The company that taught LOUDhow to build companies.
Dr. Navin Goyal set out to get anesthesia to children who'd been waiting a year for care. Building OFFOR Health — through every cliff, pivot, and raise — revealed what founders actually need to survive and scale. That lesson became LOUD Collective.
A one-year wait for a child's toothache.
For decades, the dental and medical worlds barely spoke. Anesthesia — the thing that lets a frightened child safely get dental work done — was locked inside hospital operating rooms. For kids on Medicaid, that meant waits of 12 to 18 months for a procedure that takes an afternoon.
Dr. Navin Goyal was a decade into anesthesiology at a large hospital when dentists came to him with a problem: an anesthesia shortage was leaving their patients stranded. He saw both the clinical fix and the business one — bring the specialist, the equipment, and hospital-grade safety to the dental office, meeting families where they already were. In 2014 he co-founded what became OFFOR Health (operating as SmileMD).
The early model was simple private-pay sedation. The hard, world-changing version — serving Medicaid kids at scale, across state lines, with insurance behind it — would demand capital, technology, leadership, and a level of resilience no founder has on day one. Navin didn't try to do it alone.
- ◇ A clinician-founder shifting from "medical tunnel vision" to entrepreneur.
- ◇ A private-pay "lifestyle business," not yet a scalable platform.
- ◇ A massive access gap — but heavy legal, regulatory, and safety demands.
- ◇ No playbook for turning a clinical insight into a multi-state company.
Not a check. An operating system for growth.
Most founders get money, then get left alone. What carried OFFOR Health was different — a business-building ecosystem where capital, hands-on leadership, and mindset showed up together. This is the model LOUD later formalized as LOUD Collective: "growth beyond capital."
Capital + a live network
Through LOUD, Navin plugged into a network of 80+ portfolio companies, absorbed hard-won knowledge, and borrowed the LOUD office's marketing muscle while running SmileMD full-time. Capital with a community moves faster.
Fractional leadership
As growth outpaced the org chart, OFFOR brought in fractional executives from Infinite CXO — most pivotally a tactical CFO — to carry the operational load a scaling company suddenly generates. Seasoned C-suite talent, exactly when needed.
Mindset for the cliffs
Every company hits "cliffs" — failure points founders are too deep to see coming. LOUD's role was the outside perspective and the reframe: treat a forced pivot as experimentation, and solve the who before the what.
From a co-working closet to a national platform.
The arc from private-pay side hustle to an acquired healthcare company took a decade — and the ecosystem showed up at every turn.
THE SHORTAGE, AND THE SPARK
Dentists surface an anesthesia shortage; Navin builds a private-pay sedation model for dental offices. In August 2015, Ryan Retcher joins to run operations and finance — out of a co-working space packed with medical equipment — standing up basic financial structures and collections.
BUILDING INSIDE AN ECOSYSTEM
Navin's dual life at LOUD Capital becomes an unfair advantage: a "kid in a candy store," he absorbs venture know-how, taps the portfolio network, raises capital, and brings his team into the LOUD office for marketing support — all while running SmileMD.
THE PIVOT THAT CHANGED EVERYTHING
The insurer CareSource asks OFFOR to solve access in the pediatric dental space. An 18-month effort to create a new billing code flips the company from a lifestyle business into a scalable, nationwide, insurance-backed model — held to hospital-grade care standards.
TECHNOLOGY TO SCALE
Scaling logistics, supply, and a mobile clinical workforce demands proprietary technology. A seed raise funds the platform, and the team builds toward multi-state operations as insurers begin seeking OFFOR out.
SERIES A IN THE STORM
Mid-pandemic, LOUD participates in OFFOR's Series A round, alongside strategic healthcare investors - proof that mission and margin can raise together - still with a long climb ahead.
THE FRACTIONAL CFO THAT SPARKED A FIRM
As growth accelerated, OFFOR partnered with Infinite CXO and brought in fractional CFO Chris Pugh — an operational, tactical finance leader who relieved CEO Gary Schafer and the team of the administrative weight of scaling. Watching embedded fractional leadership transform a company planted a seed: this should exist for every founder.
FIVE STATES, TENS OF THOUSANDS OF KIDS
OFFOR expands across Ohio, Tennessee, Illinois, Pennsylvania, and Kentucky — bringing specialists into communities and collapsing the wait for care from 12–18 months to about one. The platform treats roughly 15,000 children in its biggest year.
LOUD COLLECTIVE IS BORN
LOUD Capital acquires Infinite CXO to launch LOUD Collective — a business-value ecosystem pairing capital with on-demand fractional C-suites and the LOUD Lift leadership program. Aaron Boggs becomes CEO. The lesson of OFFOR becomes a repeatable model.
THE EXIT
Dallas healthcare private-equity firm Havencrest Capital Management acquires OFFOR Health — a liquidity milestone that validates a decade of building, and a platform positioned to reach far more children.
Two returns from one decade.
The ecosystem produced the outcome every investor wants — and one they rarely plan for: it changed how LOUD builds every company that came after.
Children treated across the platform — with the wait for pediatric dental care cut from a year-plus down to roughly a month by bringing specialists into local communities.
From no reimbursement pathway to scaling across 5 states with 19 payor contracts and an acquisition by Havencrest Capital.
The fractional-leadership lesson from OFFOR — via Infinite CXO — became a whole firm, so the next founder doesn't have to learn it the hard way.
Growth beyond capital
Money alone doesn't clear a regulatory maze, build a tech platform, or steer a company off a cliff. An ecosystem does — capital, fractional leadership, and outside perspective, arriving together. That combination turned a co-working-closet idea into a national platform.
The "who" solves the "what"
Navin's hardest lessons weren't about the product — they were about people: the right CEO, the right CFO, the right investors. Solve the "who," and the "what" tends to follow. Ego picks the check; wisdom picks the partner.
You were never meant to build alone.
OFFOR succeeded not because its founder had every answer, but because he plugged into a system built to supply what he was missing, exactly when he needed it. That system is now something you can join — LOUD Collective, the growth partner OFFOR discovered, assembled for founders from inception to exit.
Capital
Early-stage investment and access to a network of 80+ portfolio companies.
Fractional C-Suite
On-demand CFO, CMO, CRO, and CXO leadership through Infinite CXO — seasoned talent when you need it.
LOUD Lift
EOS implementation, transformation workshops, and executive coaching to align your team.
The Ecosystem
Marketing, operations, and a community of builders who've walked the cliffs before you.
The right partner is already standing there.
Capital, leadership, and the hard-won lessons of a hundred builds — LOUD Collective is the growth partner OFFOR Health found. It's built for you, too.
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