• Idaho Urologic Institute

    Idaho Urologic Institute

    Idaho Urologic Institute

    • : Refinance
    • :$11 MM
    • Idaho Urologic Institute is the largest Urologic practice in Idaho. The partners own and operate four properties, including an ASC. CMAC’s RFP resulted in:
      • Lowering the rate
      • Improving the guarantees
      • Creating a structure for partner buy-in, and
      • Improving cash-on-cash returns.

      CMAC was able to create a savings of over $1 MM for the physicians of Idaho Urologic Institute over the new term of its loan.

    • : www.idurology.com
  • Olympia Orthopeadic Associates

    Olympia Orthopaedic Associates

    Olympia Orthopaedic Associates

    • : Refinance
    • : $17.25 MM
    • Olympia Orthopaedic Associates is the largest orthopaedic group in Central Washington. It owns three medical office locations totaling 75,000 sq.ft. Olympia is a 100% owner-occupied medical real estate whom requested assistance from CMAC Partners on the refinancing of their medical real estates after negotiating with previous lenders for more than a year without the hoped-for outcome. CMAC created savings of more than $1 million for Olympia’s partners.
    • : www.olyortho.com
  • Orthopedic Physicians Anchorage 1

    Orthopedic Physicians Anchorage, AK

    Orthopedic Physicians Anchorage, AK

    • : New Construction
    • : $42MM
    • Orthopedic Physicians Anchorage joined with Venture Development Group, LLC to construct a new, 60k sq ft Medical Office Building along with the refinance of an existing facility and the purchase of an ASC, as well as all the associated medical equipment for the new facility. The structure was highly complex with multiple moving parts and several ownership entities. CMAC secured the needed financing at below-market pricing, and due to the conservative nature of the group, was able to provide a long term fixed option without utilizing an interest rate swap.
    • : www.opanchorage.com
  • CardioVascular Associates

    CardioVascular Associates P.C., Birmingham, AL

    CardioVascular Associates P.C., Birmingham, AL

    • : New Construction
    • : $27MM
    • CardioVascular Associates, a 30 physician cardiovascular specialty group decided to merge its 3 largest locations into one new main 74,000 sq ft medical campus. CMAC’s team of experts met with the executive committee to determine its needs and how best to structure the financing for the new development. CMAC analyzed and negotiated the highly technical financing proposals and then secured the final package which included 100% financing and a Federal Stimulus Bond component.
    • : www.cvapc.com
  • Tri State Orthopaedic Surgeons

    Tri-State Orthopaedic Surgeons, Evansville, IN

    Tri-State Orthopaedic Surgeons, Evansville, IN

    • : New Construction to Permanent
    • : $51MM
    • St. Mary’s Health, a member of St. Vincent and Ascension Health, and Tri-State Orthopaedics are partnering to build a 135,000 sq ft, four story state-of-the-art orthopedic specialty hospital at an approximate cost of $64 million. CMAC successfully secured bank financing for the real estate and equipment at 80% LTC/LTV, no personal guarantees. CMAC negotiated a forward fix rate of 4.15% for 10 years with a 2 year interest only period.
    • www.tristate-ortho.com
  • The Rothman Institute

    The Rothman Institute

    The Rothman Institute, Philadelphia, PA

    • : Refinance
    • : $59MM
    • The Rothman Institute with in excess of 110 physicians believes it is the largest and best orthopedic medical practice in the world. With 22 locations (and growing) throughout the Philadelphia and South Jersey areas, and a full range of Orthopaedic care and services. The Rothman Institute has interest in three medical office buildings with combine values of over $30 million, and the majority interest in a joint venture orthopedic surgical hospital with Thomas Jefferson Hospital. CMAC Partners was able to negotiate reductions on the medical office buildings (closed a few months earlier) and caused a rate modification on the surgical hospital to create a savings of more than $3.4 million.
    • : www.rothmaninstitute.com
  • OrthoCarolina Charlotte 1

    OrthoCarolina – Charlotte, NC

    OrthoCarolina - Charlotte, NC

    • : Refinance and New Financing for Purchases
    • : $55MM
    • OrthoCarolina is the largest Orthopedic practice in North Carolina, with 111 providers, and 25 locations. CMAC Partners was successful in restructuring OrthoCarolina’ s existing $30MM real estate portfolio, creating improvements in the loan terms and a savings of over $2MM. In addition, OrthoCarolina has acquired several practices with existing real estate of over $25MM, in a relatively short time frame. While the practice is in the process of solidifying the integration of the new real estate, CMAC secured financing proposals that covered 100% of the purchase price.
    • : www.orthocarolina.com
  • Pacific Cataract Laser

    Centralia – WA

    Centralia – WA

    • : Refinance
    • :$30MM
    • Pacific Cataract & Laser Institute is a physician owned, fully serviced Ophthalmology practice based in the state of Washington. The practice operates in six states from 18 locations. The proposals we received saved millions of dollars in interest expense and simplified their loan structure. Additionally, we secured savings for their more than $9MM in equipment debt.
    • www.pcli.com/
  • Idaho Urologic Institute

    Idaho Urologic Institute

    Idaho Urologic Institute

    • : Refinance
    • :$11 MM
    • Idaho Urologic Institute is the largest Urologic practice in Idaho. The partners own and operate four properties, including an ASC. CMAC’s RFP resulted in:
      • Lowering the rate
      • Improving the guarantees
      • Creating a structure for partner buy-in, and
      • Improving cash-on-cash returns.

      CMAC was able to create a savings of over $1 MM for the physicians of Idaho Urologic Institute over the new term of its loan.

    • : www.idurology.com
  • Olympia Orthopeadic Associates

    Olympia Orthopaedic Associates

    Olympia Orthopaedic Associates

    • : Refinance
    • : $17.25 MM
    • Olympia Orthopaedic Associates is the largest orthopaedic group in Central Washington. It owns three medical office locations totaling 75,000 sq.ft. Olympia is a 100% owner-occupied medical real estate whom requested assistance from CMAC Partners on the refinancing of their medical real estates after negotiating with previous lenders for more than a year without the hoped-for outcome. CMAC created savings of more than $1 million for Olympia’s partners.
    • : www.olyortho.com
  • Orthopedic Physicians Anchorage 1

    Orthopedic Physicians Anchorage, AK

    Orthopedic Physicians Anchorage, AK

    • : New Construction
    • : $42MM
    • Orthopedic Physicians Anchorage joined with Venture Development Group, LLC to construct a new, 60k sq ft Medical Office Building along with the refinance of an existing facility and the purchase of an ASC, as well as all the associated medical equipment for the new facility. The structure was highly complex with multiple moving parts and several ownership entities. CMAC secured the needed financing at below-market pricing, and due to the conservative nature of the group, was able to provide a long term fixed option without utilizing an interest rate swap.
    • : www.opanchorage.com
  • CardioVascular Associates

