2025 - Strategic Refinance Fixed at 4.85% Unlocks $7MM in Cash & Lowers Partner Buy-ins

A South Carolina GI group approached CMAC Partners to conduct an analysis in support of its buy-in and buyout strategy. With some physicians considering a potential sale of the real estate, the group wanted a comprehensive evaluation of its current portfolio and available options. The resulting analysis helped the group enhance returns, buy out a partner, and significantly reduce the buy-in for new physician partners. Although the group already had favorable terms with its incumbent lender, CMAC successfully negotiated an extension of the loan term by six years and secured nearly $7 million in cash out—all without changing lenders.

All four of the practice’s properties were fixed at 4.85% for 10 years, with no personal guarantees. By leveraging strong existing relationships and market expertise, CMAC delivered a strategic solution that improved liquidity, supported succession planning, and locked in long-term stability. A win-win for both the practice and its incumbent lender.