testing local demand and keeping monthly overhead tight.\u003c\/td\u003e\n\u003ctd data-export-value=\"Best for a standard launch that wants enough cash to open, market, and cover the first ramp.\"\u003eBest for a standard launch that wants enough cash to open, market, and cover the first ramp.\u003c\/td\u003e\n\u003ctd data-export-value=\"Best for multi-provider growth and founders planning to scale past a single-physician start.\"\u003eBest for multi-provider growth and founders planning to scale past a single-physician start.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\u003c\/div\u003e\n\u003cdiv class=\"fml-scenario-table-note\"\u003e\n\u003cspan class=\"fml-scenario-table-note-icon\" aria-hidden=\"true\"\u003e!\u003c\/span\u003e\u003cp\u003e\u003cstrong\u003ePlanning note:\u003c\/strong\u003e These ranges are planning assumptions built from the model inputs, not exact vendor quotes or fixed build costs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003c\/section\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49303718265075,"sku":"direct-primary-care-startup-costs","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/direct-primary-care-startup-costs.webp?v=1782680992","url":"https:\/\/financialmodelslab.com\/products\/direct-primary-care-startup-costs","provider":"Financial Models Lab","version":"1.0","type":"link"}