Mental Health financing
Every new clinician is paid months before they can bill.
Growing a group practice means hiring therapists who can't bill insurance until each panel credentials them — often three to six months of payroll ahead of collectible revenue, with no equipment to pledge.
The financing reality
Your money moves on a cycle. So should your capital.
Carrying a new clinician through credentialing runs roughly $20,000–$30,000 in payroll.
A typical situation, not a quote.
What usually fits
Top financing for mental health.
Three products that match this industry's cash-flow pattern — with the honest reason for each.
Business Line of Credit
Cover payroll through each new clinician's credentialing wait.
- Approval range
- $10K – $2M
Term Loans
A defined raise to add offices and hires as the group grows.
- Approval range
- $25K – $10M
0% APR Business Credit Cards
Interest-free runway for strong-credit practice owners.
- Approval range
- Up to $250K
Healthcare
Related industries
Mental Health financing
Capital that fits how you actually get paid.
Tell us about your business once. One advisor maps your cash-flow cycle to the right partners — and shows the true cost of every option.