Tennessee Nephrology Associates aimed to refinance debt related to a partial ownership of a dialysis company, lock in low long-term rates, and improve cash flow. CMAC went out to over 20 different banks and ultimately presented six competitive proposals to the group, with some offered rates almost half as low as its current rate. Based on the analysis from CMAC, the nephrology group opted to go with a new bank that best suited the practice’s goals. CMAC was able to drop the group’s monthly payments to more than 20% lower than its current payments and reduce personal guarantees.