This Is Why You're Here
Why Mental Healths Come to Us Instead of Their Bank
You have a 6-week waitlist and need to hire 2 licensed therapists. Recruiting, credentialing, and furnishing new offices cost $30K. Revenue from new patients won't hit for 90 days.
You're adding telehealth across your practice — HIPAA-compliant platform, cameras, soundproofing, and staff training total $25K. This is the future of your practice but the investment is now.
Your group practice outgrew its space. A larger suite in a medical building is available — build-out is $60K including therapy rooms, a group room, and reception.
Insurance panels are paying 90 days out and you just onboarded three new therapists who can't bill yet. Payroll is $21K a month for those three alone and you need $45K to cover the ramp before they're generating revenue.
You want to launch an intensive outpatient program for anxiety disorders. Licensing, group room build-out, curriculum development, and marketing cost $38K. Your current space can handle it but the startup costs are all upfront.
We had a 6-week waitlist and needed $30K to hire two therapists and furnish new offices. Basecamp funded us in 48 hours. Those two hires added $22K a month in revenue within 90 days.
Sarah K., Licensed Clinical Social Worker, Portland, OR
Mental Health Financing
Get Your Mental Health Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Mental Health Businesses Choose Basecamp
We Fund the Credentialing Gap
New therapists can't bill insurance for 60-90 days after hire. That's $21K in salary before a dollar comes back. We fund that gap so you can hire now, not 3 months from now.
Telehealth Build-Outs in Days
HIPAA-compliant platforms, cameras, soundproofing — $15K-$25K to do it right. Telehealth lets you see patients across the state. We fund the tech so you can scale without more office space.
Office Expansion for Group Practices
Outgrowing your space means losing patients. A bigger suite with therapy rooms, a group room, and reception costs $40K-$60K. We fund the build-out before the waitlist gets longer.
Insurance Panel Delays Don't Stop Us
Getting on insurance panels takes months. Your revenue lags behind your patient demand. Working capital bridges the gap between growing your practice and getting paid for it.
Bobby's Take
Bobby's Playbook for Mental Health
Most mental health practice owners are evaluated by banks the same way a retail shop is — top-line revenue, profit margin, two years of returns. What banks miss is that private-pay therapy revenue plus in-network telehealth and insurance-billing mix generates predictable cash flow that doesn't show up in P&L the way bankers expect. The specialists who fund mental health practices know to read your private-pay attach rate and clinician-utilization profile. Here's how to position your transaction so the right lenders see it first.
Three things determine whether a mental health transaction closes: clinician productivity, payer mix and average reimbursement per session, and private-pay revenue percentage. Not your personal FICO. Not your years in practice. Specialist mental health lenders care about whether monthly session revenue supports a $1,500-$3,000/month payment — and whether private-pay penetration insulates the file from insurance-billing aging that drags general-medical underwriting.
The biggest mistake mental health operators make: applying with revenue blended across insurance billing and private-pay sessions. The lender sees A/R aging out 60-90 days on insurance and prices to the slow side. The fix: separate private-pay session revenue from insurance receivables. Specialist mental health lenders price private-pay revenue as cash-equivalent and recurring. Generalist lenders apply general-medical aging assumptions to everything.
session revenue lost without clinician capacity
Where this gets interesting at scale: a mental health practice adding a TMS or ketamine program, expanding to a second location, or hiring W-2 clinicians doesn't need ONE loan. They need equipment financing for the new modality + a working capital line for clinician credentialing-period payroll + a revenue-based term loan against existing session revenue to fund a second-location lease. Three products, three lenders, one application — that's how solo mental health practices scale into multi-clinician group practices.
The mental health operators who scale fastest aren't the ones who waited until panel-paneling was perfect. They're the ones who had office space and clinician hires ready when local demand outpaced their existing capacity. Every quarter you delay adding a clinician or program is $20,000-$50,000 in monthly incremental session revenue you don't capture. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your mental health practice this week.
Bottom line:
Mental health practices get underwritten on insurance aging when private-pay sessions are cash-equivalent. Separate the channels and a specialist prices the private-pay base as the recurring revenue it is.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Mental Healths Face
Pricing Transparency
What Mental Health Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Mental Healths
Finance the equipment. Keep your cash. Take the deduction. Your office buildout/soundproofing costs $22,750 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your practice, specialty, and monthly receipts. No HIPAA-sensitive uploads.
Soft Credit Screen
We screen options with no impact on personal FICO or practice commercial credit.
Healthcare-Specialty Lenders Compete
70+ lenders who fund dentists, primary care, vets, and specialty practices review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through equipment finance, working capital, and SBA structures with full transparency.
Choose Your Offer, Sign, Get Funded
E-signature. Capital lands in time to install equipment, hire staff, or cover the insurance reimbursement gap.
Mental Health Capital Uses
What Mental Health Businesses Use Funding For
Practice Acquisition
Buy an existing practice. Dental, medical, vet, chiropractic. Term loans + equipment financing + working capital stacked. Revenue-based underwriting through 70+ specialty lenders.
Medical Equipment
Lasers, imaging machines, dental chairs, surgical tools. Equipment financing with the device as collateral.
Payroll & Staffing
Cover payroll during reimbursement delays. Hire hygienists, techs, front desk staff. Retain your best people.
Buildout & Renovation
New exam rooms, waiting room remodel, second location buildout. Create the space your patients deserve.
Technology & EHR
Electronic health records, practice management, telehealth platforms, patient portals.
Marketing & Growth
Google Ads, patient acquisition, website redesign, reputation management. Fill your schedule.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your mental health business?
Practice insurance — malpractice, general liability, property — is required before most equipment financing closes. InsuranceService365.com covers healthcare practices across 29 states.
Don't Wait Until You Need Funding to Get Funded
Insurance reimbursement runs 30-60 days behind the procedure. The practices that grow steadily are the ones that pre-qualified BEFORE they needed to bridge the gap. By the time payroll is tight or the imaging machine is past warranty, underwriting is harder. Pre-qualify when the schedule is full — that's when lenders are most generous.
Ready?
See What Your Mental Health Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Healthcare Practices Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Mental Health Businesses
Working Capital
Bridge insurance reimbursement delays. Funded in 24 hours.
Learn More →Equipment Financing
Finance imaging, chairs, and medical devices — asset-backed rates.
Learn More →SBA Loans
Practice acquisition, buildout, and expansion at government-backed rates.
Learn More →Business Line of Credit
Revolving access for supplies, staffing, and operational expenses.
Learn More →FAQs
Mental Health Business Loan FAQs
Mental Health Practice Loans & Therapy Business Financing — $10K to $20M+
Mental health has a scaling problem nobody talks about. Demand is through the roof — 6-week waitlists are normal. But every new therapist you hire costs $30K upfront. Recruiting, credentialing, furnishing an office, paying salary for 90 days before insurance panels kick in. That's real money. And your waitlist grows another week while you figure out how to pay for it.
Here's what I tell every group practice owner — you're leaving $15K-$22K a month on the table for every therapist you don't hire. We funded a practice in Portland $30K in 48 hours. Two new hires. They added $22K a month within 90 days. Telehealth build-outs, HIPAA-compliant platforms, bigger office space — we fund all of it. Your patients are waiting. Literally. Fill out the app.
Stop Watching Reimbursement Lag Drain Your Reserves. Get Your Mental Health Practice Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide