A margin diagnostic
in ten checks.

Type figures off statements you already have. In ten minutes, the Marginr engine benchmarks your practice against sourced reference bands — anonymously, no account, never patient data — and hands you a report most consultants invoice thousands for.

Type figures off statements you already have. In ten minutes, the Marginr engine hands you a report most consultants invoice thousands for.

Start the free check See how it works

Free — no account No identity or patient data requested Never patient data

Sample findings
Effective merchant rate3.1%
Band 2.5–2.7% · above band≈ $6,200 / yr
Real overhead68%
Band 60–75% · within band—
Supply share of collections7.4%
Band 4–6% · above band≈ $9,800 / yr
Indicative recoverable margin ≈ $16,000 / yr
Supply price creep 7.4% of collections · ≈ $9,800/yr detected
Overhead 68% within the 60–75% band
Finance research at emlyon — built on published margin research
Published methodology — the self-audit is public, nothing is a black box
Every band shows its source — cited in your report, line by line

What ten minutes buys you

The work a consultant invoices.
Yours free, in ten minutes.

The free check isn't a teaser or a trial. It's the full computation — the same engine that powers the Full Margin Audit, pointed at your numbers.

Fractional CFOOngoing margin oversight $3,000 / mo
Margin consultantOne review, weeks of back-and-forth $2,000+
Your accountantFiles what happened — never reads it this way —
The Marginr checkTen checks, sourced bands, leak dollars, write-up Free
Free · No account · Anonymous

Everything the free check hands you

  • Ten margin checks, computed — from figures you type off your own statements
  • Sourced reference bands — every band cites where it comes from
  • Your leak profile — where the practice bleeds, across all ten checks
  • Indicative dollars per leak — computed from your figures, not industry averages
  • The three fastest calls to make — the fixes that pay back first
  • A write-up for your office manager — plain language, ready to act on

Why free? The check runs on the same engine that powers the Full Margin Audit. If you ever want the numbers read by hand, you'll know where to find us.

How the walk works

Ten minutes. Four steps.
No homework, no black box.

11 min

Open four documents

A merchant statement, one month of bank statements, three comparable crown invoices, last year's P&L. Missing one? Fine.

Merchant stmtBank stmt3 invoicesP&L
27 min

Type as you go

Ten checks, one per screen. Each names the exact line to copy — the engine does the rest.

$ 1,800,000
3Instant

Watch the dashboard assemble

Bands, flags and leak dollars build figure by figure — every one traceable to a number you typed.

4Same day

Read the findings

Your leak profile and the three fastest calls, written up for your office manager. Act on it today.

Findings report
10 checks · 3 leaks flagged

The engine

Paul-Matthieu Castro

Paul-Matthieu Castro

The person behind the engine

Paul-Matthieu ran his own marketing agency for three years — reading P&Ls, chasing cost leaks, defending margins — before joining Raiffeisen Bank International's corporate & investment bank in Vienna, where he worked on financing mandates exceeding €500M. Now completing a Master's in Management and Finance at emlyon, he built Marginr so independent dental groups can read their numbers the way a bank would. Every band is sourced — and the final read is done by hand.

emlyon business schoolemlyon business schoolMaster's in Management and Finance Raiffeisen Bank InternationalRaiffeisen Bank InternationalCorporate & investment banking AdVanguardAdVanguardFounder & CEO, 2022–2025
4.0 GPA at emlyon €500M+ mandates at Raiffeisen CIB 3 years running his own agency French · English · Italian

The ten checks

The list is not a secret.

The questions have been public since we published the self-audit. What you get is the computation, the sourced bands, and the write-up.

Real overhead percentage

Everyone manages production. Fewer owners can say what share of collections the practice spends to run itself.

Effective merchant rate

Almost nobody reads the effective rate — only the headline rate they signed years ago.

Lab fee variance

Three comparable crown invoices, three different prices. The spread is the story.

Supply cost drift

Supply spend creeps a point a year when nobody is watching the share of collections.

Software count

Subscriptions accumulate. Most groups pay for tools nobody opens anymore.

Unexplained recurring charges

The line items on the bank statement nobody can name out loud.

Production-to-collections gap

Work done is not cash in. The gap between the two is pure leak.

Aged receivables

Cash earned months ago, still sitting uncollected — and costing you to wait on.

Staff cost ratio

The largest single line of overhead, and the least often benchmarked.

Equipment and financing

What the practice pays to carry its leases and loans, read against its cost of capital.

Ten minutes to your real numbers.

Free. Anonymous. No account. The same engine that powers the Full Margin Audit — pointed at your practice.

Start the free check

You'll wonder why this is free. That's the point.