    CardioVascular Associates P.C., Birmingham, AL

    CardioVascular Associates P.C., Birmingham, AL

    • : New Construction
    • : $27MM
    • CardioVascular Associates, a 30 physician cardiovascular specialty group decided to merge its 3 largest locations into one new main 74,000 sq ft medical campus. CMAC’s team of experts met with the executive committee to determine its needs and how best to structure the financing for the new development. CMAC analyzed and negotiated the highly technical financing proposals and then secured the final package which included 100% financing and a Federal Stimulus Bond component.
    • : www.cvapc.com
  • Tri State Orthopaedic Surgeons

    Tri-State Orthopaedic Surgeons, Evansville, IN

    Tri-State Orthopaedic Surgeons, Evansville, IN

    • : New Construction to Permanent
    • : $51MM
    • St. Mary’s Health, a member of St. Vincent and Ascension Health, and Tri-State Orthopaedics are partnering to build a 135,000 sq ft, four story state-of-the-art orthopedic specialty hospital at an approximate cost of $64 million. CMAC successfully secured bank financing for the real estate and equipment at 80% LTC/LTV, no personal guarantees. CMAC negotiated a forward fix rate of 4.15% for 10 years with a 2 year interest only period.
    • www.tristate-ortho.com
  • The Rothman Institute

    The Rothman Institute

    The Rothman Institute, Philadelphia, PA

    • : Refinance
    • : $59MM
    • The Rothman Institute with in excess of 110 physicians believes it is the largest and best orthopedic medical practice in the world. With 22 locations (and growing) throughout the Philadelphia and South Jersey areas, and a full range of Orthopaedic care and services. The Rothman Institute has interest in three medical office buildings with combine values of over $30 million, and the majority interest in a joint venture orthopedic surgical hospital with Thomas Jefferson Hospital. CMAC Partners was able to negotiate reductions on the medical office buildings (closed a few months earlier) and caused a rate modification on the surgical hospital to create a savings of more than $3.4 million.
    • : www.rothmaninstitute.com
  • OrthoCarolina Charlotte 1

    OrthoCarolina – Charlotte, NC

    OrthoCarolina - Charlotte, NC

    • : Refinance and New Financing for Purchases
    • : $55MM
    • OrthoCarolina is the largest Orthopedic practice in North Carolina, with 111 providers, and 25 locations. CMAC Partners was successful in restructuring OrthoCarolina’ s existing $30MM real estate portfolio, creating improvements in the loan terms and a savings of over $2MM. In addition, OrthoCarolina has acquired several practices with existing real estate of over $25MM, in a relatively short time frame. While the practice is in the process of solidifying the integration of the new real estate, CMAC secured financing proposals that covered 100% of the purchase price.
    • : www.orthocarolina.com
  • Pacific Cataract Laser

    Centralia – WA

    Centralia – WA

    • : Refinance
    • :$30MM
    • Pacific Cataract & Laser Institute is a physician owned, fully serviced Ophthalmology practice based in the state of Washington. The practice operates in six states from 18 locations. The proposals we received saved millions of dollars in interest expense and simplified their loan structure. Additionally, we secured savings for their more than $9MM in equipment debt.
    • www.pcli.com/
  • Idaho Urologic Institute

    Idaho Urologic Institute

    Idaho Urologic Institute

    • : Refinance
    • :$11 MM
    • Idaho Urologic Institute is the largest Urologic practice in Idaho. The partners own and operate four properties, including an ASC. CMAC’s RFP resulted in:
      • Lowering the rate
      • Improving the guarantees
      • Creating a structure for partner buy-in, and
      • Improving cash-on-cash returns.

      CMAC was able to create a savings of over $1 MM for the physicians of Idaho Urologic Institute over the new term of its loan.

    • : www.idurology.com
  • Olympia Orthopeadic Associates

    Olympia Orthopaedic Associates

    Olympia Orthopaedic Associates

    • : Refinance
    • : $17.25 MM
    • Olympia Orthopaedic Associates is the largest orthopaedic group in Central Washington. It owns three medical office locations totaling 75,000 sq.ft. Olympia is a 100% owner-occupied medical real estate whom requested assistance from CMAC Partners on the refinancing of their medical real estates after negotiating with previous lenders for more than a year without the hoped-for outcome. CMAC created savings of more than $1 million for Olympia’s partners.
    • : www.olyortho.com
  • Orthopedic Physicians Anchorage 1

    Orthopedic Physicians Anchorage, AK

    Orthopedic Physicians Anchorage, AK

    • : New Construction
    • : $42MM
    • Orthopedic Physicians Anchorage joined with Venture Development Group, LLC to construct a new, 60k sq ft Medical Office Building along with the refinance of an existing facility and the purchase of an ASC, as well as all the associated medical equipment for the new facility. The structure was highly complex with multiple moving parts and several ownership entities. CMAC secured the needed financing at below-market pricing, and due to the conservative nature of the group, was able to provide a long term fixed option without utilizing an interest rate swap.
    • : www.opanchorage.com
  • CardioVascular Associates

    CardioVascular Associates P.C., Birmingham, AL

    CardioVascular Associates P.C., Birmingham, AL

    • : New Construction
    • : $27MM
    • CardioVascular Associates, a 30 physician cardiovascular specialty group decided to merge its 3 largest locations into one new main 74,000 sq ft medical campus. CMAC’s team of experts met with the executive committee to determine its needs and how best to structure the financing for the new development. CMAC analyzed and negotiated the highly technical financing proposals and then secured the final package which included 100% financing and a Federal Stimulus Bond component.
    • : www.cvapc.com
  • Tri State Orthopaedic Surgeons

    Tri-State Orthopaedic Surgeons, Evansville, IN

    Tri-State Orthopaedic Surgeons, Evansville, IN

    • : New Construction to Permanent
    • : $51MM
    • St. Mary’s Health, a member of St. Vincent and Ascension Health, and Tri-State Orthopaedics are partnering to build a 135,000 sq ft, four story state-of-the-art orthopedic specialty hospital at an approximate cost of $64 million. CMAC successfully secured bank financing for the real estate and equipment at 80% LTC/LTV, no personal guarantees. CMAC negotiated a forward fix rate of 4.15% for 10 years with a 2 year interest only period.
    • www.tristate-ortho.com
  • The Rothman Institute

