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The free margin check

Two questions first

They set the frame for every check that follows. Nothing here identifies the practice — no name, no address, no patient data.

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Typed once — it pre-fills four of the ten checks.

Ten checks, one per screen. Each names the exact line to copy from a document you already have. About ten minutes — then the engine does the rest.

Check 1 · Structure

Real overhead percentage

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

Where it lives: last full year's P&L — total collections and total overhead. Two lines, same column.
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Missing a document is fine. "I don't have this number" is a real answer — the report treats what you can't state as a finding in itself.

Check 2 · Vendors

Effective merchant rate

Card fees are the one vendor rate almost nobody negotiates — because almost nobody computes it.

Where it lives: one merchant services statement — total fees charged and total card volume, same month.
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Check 3 · Vendors

Lab fee variance

Same crown, three invoices, three prices. The spread tells you whether your lab spend is managed — or assumed.

Where it lives: three comparable crown invoices — the unit-cost line on each. Two are enough to compute.
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+Optional — sharpens the dollar estimate
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Check 4 · Vendors

Supply cost drift

Supplies creep. The only way to see it is as a share of collections — now, and against two years ago.

Where it lives: supply spend and collections, trailing twelve months — plus the same pair from two years ago if you have it.
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+Optional — the same pair from two years ago
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Check 5 · Recurring spend

Software count

Subscriptions accumulate quietly. Count them once — the annual total usually surprises.

Where it lives: your card or bank statement — every recurring software charge on it.
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Check 6 · Recurring spend

Unexplained recurring charges

Scroll last month's statement. Anything you can't immediately name belongs in this box.

Where it lives: the same statement — the recurring lines you'd have to look up to explain.
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Check 7 · Collections

Production-to-collections gap

What you produce and what you collect are two different numbers. The gap between them is where margin hides.

Where it lives: your PMS production report, trailing twelve months — adjusted production if your PMS reports it.
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Check 8 · Collections

Aged receivables

Money owed past 90 days rarely comes back on its own. Weighed against one month of production, it has a size.

Where it lives: your A/R aging report — the over-90 bucket — and one month of production.
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+Optional — unresolved insurance claims

Check 9 · Structure

Staff cost ratio

The biggest cost block in the practice — judged against production, never against headcount.

Where it lives: your payroll summary, trailing twelve months — all staff cost including taxes and benefits, excluding dentists.
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Check 10 · Structure

Equipment and financing

Leases and loans outlive the equipment they bought. List them once — the auto-renewals are the finding.

Where it lives: your loan and lease statements — one line per item, names are enough.

No computation here — the count itself is the finding. Your dashboard carries it forward.

The ten checks

That's all of it.

The Marginr engine assembles your dashboard — every band, flag and dollar traceable to a number you typed.

0 of 10 checks answered 0 couldn't-state answers
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