The Pinch Points
Why Behavioral Health Practices Come to Us for Capital
The engine is clinicians, not machines — and that’s exactly what banks misread. Every therapist you hire costs months of salary before the caseload fills, and the payers reimburse sixty days behind. Our lenders read what the group bills, not a roster. Sound familiar?
The Clinician Ahead of the Caseload
You hire a therapist to grow, but a new clinician is $6K–$12K a month in salary for the months it takes to fill a caseload — payroll out before the sessions bill.
Insurance Pays 45–60 Days After the Session
You provide the care and bill the payer, then wait — a growing group can have $30K–$70K in claims outstanding while every clinician’s salary is due.
The Office Build-Out
Adding clinicians means adding rooms — soundproofing, furnishing, the buildout — a $20K–$50K spend before the new offices generate a session.
The Platform Stack
Scaling means a real telehealth, scheduling, and billing platform — $10K–$30K to stand up, funded ahead of the volume it supports.
The Group-Model Ramp
Going from solo to group means front-desk, billing, and intake staff at $15K–$35K a month before the clinician roster — and the revenue — grows into it.
Buying In or Acquiring a Practice
Absorbing another practice’s caseload or a partner buy-in is a $100K–$300K move that won’t wait on a slow approval queue.
What an operator said
“We had a waitlist but nowhere to put new therapists. Financing the build-out and carrying two new clinicians’ first months let us actually meet the demand — the waitlist became revenue instead of referrals out.”
Dr. Brooks · behavioral health group · Denver, CO
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Behavioral Health Practices
Working Capital for the Clinician Ramp
Working capital carries a new therapist’s salary while their caseload fills.
A Line Against Insurance Receivables
A working line advances against payer claims so the group isn’t tight while it’s already booked.
Capital for the Office Build-Out
Working capital funds the soundproofing and buildout so new rooms earn from day one.
Revenue-Based Acquisition Capital
Absorb a practice or fund a buy-in on revenue-based, capital-stacked financing — on collections, not an SBA queue.
Match Your Situation
The Funding Gaps We Close for Behavioral Health Practices
Match your situation to the structure. Every one of these funds on your practice’s revenue and collections, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Low equipment, little to pledge as collateral | Revenue and collections underwriting; the group’s cash flow counts. | Working Capital | $75K–$5M+ | 1–3 days |
| Insurance pays 45–60 days after the session | A line advances against the claims you’ve earned. | Business LOC | $75K–$5M+ | 1–5 days |
| New clinicians cost salary before they bill | Working capital carries the ramp. | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Behavioral Health Financing Is Structured
Most behavioral health files fund between $75K and $5M+, structured to the clinician ramp, the build-out, or the reimbursement gap in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | Clinician ramp, office build-out | 1–3 days | Often unsecured, daily/weekly ACH |
| Business LOC | $75K–$5M+ | Revolving | Insurance-receivable timing | 1–5 days | Unsecured line, no PG by default |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Telehealth, assessment suite, AV | 3–7 days | Device serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Aging payer claims | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on Behavioral Health Equipment — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Behavioral health grows on people, not machines — the engine is clinicians, and that’s exactly what banks misread when they look for equipment to lend against. Every therapist you hire costs months of salary before their caseload fills, and the payers reimburse the sessions sixty days behind. We fund the ramp — the clinician runway, the build-out, the receivables gap — on what the group bills, with §179 on the telehealth and office setup as a footnote, not the headline. The capital that lets you hire the next clinician before, not after, the demand is there.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a mental health file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Mental & Behavioral Health Practice Financing
A Practice That Grows on People
A behavioral health practice grows by adding clinicians and space — but every therapist you hire and every office you build comes months before the filled caseload and the insurance reimbursements that pay for them. Banks look for equipment to lend against and find none, so they pass. We fund the ramp — the clinician runway, the build-out, the receivables gap — on what the group bills, and a working line advances against payer claims so the group isn’t tight while it’s already booked.
One Application, 70+ Lenders
Whether it’s working capital to carry a new clinician through the ramp, a line against your insurance receivables, or revenue-based capital to absorb a practice or fund a buy-in, we connect you with 70+ lenders who fund medical practices every week. Working capital, lines of credit, equipment financing, and receivables advances — $75K to $5M+, on your collections, with §179 writing off qualifying equipment the year it’s placed in service. One application, soft-pull review to start.
Common Questions
Mental Health Financing — Questions, Answered
Yes — financing is revenue-based on the group’s collections.
Yes — a working line advances against payer receivables.
Yes — that’s the core use for a growing group.
A signed application plus four months of bank statements, a P&L, a balance sheet, and two years of returns. If recent years show losses, the specialist desk can underwrite on four months of bank statements.
Yes — it’s structured revenue-based and capital-stacked on collections, not as an SBA 7(a) loan.
Recommended Funding
The Products That Fit Mental Health Work
Working Capital Loans →
Carry a new clinician’s salary while the caseload fills and fund the build-out.
Business Line of Credit →
Draw against payer receivables so the group isn’t tight while it’s booked.
Equipment Financing →
Finance the telehealth platform and assessment suite — §179 included.
Invoice Factoring →
Advance against aging payer claims instead of waiting on the carrier.
Explore by specialty