    The Rothman Institute

    The Rothman Institute, Philadelphia, PA

    • : Refinance
    • : $59MM
    • The Rothman Institute with in excess of 110 physicians believes it is the largest and best orthopedic medical practice in the world. With 22 locations (and growing) throughout the Philadelphia and South Jersey areas, and a full range of Orthopaedic care and services. The Rothman Institute has interest in three medical office buildings with combine values of over $30 million, and the majority interest in a joint venture orthopedic surgical hospital with Thomas Jefferson Hospital. CMAC Partners was able to negotiate reductions on the medical office buildings (closed a few months earlier) and caused a rate modification on the surgical hospital to create a savings of more than $3.4 million.
    • : www.rothmaninstitute.com
  • OrthoCarolina Charlotte 1

    OrthoCarolina – Charlotte, NC

    OrthoCarolina - Charlotte, NC

    • : Refinance and New Financing for Purchases
    • : $55MM
    • OrthoCarolina is the largest Orthopedic practice in North Carolina, with 111 providers, and 25 locations. CMAC Partners was successful in restructuring OrthoCarolina’ s existing $30MM real estate portfolio, creating improvements in the loan terms and a savings of over $2MM. In addition, OrthoCarolina has acquired several practices with existing real estate of over $25MM, in a relatively short time frame. While the practice is in the process of solidifying the integration of the new real estate, CMAC secured financing proposals that covered 100% of the purchase price.
    • : www.orthocarolina.com
  • Pacific Cataract Laser

    Centralia – WA

    Centralia – WA

    • : Refinance
    • :$30MM
    • Pacific Cataract & Laser Institute is a physician owned, fully serviced Ophthalmology practice based in the state of Washington. The practice operates in six states from 18 locations. The proposals we received saved millions of dollars in interest expense and simplified their loan structure. Additionally, we secured savings for their more than $9MM in equipment debt.
    • www.pcli.com/

Who We Are

CMAC is a commercial financing firm that specializes in working with physician-owned medical real estate. Our team is led by a former Wall Street banker with more than 20 years of experience working with hundreds of private medical practices across the country.

WhatWEDo

What We Do

CMAC secures over $500 million of capital annually for our medical real estate clients.  We review thousands of bank proposals from across the country giving us the data and access to guarantee the best pricing and terms in your market. Ultimately, we deliver better-than-market results for our clients through – Leverage, Data, and Expertise.

Recent Works

  • Lexington-Clinic

    Lexington Clinic, Lexington, KY

    Lexington Clinic, Lexington, KY

    • : Real Estate and Equipment Refinance
    • : $35MM
    • Lexington Clinic is a multi-specialty group practice comprised of approximately 200 providers offering care in more than 30 specialties. It is owned by 114 doctors equally with over 20 locations. CMAC was hired to improve the existing debt structure to create interest savings over the remaining terms. The debt portfolio was approximately $35MM, which included real estate, equipment and operating lines. CMAC was successful in renegotiating the existing capital structure with Lexington Clinic’s incumbent lender. The negotiations created cash flow improvement by re-amortizing, and significant interest savings.
    • : www.lexclin.com
  • The-NeuroMedical-Surgical

    The NeuroMedical Surgical Hospital, Baton Rouge, LA

    The NeuroMedical Surgical Hospital, Baton Rouge, LA

    • Rob Blair, CEO
    • : Refinance
    • :$13MM
    • is a physician-owned 23 bed surgical hospital that opened on October 1, 2004. It has four operating rooms and three pain procedure rooms. It also has an in-house lab and sleep center. The client had recently gone to its bank and obtained a modest interest rate improvement. CMAC was hired, went back to the same bank and leveraged a 75 bps reduction, saving over a half million dollars in interest costs.
    • www.theneuromedicalcenter.com
  • Lafayette-Surgical

    Lafayette Surgical Specialty Hospital

    Lafayette Surgical Specialty Hospital

    • Buffy Domingue, CEO
    • : Refinance
    • :$6MM
    • Lafayette Surgical Specialty Hospital (LSSH) is a 20-bed physician-owned hospital built in 2004. It has eight operating rooms and two procedure rooms that accommodate 8,000 total cases annually. The related real estate entity is owned by 23 doctor-members. The principals of LSSH engaged CMAC in the midst of their refinancing process. Through its efforts, CMAC was able to make considerable improvement to the proposals that were in hand and closed the financing within a defined period of time necessitated by a retired physician buy-out.
    • : www.lafayettesurgical.com
  • Springhill-Health-Services

    Springhill Health Services, Mobile, AL

    Springhill Health Services, Mobile, AL

    • Beckie Crawford, CFO
    • : Refinance
    • :$28MM
    • Springhill Health Services is a private 252 bed hospital, complete with a medical-surgical healthcare facility serving the greater Southwest Alabama region. CMAC was called in after Springhill had negotiated a substantial reduction from their then current bank. As a result of CMAC’s efforts both the incumbent and competing banks offered rates and terms considerably lower than Springhill had done on their own, generating a savings of about $2MM over the 10 year term. Additionally personal guarantees were not required.
    • : www.springhillmedicalcenter.com
  • Texas-Ortho-Sports

    Texas Ortho, Sports & Rehab Associates, Austin, TX

    Texas Ortho, Sports & Rehab Associates, Austin, TX

    • : Refinance
    • :$12MM
    • Texas Orthopedics has seven locations throughout the Austin area and is comprised of 27 orthopedic partners. The group hired CMAC to assist in refinancing multiple high rate loans that were scheduled to come due in the next couple years. The executive team had concerns about refinancing at a later date in a higher interest rate environment. The major hurdles on this project were to overcome a low appraisal and the negative value of an interest rate swap. CMAC was able to obtain financing at 115% LTV on a 7 year term at 2.95% from a regional bank. The new loan structure created long term security and a significant cash flow savings.
    • : www.txortho.com
  • Arkansas-Surgical-Hospital-North

    Arkansas Surgical Hospital, North little Rock, AR

    Arkansas Surgical Hospital, North little Rock, AR

    • Carrie Helm, CEO
    • : Loan Modification
    • :$32MM
    • Arkansas Surgical Hospital is a physician-owned surgical hospital that, prior to meeting CMAC, had just modified their real estate financing with their incumbent lender. After CMAC’s analysis of the modification, it was determined that their bank’s pricing and terms were still out of the market compared to other similar credits in the region. CMAC used its knowledge of the commercial lending markets and leveraged additional improvements, saving the borrower over $2MM in interest costs.
    • : www.arksurgicalhospital.com
  • CardioVascular Associates

    CardioVascular Associates P.C., Birmingham, AL

    CardioVascular Associates P.C., Birmingham, AL

    • Jim Crandall, CPA, CFO
    • : New Construction
    • :$27MM
    • CardioVascular Associates, a 30 physician cardiovascular specialty group decided to merge its 3 largest locations into one new main 74,000 sq medical campus. CMAC’s team of experts met with the executive committee to determine its needs and how best to structure the financing for the new development. CMAC negotiated and analyzed the highly technical financing proposals and then secured the final package which included 100% financing and a Federal Stimulus Bond component.
    • www.cvapc.com
  • Raleigh-Orthopaedics

    Raleigh Orthopaedics, Raleigh NC

    Raleigh Orthopaedics, Raleigh NC

    • Karl Stein, CEO
    • : New Construction
    • :$30MM
    • Raleigh Orthopaedics is considered one of the premier orthopedics groups in North Carolina. The development project was a joint venture between Rex Hospital and physician partners from Raleigh Orthopaedics. This 83,000-square foot medical office space combines clinic space for the orthopedic practice and an ASC which is shared by the hospital and orthopedic surgeons. CMAC secured financing for 100% LTV fixed for 7 years below 3.18%.
    • : www.raleighortho.com
  • OrthoWilmington-Wilmington

    OrthoWilmington, Wilmington, NC

    OrthoWilmington, Wilmington, NC

    • Stephen Debiasi, CEO
    • : Merger/Refinance
    • :$16MM
    • The two largest orthopedic groups in Wilmington were planning to merge operations but wanted to keep real estate entities separate. CMAC was hired to secure financing to cover both properties and overcome the low property values at that time. CMAC was successful in obtaining a loan spread of 134bps over Libor, fixed for 7 years at 2.45%.  The loan-to-value of 125% was covered by structuring two loans on each property.
    • : www.orthowilmington.com
  • Hope-Orthopedics-Oregon

    Hope Orthopedics of Oregon, Salem, OR

    Hope Orthopedics of Oregon, Salem, OR

    • Lorissa Addabbo, CEO
    • : Refinance/New Acquisition/Improvements
    • :$11MM
    • Hope Ortho had obtained a proposal from their current lender at 4.75% for 7 years. CMAC determined that the proposal was about a percent over what we had recently obtained for similar credits. CMAC vetted the market issuing RFP’s to about a dozen local and regional lenders and was successful in securing financing at a rate of 3.48% for 7 years, saving the borrower over $500,000 in interest costs.
    • : www.orthowilmington.com
  • Eye-and-Laser-Surgery

    Eye and Laser Surgery Center of St.Louis, St. Louis, MO

    Eye and Laser Surgery Center of St.Louis, St. Louis, MO

    • Dr. Joseph Gira, Managing Partner
    • : Refinance and New Construction
    • : $14MM
    • Eye and Laser Surgery Center of St. Louis is a 38,000 sf owner-occupied MOB with ASC, with current debt of $8 MM. The physician partners wished to finance an extensive renovation, as well as a 15,000 sf expansion to the building costing roughly $6 MM, but would not have final project costs for several months. CMAC was able to obtain financing as a two stage transaction. CMAC’s  banking partner approved the existing refinancing and committed to providing the capital needed for the to be determined project.
    • : www.stlouiseyesurgery.com
  • OrthoCarolina-Winston

    OrthoCarolina – Winston

    OrthoCarolina - Winston

    • Scott Guyton, CEO
    • : Refinance
    • : $8.4MM
    • Over a one year period, OSC had negotiated their current real estate loan with their incumbent bank.  They had brought in CMAC with the purpose to review the terms of the deal and give an analysis.  CMAC was able to determine that the bank was presenting them with “out of market pricing,” compared to similar borrowers within other markets.  Once they had engaged us, we were able to present to the local bankers from OS the recent proposals from its own bank, but with more competitive terms and pricing.  This allowed the local banker to request similar pricing from his credit officer.  Once this was granted and the modification was complete, CMAC doubled the savings that had already been created.  The partners saved hundreds of thousands of dollars.
  • Triangle-Orthopaedic-Associates

    Triangle Orthopaedic Associates, Durham NC

    Triangle Orthopaedic Associates, Durham NC

    • George Sheasley, CFO
    • : Refinance
    • : $10.6MM
    • After Triangle Orthopaedic Associates had been through a series of intensive negotiations to reduce their rate, CMAC produce an additional reduction in the rate by leveraging its bond alternative. In response, the bank lowered the rate in order to compete with the bonds. The group benefited from the new rate, generating additional savings of $450,000 over the term of the loan.
  • Tulsa-Bone

    Tulsa Bone and Joint, Tulsa OK

    Tulsa Bone and Joint, Tulsa OK

    • Linda Gunter, CEO
    • : Refinance
    • : $18MM
    • After TBJ had shopped the market looking to make improvements on their existing loan portfolio, CMAC was hired to find additional savings and better terms. CMAC used its leverage to create a competitive bidding environment which led to a saving of hundreds of thousands of dollars.
    • Contact – Linda is currently dealing with a family emergency. Due to her lack of accessibility for the time being, we have included Linda’s attorney as a point-of-contact. Jerry Zimmerman with Rosenstein Fist and Ringold
  • Ophthalmology

    Ophthalmology Holdings, Colorado Springs, CO

    Ophthalmology Holdings, Colorado Springs, CO

    • Kelly Gallacher – Gallacher Development
    • Dr. Dean Carlton – Head Physician
    • : New Construction
    • : $16MM
    • Ophthalmology Holdings is a $16MM MOB which houses four ophthalmology specialty practices in Colorado Springs. CMAC found that their bank had provided a rate and terms that were as good as others seen in the Colorado Springs market, but not as good as what CMAC had achieved with this same bank in recent deals in other states. Once CMAC brought this additional information to the local bank, that banker was able to replicate the non-regional terms, a higher LTV and a savings in interest and fees of more than $1,300,000.
    • Contact – Linda is currently dealing with a family emergency. Due to her lack of accessibility for the time being, we have included Linda’s attorney as a point-of-contact. Jerry Zimmerman with Rosenstein Fist and Ringold
  • OrthoCarolina-Charlotte

