> [llms.txt](https://getlemma.com/llms.txt)

# Credit that reads your deposits

Working capital sized to what your practice actually collects. No personal guarantee, no branch visit, funded in 48 hours.

[Book a demo](https://calendly.com/d/ct72-djp-r7w)

## Underwriting without the paperwork

Three things that change when your bank already sees your revenue.

### We already see the revenue

Your payer deposits flow through Lemma, so pre-qualification runs on real collections instead of three years of tax returns.

### Priced for how healthcare actually pays

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.

### Approved Monday, funded Wednesday

Two days from approval to money in the Lemma account your practice already runs on.

## No personal guarantee

We underwrite the practice, not your house. Your personal balance sheet stays out of it entirely.

## Cleaner data, better terms

The more of your revenue cycle runs through Lemma, the sharper your collections picture and the better we can price.

## Frequently asked questions

**Do I need a personal guarantee?**

No. We underwrite against practice revenue, not your personal assets.

**How fast can I get funded?**

48 hours from approval, straight into your Lemma account.

**Do I have to bank with Lemma?**

Yes. Underwriting uses your Lemma banking data, which is what makes it this fast.

**What can I use the funds for?**

Working capital, payroll timing, equipment, buildouts, acquisitions, and payer delays.

**How do you decide my rate and limit?**

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.

**Does applying affect my accounts?**

No. Your banking stays exactly as it is either way.

## The rest of the platform

- [Business Banking](/business-banking) — An account per entity, opened in five minutes.
- [Lockbox](/lockbox) — Checks and EOBs, scanned and posted same day.
- [Remittance Reconciliation](/remittance-reconciliation) — Deposits matched to remittance automatically.
- [MSO-PC Banking](/mso-pc-banking) — Purpose built for multi-entity practice structures.
- **Integrations** — Connect your clearinghouse, EHR, and books.
- [Corporate Cards](/cards) — Free virtual and physical debit cards with custom limits.

## See what your revenue qualifies for

Pre-qualification uses data you already have with us.

[Book a demo](https://calendly.com/d/ct72-djp-r7w) or [open a free account](https://app.getlemma.com/sign-up)

Rates and limits shown are illustrative and subject to underwriting.