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

# Banking for Med Spas

Most med spas run on an MSO-PC structure from day one: a management company over a physician-owned practice. Lemma is the account you open in five minutes on day one and the one that adds a PC, a location, and a sweep as your brand grows, without ever switching banks.

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

## The bank you start with and scale a brand with

Open the management company and its first PC in minutes, then add an entity, a location, and an account each time the brand expands, all under one login.

### Built for the MSO-PC structure

Aesthetics needs a physician-owned PC under a management company. Each entity gets its own account number, statements, and FDIC coverage, and an automated cash sweep moves revenue into the MSO that runs the brand.

### Add a location without changing banks

Every new location or PC opens in minutes and lands in the same dashboard, with the sweep and reporting extended to it automatically. Scaling from one chair to a multi-site brand never means a bank migration.

### Prepaid packages and memberships tracked per site

Laser series, injectable memberships, and package plans are collected up front and tagged as deferred revenue, separable per location, and prepaid balances earn up to 1.75% APY while they wait to be redeemed.

### Free ACH and financing payouts in one ledger

Fund injectable and device inventory over free ACH, and reconcile CareCredit, Cherry, and PatientFi payouts net of fees, per entity, so unit economics stay clean as you add sites.

## From one chair to a multi-location brand

A med spa rarely stays a single company. Because injectables are a medical service, most operate as an MSO-PC from the start, a management company over a physician-owned practice, and the fastest-growing brands add a PC and a management-services line every time they open a location or enter a new state. The banking has to model that on day one and still fit when there are eight entities.

Lemma opens the management company and its first PC in a single sitting, then adds each new entity, location, and account as the brand scales, with an automated sweep pulling revenue up to the MSO and consolidated reporting across every site in one login. You never outgrow the account or migrate banks mid-expansion.

### MSO-PC from day one

The management company and each physician-owned PC get a dedicated account, statements, and FDIC coverage, so the structure your attorney set up is the structure your bank reflects.

### A new entity in minutes

Opening the next PC or location is a five-minute flow, not a branch appointment, so a signed lease never waits on the bank.

### Consolidated brand reporting

Every location and entity rolls up into one dashboard, so you read the brand's cash position and each site's margin without exporting anything.

## Med spa banking questions

**We are set up as an MSO-PC. Does Lemma support that?**

Yes. This is the structure Lemma is built for. The management company and each physician-owned PC get their own account number, statements, and FDIC coverage, with an automated cash sweep moving revenue into the MSO on a daily, weekly, or threshold schedule. Coverage runs to $10M per entity through the sweep network.

**We are opening more locations this year. Does each need a new bank?**

No. Each new location or PC opens in minutes and joins the same dashboard, and the sweep and reporting extend to it automatically. Scaling from one site to a brand never means migrating banks or reconciling across logins.

**We are almost entirely cash-pay. Why do we need healthcare banking?**

Because cash-pay is where a generic account is weakest. Package prepayments, membership drafts, financing payouts, and retail sales all land as card deposits, and Lemma tags each so you read the margin on treatments, memberships, and retail separately, per location. Prepaid balances earn up to 1.75% APY, not in a separate savings tier.

**Do CareCredit and Cherry payouts get matched automatically?**

Yes. Financing payouts are tagged to their source and reconciled net of platform fees, per entity, so financed revenue ties out without manual matching.

## Your bank doesn't know healthcare. Lemma does.

Free for a single entity, $50/month per entity for groups. Open in 5 minutes. It's the last bank switch you'll make. [Book a demo](https://calendly.com/d/ct72-djp-r7w) or [open a free account](https://app.getlemma.com/sign-up)