    OrthoCarolina – Charlotte, NC

    Ophthalmology Holdings, Colorado Springs, CO

    • Brent Shear, CFO
    • : Refinance and New Financing for Purchases
    • : $55MM
    • OrthoCarolina is the largest Orthopedic practice in North Carolina, with 111 providers, 25 locations and revenues of over $250MM. CMAC Partners was successful in restructuring OrthoCarolina’s existing $30MM real estate portfolio, creating improvements in the loan terms and a savings of over $2MM. In addition, OrthoCarolina has acquired several practices with existing real estate of over $25MM, in a relatively short time frame. While the practice is in the process of solidifying the integration of the new real estate, CMAC was able to secure financing proposals that covered 100% of the purchase price.
    • : www.orthocarolina.com
  • arkansasurology

    Arkansas Urology

    arkansas urology

  • Uro-Partners

    Uro Partners

    Uro Partners

  • Wisconsin-Institute

    Wisconsin Institute of Urology

    Wisconsin Institute of Urology

  • Orthopaedic-Associates

    Orthopaedic Associates of Wisconsin

    Orthopaedic Associates of Wisconsin

  • Physicians-Medical1

    Physicians Medical Center

    Physicians Medical Center

  • demi-Lewiston

    Lewiston Orthopaedics

    Lewiston Orthopaedics:

  • Lexington-Clinic

    Lexington Clinic, Lexington, KY

    Lexington Clinic, Lexington, KY

    • : Real Estate and Equipment Refinance
    • : $35MM
    • Lexington Clinic is a multi-specialty group practice comprised of approximately 200 providers offering care in more than 30 specialties. It is owned by 114 doctors equally with over 20 locations. CMAC was hired to improve the existing debt structure to create interest savings over the remaining terms. The debt portfolio was approximately $35MM, which included real estate, equipment and operating lines. CMAC was successful in renegotiating the existing capital structure with Lexington Clinic’s incumbent lender. The negotiations created cash flow improvement by re-amortizing, and significant interest savings.
    • : www.lexclin.com
  • The-NeuroMedical-Surgical

    The NeuroMedical Surgical Hospital, Baton Rouge, LA

    The NeuroMedical Surgical Hospital, Baton Rouge, LA

    • Rob Blair, CEO
    • : Refinance
    • :$13MM
    • is a physician-owned 23 bed surgical hospital that opened on October 1, 2004. It has four operating rooms and three pain procedure rooms. It also has an in-house lab and sleep center. The client had recently gone to its bank and obtained a modest interest rate improvement. CMAC was hired, went back to the same bank and leveraged a 75 bps reduction, saving over a half million dollars in interest costs.
    • www.theneuromedicalcenter.com
  • Lafayette-Surgical

    Lafayette Surgical Specialty Hospital

    Lafayette Surgical Specialty Hospital

    • Buffy Domingue, CEO
    • : Refinance
    • :$6MM
    • Lafayette Surgical Specialty Hospital (LSSH) is a 20-bed physician-owned hospital built in 2004. It has eight operating rooms and two procedure rooms that accommodate 8,000 total cases annually. The related real estate entity is owned by 23 doctor-members. The principals of LSSH engaged CMAC in the midst of their refinancing process. Through its efforts, CMAC was able to make considerable improvement to the proposals that were in hand and closed the financing within a defined period of time necessitated by a retired physician buy-out.
    • : www.lafayettesurgical.com
  • Springhill-Health-Services

    Springhill Health Services, Mobile, AL

    Springhill Health Services, Mobile, AL

    • Beckie Crawford, CFO
    • : Refinance
    • :$28MM
    • Springhill Health Services is a private 252 bed hospital, complete with a medical-surgical healthcare facility serving the greater Southwest Alabama region. CMAC was called in after Springhill had negotiated a substantial reduction from their then current bank. As a result of CMAC’s efforts both the incumbent and competing banks offered rates and terms considerably lower than Springhill had done on their own, generating a savings of about $2MM over the 10 year term. Additionally personal guarantees were not required.
    • : www.springhillmedicalcenter.com
  • Texas-Ortho-Sports

    Texas Ortho, Sports & Rehab Associates, Austin, TX

    Texas Ortho, Sports & Rehab Associates, Austin, TX

    • : Refinance
    • :$12MM
    • Texas Orthopedics has seven locations throughout the Austin area and is comprised of 27 orthopedic partners. The group hired CMAC to assist in refinancing multiple high rate loans that were scheduled to come due in the next couple years. The executive team had concerns about refinancing at a later date in a higher interest rate environment. The major hurdles on this project were to overcome a low appraisal and the negative value of an interest rate swap. CMAC was able to obtain financing at 115% LTV on a 7 year term at 2.95% from a regional bank. The new loan structure created long term security and a significant cash flow savings.
    • : www.txortho.com
  • Arkansas-Surgical-Hospital-North

    Arkansas Surgical Hospital, North little Rock, AR

    Arkansas Surgical Hospital, North little Rock, AR

    • Carrie Helm, CEO
    • : Loan Modification
    • :$32MM
    • Arkansas Surgical Hospital is a physician-owned surgical hospital that, prior to meeting CMAC, had just modified their real estate financing with their incumbent lender. After CMAC’s analysis of the modification, it was determined that their bank’s pricing and terms were still out of the market compared to other similar credits in the region. CMAC used its knowledge of the commercial lending markets and leveraged additional improvements, saving the borrower over $2MM in interest costs.
    • : www.arksurgicalhospital.com
  • CardioVascular Associates

    CardioVascular Associates P.C., Birmingham, AL

    CardioVascular Associates P.C., Birmingham, AL

    • Jim Crandall, CPA, CFO
    • : New Construction
    • :$27MM
    • CardioVascular Associates, a 30 physician cardiovascular specialty group decided to merge its 3 largest locations into one new main 74,000 sq medical campus. CMAC’s team of experts met with the executive committee to determine its needs and how best to structure the financing for the new development. CMAC negotiated and analyzed the highly technical financing proposals and then secured the final package which included 100% financing and a Federal Stimulus Bond component.
    • www.cvapc.com
  • Raleigh-Orthopaedics

    Raleigh Orthopaedics, Raleigh NC

    Raleigh Orthopaedics, Raleigh NC

    • Karl Stein, CEO
    • : New Construction
    • :$30MM
    • Raleigh Orthopaedics is considered one of the premier orthopedics groups in North Carolina. The development project was a joint venture between Rex Hospital and physician partners from Raleigh Orthopaedics. This 83,000-square foot medical office space combines clinic space for the orthopedic practice and an ASC which is shared by the hospital and orthopedic surgeons. CMAC secured financing for 100% LTV fixed for 7 years below 3.18%.
    • : www.raleighortho.com
  • OrthoWilmington-Wilmington

