Working capital sized to what your practice actually collects. No personal guarantee, no branch visit, funded in 48 hours.
Pre-qualified
$0
Revenue line, sized on 12 months of collections
48 hour funding
Three things that change when your bank already sees your revenue.
Your payer deposits flow through Lemma, so pre-qualification runs on real collections instead of three years of tax returns.
Collections
A revenue-based line, equipment financing, or a bridge loan, each priced with competitive rates because we understand healthcare and how to underwrite it, unlike a traditional bank.
How we price
Traditional bank
Generic credit model
Lemma
Underwrites healthcare revenue
Competitive rates, revenue line, equipment, or bridge
Two days from approval to money in the Lemma account your practice already runs on.
Funding
48h end to end
We underwrite the practice, not your house. Your personal balance sheet stays out of it entirely.
What we underwrite
Traditional lender
Personal guarantee required
Lemma
Practice revenue only
The more of your revenue cycle runs through Lemma, the sharper your collections picture and the better we can price.
Collections picture
Data completeness
92%
Business Banking
An account per entity, opened in five minutes.
Lockbox
Checks and EOBs, scanned and posted same day.
Remittance Reconciliation
Deposits matched to remittance automatically.
MSO-PC Banking
Purpose built for multi-entity practice structures.
Integrations
Connect your clearinghouse, EHR, and books.
Corporate Cards
Free virtual and physical cards for every entity.
No. We underwrite against practice revenue, not your personal assets.
48 hours from approval, straight into your Lemma account.
Yes. Underwriting uses your Lemma banking data, which is what makes it this fast.
Working capital, payroll timing, equipment, buildouts, acquisitions, and payer delays.
On your practice's real collections, not a generic credit model. Because we underwrite healthcare directly, we offer more competitive rates than a traditional bank.
No. Your banking stays exactly as it is either way.
Rates and limits shown are illustrative and subject to underwriting.