Free Tool · For MDs & Chiros

Hold vs. Sell Lien Calculator

Lien buyers count on you not doing this math. Do the math.

Face value of the liens ($) Buyer's offer (% of face) Your realistic collection rate on these liens (%) Expected months until collection Your cost of capital / urgency (%/yr) — what cash today is worth to you

Hold vs. Sell

Sell Now (cash today)—

Hold — Expected Collection—

Hold — Value in Today's Dollars—

Advantage—

Educational estimate only — not financial, tax, or legal advice.