    OrthoWilmington, Wilmington, NC

    OrthoWilmington, Wilmington, NC

    • Stephen Debiasi, CEO
    • : Merger/Refinance
    • :$16MM
    • The two largest orthopedic groups in Wilmington were planning to merge operations but wanted to keep real estate entities separate. CMAC was hired to secure financing to cover both properties and overcome the low property values at that time. CMAC was successful in obtaining a loan spread of 134bps over Libor, fixed for 7 years at 2.45%.  The loan-to-value of 125% was covered by structuring two loans on each property.
    • : www.orthowilmington.com
  • Hope-Orthopedics-Oregon

    Hope Orthopedics of Oregon, Salem, OR

    Hope Orthopedics of Oregon, Salem, OR

    • Lorissa Addabbo, CEO
    • : Refinance/New Acquisition/Improvements
    • :$11MM
    • Hope Ortho had obtained a proposal from their current lender at 4.75% for 7 years. CMAC determined that the proposal was about a percent over what we had recently obtained for similar credits. CMAC vetted the market issuing RFP’s to about a dozen local and regional lenders and was successful in securing financing at a rate of 3.48% for 7 years, saving the borrower over $500,000 in interest costs.
    • : www.orthowilmington.com
  • Eye-and-Laser-Surgery

    Eye and Laser Surgery Center of St.Louis, St. Louis, MO

    Eye and Laser Surgery Center of St.Louis, St. Louis, MO

    • Dr. Joseph Gira, Managing Partner
    • : Refinance and New Construction
    • : $14MM
    • Eye and Laser Surgery Center of St. Louis is a 38,000 sf owner-occupied MOB with ASC, with current debt of $8 MM. The physician partners wished to finance an extensive renovation, as well as a 15,000 sf expansion to the building costing roughly $6 MM, but would not have final project costs for several months. CMAC was able to obtain financing as a two stage transaction. CMAC’s  banking partner approved the existing refinancing and committed to providing the capital needed for the to be determined project.
    • : www.stlouiseyesurgery.com
  • OrthoCarolina-Winston

    OrthoCarolina – Winston

    OrthoCarolina - Winston

    • Scott Guyton, CEO
    • : Refinance
    • : $8.4MM
    • Over a one year period, OSC had negotiated their current real estate loan with their incumbent bank.  They had brought in CMAC with the purpose to review the terms of the deal and give an analysis.  CMAC was able to determine that the bank was presenting them with “out of market pricing,” compared to similar borrowers within other markets.  Once they had engaged us, we were able to present to the local bankers from OS the recent proposals from its own bank, but with more competitive terms and pricing.  This allowed the local banker to request similar pricing from his credit officer.  Once this was granted and the modification was complete, CMAC doubled the savings that had already been created.  The partners saved hundreds of thousands of dollars.
  • Triangle-Orthopaedic-Associates

    Triangle Orthopaedic Associates, Durham NC

    Triangle Orthopaedic Associates, Durham NC

    • George Sheasley, CFO
    • : Refinance
    • : $10.6MM
    • After Triangle Orthopaedic Associates had been through a series of intensive negotiations to reduce their rate, CMAC produce an additional reduction in the rate by leveraging its bond alternative. In response, the bank lowered the rate in order to compete with the bonds. The group benefited from the new rate, generating additional savings of $450,000 over the term of the loan.
  • Tulsa-Bone

    Tulsa Bone and Joint, Tulsa OK

    Tulsa Bone and Joint, Tulsa OK

    • Linda Gunter, CEO
    • : Refinance
    • : $18MM
    • After TBJ had shopped the market looking to make improvements on their existing loan portfolio, CMAC was hired to find additional savings and better terms. CMAC used its leverage to create a competitive bidding environment which led to a saving of hundreds of thousands of dollars.
    • Contact – Linda is currently dealing with a family emergency. Due to her lack of accessibility for the time being, we have included Linda’s attorney as a point-of-contact. Jerry Zimmerman with Rosenstein Fist and Ringold
  • Ophthalmology

    Ophthalmology Holdings, Colorado Springs, CO

    Ophthalmology Holdings, Colorado Springs, CO

    • Kelly Gallacher – Gallacher Development
    • Dr. Dean Carlton – Head Physician
    • : New Construction
    • : $16MM
    • Ophthalmology Holdings is a $16MM MOB which houses four ophthalmology specialty practices in Colorado Springs. CMAC found that their bank had provided a rate and terms that were as good as others seen in the Colorado Springs market, but not as good as what CMAC had achieved with this same bank in recent deals in other states. Once CMAC brought this additional information to the local bank, that banker was able to replicate the non-regional terms, a higher LTV and a savings in interest and fees of more than $1,300,000.
    • Contact – Linda is currently dealing with a family emergency. Due to her lack of accessibility for the time being, we have included Linda’s attorney as a point-of-contact. Jerry Zimmerman with Rosenstein Fist and Ringold
  • OrthoCarolina-Charlotte

    OrthoCarolina – Charlotte, NC

    Ophthalmology Holdings, Colorado Springs, CO

    • Brent Shear, CFO
    • : Refinance and New Financing for Purchases
    • : $55MM
    • OrthoCarolina is the largest Orthopedic practice in North Carolina, with 111 providers, 25 locations and revenues of over $250MM. CMAC Partners was successful in restructuring OrthoCarolina’s existing $30MM real estate portfolio, creating improvements in the loan terms and a savings of over $2MM. In addition, OrthoCarolina has acquired several practices with existing real estate of over $25MM, in a relatively short time frame. While the practice is in the process of solidifying the integration of the new real estate, CMAC was able to secure financing proposals that covered 100% of the purchase price.
    • : www.orthocarolina.com
  • arkansasurology

    Arkansas Urology

    arkansas urology

  • Uro-Partners

    Uro Partners

    Uro Partners

  • Wisconsin-Institute

    Wisconsin Institute of Urology

    Wisconsin Institute of Urology

  • Orthopaedic-Associates

    Orthopaedic Associates of Wisconsin

    Orthopaedic Associates of Wisconsin

  • Physicians-Medical1

    Physicians Medical Center

    Physicians Medical Center

  • demi-Lewiston

    Lewiston Orthopaedics

    Lewiston Orthopaedics:

  • Lexington-Clinic

    Lexington Clinic, Lexington, KY

    Lexington Clinic, Lexington, KY

    • : Real Estate and Equipment Refinance
    • : $35MM
    • Lexington Clinic is a multi-specialty group practice comprised of approximately 200 providers offering care in more than 30 specialties. It is owned by 114 doctors equally with over 20 locations. CMAC was hired to improve the existing debt structure to create interest savings over the remaining terms. The debt portfolio was approximately $35MM, which included real estate, equipment and operating lines. CMAC was successful in renegotiating the existing capital structure with Lexington Clinic’s incumbent lender. The negotiations created cash flow improvement by re-amortizing, and significant interest savings.
    • : www.lexclin.com
  • The-NeuroMedical-Surgical

    The NeuroMedical Surgical Hospital, Baton Rouge, LA

    The NeuroMedical Surgical Hospital, Baton Rouge, LA

    • Rob Blair, CEO
    • : Refinance
    • :$13MM
    • is a physician-owned 23 bed surgical hospital that opened on October 1, 2004. It has four operating rooms and three pain procedure rooms. It also has an in-house lab and sleep center. The client had recently gone to its bank and obtained a modest interest rate improvement. CMAC was hired, went back to the same bank and leveraged a 75 bps reduction, saving over a half million dollars in interest costs.
    • www.theneuromedicalcenter.com
  • Lafayette-Surgical

    Lafayette Surgical Specialty Hospital

    Lafayette Surgical Specialty Hospital

    • Buffy Domingue, CEO
    • : Refinance
    • :$6MM
    • Lafayette Surgical Specialty Hospital (LSSH) is a 20-bed physician-owned hospital built in 2004. It has eight operating rooms and two procedure rooms that accommodate 8,000 total cases annually. The related real estate entity is owned by 23 doctor-members. The principals of LSSH engaged CMAC in the midst of their refinancing process. Through its efforts, CMAC was able to make considerable improvement to the proposals that were in hand and closed the financing within a defined period of time necessitated by a retired physician buy-out.
    • : www.lafayettesurgical.com
  • Springhill-Health-Services

    Springhill Health Services, Mobile, AL

    Springhill Health Services, Mobile, AL

    • Beckie Crawford, CFO
    • : Refinance
    • :$28MM
    • Springhill Health Services is a private 252 bed hospital, complete with a medical-surgical healthcare facility serving the greater Southwest Alabama region. CMAC was called in after Springhill had negotiated a substantial reduction from their then current bank. As a result of CMAC’s efforts both the incumbent and competing banks offered rates and terms considerably lower than Springhill had done on their own, generating a savings of about $2MM over the 10 year term. Additionally personal guarantees were not required.
    • : www.springhillmedicalcenter.com
  • Texas-Ortho-Sports

    Texas Ortho, Sports & Rehab Associates, Austin, TX

    Texas Ortho, Sports & Rehab Associates, Austin, TX

    • : Refinance
    • :$12MM
    • Texas Orthopedics has seven locations throughout the Austin area and is comprised of 27 orthopedic partners. The group hired CMAC to assist in refinancing multiple high rate loans that were scheduled to come due in the next couple years. The executive team had concerns about refinancing at a later date in a higher interest rate environment. The major hurdles on this project were to overcome a low appraisal and the negative value of an interest rate swap. CMAC was able to obtain financing at 115% LTV on a 7 year term at 2.95% from a regional bank. The new loan structure created long term security and a significant cash flow savings.
    • : www.txortho.com
  • Arkansas-Surgical-Hospital-North

    Arkansas Surgical Hospital, North little Rock, AR

    Arkansas Surgical Hospital, North little Rock, AR

    • Carrie Helm, CEO
    • : Loan Modification
    • :$32MM
    • Arkansas Surgical Hospital is a physician-owned surgical hospital that, prior to meeting CMAC, had just modified their real estate financing with their incumbent lender. After CMAC’s analysis of the modification, it was determined that their bank’s pricing and terms were still out of the market compared to other similar credits in the region. CMAC used its knowledge of the commercial lending markets and leveraged additional improvements, saving the borrower over $2MM in interest costs.
    • : www.arksurgicalhospital.com
  • CardioVascular Associates

    CardioVascular Associates P.C., Birmingham, AL

    CardioVascular Associates P.C., Birmingham, AL

    • Jim Crandall, CPA, CFO
    • : New Construction
    • :$27MM
    • CardioVascular Associates, a 30 physician cardiovascular specialty group decided to merge its 3 largest locations into one new main 74,000 sq medical campus. CMAC’s team of experts met with the executive committee to determine its needs and how best to structure the financing for the new development. CMAC negotiated and analyzed the highly technical financing proposals and then secured the final package which included 100% financing and a Federal Stimulus Bond component.
    • www.cvapc.com
  • Raleigh-Orthopaedics

    Raleigh Orthopaedics, Raleigh NC

    Raleigh Orthopaedics, Raleigh NC

    • Karl Stein, CEO
    • : New Construction
    • :$30MM
    • Raleigh Orthopaedics is considered one of the premier orthopedics groups in North Carolina. The development project was a joint venture between Rex Hospital and physician partners from Raleigh Orthopaedics. This 83,000-square foot medical office space combines clinic space for the orthopedic practice and an ASC which is shared by the hospital and orthopedic surgeons. CMAC secured financing for 100% LTV fixed for 7 years below 3.18%.
    • : www.raleighortho.com
  • OrthoWilmington-Wilmington

    OrthoWilmington, Wilmington, NC

    OrthoWilmington, Wilmington, NC

    • Stephen Debiasi, CEO
    • : Merger/Refinance
    • :$16MM
    • The two largest orthopedic groups in Wilmington were planning to merge operations but wanted to keep real estate entities separate. CMAC was hired to secure financing to cover both properties and overcome the low property values at that time. CMAC was successful in obtaining a loan spread of 134bps over Libor, fixed for 7 years at 2.45%.  The loan-to-value of 125% was covered by structuring two loans on each property.
    • : www.orthowilmington.com
  • Hope-Orthopedics-Oregon

    Hope Orthopedics of Oregon, Salem, OR

    Hope Orthopedics of Oregon, Salem, OR

    • Lorissa Addabbo, CEO
    • : Refinance/New Acquisition/Improvements
    • :$11MM
    • Hope Ortho had obtained a proposal from their current lender at 4.75% for 7 years. CMAC determined that the proposal was about a percent over what we had recently obtained for similar credits. CMAC vetted the market issuing RFP’s to about a dozen local and regional lenders and was successful in securing financing at a rate of 3.48% for 7 years, saving the borrower over $500,000 in interest costs.
    • : www.orthowilmington.com
  • Eye-and-Laser-Surgery

    Eye and Laser Surgery Center of St.Louis, St. Louis, MO

    Eye and Laser Surgery Center of St.Louis, St. Louis, MO

    • Dr. Joseph Gira, Managing Partner
    • : Refinance and New Construction
    • : $14MM
    • Eye and Laser Surgery Center of St. Louis is a 38,000 sf owner-occupied MOB with ASC, with current debt of $8 MM. The physician partners wished to finance an extensive renovation, as well as a 15,000 sf expansion to the building costing roughly $6 MM, but would not have final project costs for several months. CMAC was able to obtain financing as a two stage transaction. CMAC’s  banking partner approved the existing refinancing and committed to providing the capital needed for the to be determined project.
    • : www.stlouiseyesurgery.com
  • OrthoCarolina-Winston

    OrthoCarolina – Winston

    OrthoCarolina - Winston

    • Scott Guyton, CEO
    • : Refinance
    • : $8.4MM
    • Over a one year period, OSC had negotiated their current real estate loan with their incumbent bank.  They had brought in CMAC with the purpose to review the terms of the deal and give an analysis.  CMAC was able to determine that the bank was presenting them with “out of market pricing,” compared to similar borrowers within other markets.  Once they had engaged us, we were able to present to the local bankers from OS the recent proposals from its own bank, but with more competitive terms and pricing.  This allowed the local banker to request similar pricing from his credit officer.  Once this was granted and the modification was complete, CMAC doubled the savings that had already been created.  The partners saved hundreds of thousands of dollars.
  • Triangle-Orthopaedic-Associates

    Triangle Orthopaedic Associates, Durham NC

    Triangle Orthopaedic Associates, Durham NC

    • George Sheasley, CFO
    • : Refinance
    • : $10.6MM
    • After Triangle Orthopaedic Associates had been through a series of intensive negotiations to reduce their rate, CMAC produce an additional reduction in the rate by leveraging its bond alternative. In response, the bank lowered the rate in order to compete with the bonds. The group benefited from the new rate, generating additional savings of $450,000 over the term of the loan.
  • Tulsa-Bone

    Tulsa Bone and Joint, Tulsa OK

    Tulsa Bone and Joint, Tulsa OK

    • Linda Gunter, CEO
    • : Refinance
    • : $18MM
    • After TBJ had shopped the market looking to make improvements on their existing loan portfolio, CMAC was hired to find additional savings and better terms. CMAC used its leverage to create a competitive bidding environment which led to a saving of hundreds of thousands of dollars.
    • Contact – Linda is currently dealing with a family emergency. Due to her lack of accessibility for the time being, we have included Linda’s attorney as a point-of-contact. Jerry Zimmerman with Rosenstein Fist and Ringold
  • Ophthalmology

    Ophthalmology Holdings, Colorado Springs, CO

    Ophthalmology Holdings, Colorado Springs, CO

    • Kelly Gallacher – Gallacher Development
    • Dr. Dean Carlton – Head Physician
    • : New Construction
    • : $16MM
    • Ophthalmology Holdings is a $16MM MOB which houses four ophthalmology specialty practices in Colorado Springs. CMAC found that their bank had provided a rate and terms that were as good as others seen in the Colorado Springs market, but not as good as what CMAC had achieved with this same bank in recent deals in other states. Once CMAC brought this additional information to the local bank, that banker was able to replicate the non-regional terms, a higher LTV and a savings in interest and fees of more than $1,300,000.
    • Contact – Linda is currently dealing with a family emergency. Due to her lack of accessibility for the time being, we have included Linda’s attorney as a point-of-contact. Jerry Zimmerman with Rosenstein Fist and Ringold
  • OrthoCarolina-Charlotte

    OrthoCarolina – Charlotte, NC

    Ophthalmology Holdings, Colorado Springs, CO

    • Brent Shear, CFO
    • : Refinance and New Financing for Purchases
    • : $55MM
    • OrthoCarolina is the largest Orthopedic practice in North Carolina, with 111 providers, 25 locations and revenues of over $250MM. CMAC Partners was successful in restructuring OrthoCarolina’s existing $30MM real estate portfolio, creating improvements in the loan terms and a savings of over $2MM. In addition, OrthoCarolina has acquired several practices with existing real estate of over $25MM, in a relatively short time frame. While the practice is in the process of solidifying the integration of the new real estate, CMAC was able to secure financing proposals that covered 100% of the purchase price.
    • : www.orthocarolina.com
  • arkansasurology

    Arkansas Urology

    arkansas urology

  • Uro-Partners

    Uro Partners

    Uro Partners

  • Wisconsin-Institute

    Wisconsin Institute of Urology

    Wisconsin Institute of Urology

  • Orthopaedic-Associates

    Orthopaedic Associates of Wisconsin

    Orthopaedic Associates of Wisconsin

  • Physicians-Medical1

    Physicians Medical Center

    Physicians Medical Center

  • demi-Lewiston

    Lewiston Orthopaedics

    Lewiston Orthopaedics:

Client Experiences

“Thanks to the CMAC team for all your help.  This transaction was a bit arduous because there were so many moving parts and I appreciate your advice and counsel in helping us work through all the issues.”
 Glenn Sumner, CEOOrthoTennessee
“Thanks to the CMAC team for all your help. This transaction was a bit arduous because there were so many moving parts and I appreciate your advice and counsel in helping us work through all the issues.” Glenn Sumner, CEO
OrthoTennessee & OrthoForum
“Thanks, great job. Clearly see the value of your services.”
 Mike West, CEORothman Institute
“Thanks, great job. Clearly see the value of your services.” Mike West, CEO
Rothman Institute
“CMAC was incredible to work with. They were professional throughout the entire process.  Their efficiency and thoroughness was amazing. Every person I worked with exceeded my expectations.  I would not hesitate to use CMAC on future projects.”
 Kayo Elliot, CEOAthens Orthopedic Clinic
“CMAC was incredible to work with. They were professional throughout the entire process. Their efficiency and thoroughness was amazing. Every person I worked with exceeded my expectations. I would not hesitate to use CMAC on future projects.” Kayo Elliot, CEO
Athens Orthopedic Clinic
“I want to thank you and your team again for the results you’ve managed to achieve thus far with our refinance. The executive committee was very pleased with the proposals and it was an easy decision to move forward. I think our bank choices offer outstanding options for VEI. I don’t think we can go wrong with either one. Looking forward to next steps in the process."
 Brad Smith, CEOVirginia Eye Institute
“I want to thank you and your team again for the results you’ve managed to achieve thus far with our refinance. The executive committee was very pleased with the proposals and it was an easy decision to move forward. I think our bank choices offer outstanding options for VEI. I don’t think we can go wrong with either one. Looking forward to next steps in the process.” Brad Smith, CEO
Virginia Eye Institute

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