Each PC gets its own account, routing number, lockbox, and FDIC coverage. The MSO sees all of it in one place.
MSO Parent
$1,284,905.20
Consolidated across 3 entities
PC Dermatology
•• 4518
$412,900.10
PC Cardiology
•• 2290
$288,140.55
PC Orthopedics
•• 3347
$583,864.55
Three things traditional banks make you do by hand.
No new application, no new underwriting, no waiting on approval. Most groups have their full structure live in under an hour.
New entity
Ready in 5 minutes
Every entity has genuinely separate accounts and ledgers, so commingling risk disappears instead of being something you manage.
Segregated ledgers
PC Derm
$412.9K
PC Cardio
$288.1K
PC Ortho
$583.9K
Set a threshold once. Excess cash moves to the MSO daily while each PC keeps the minimum you set.
Sweep rule
Commercial •• 4518 → MSO •• 3347 when balance exceeds $25,000
$61,400.00
$1,284,905.20
Each entity is insured separately, then extended across our network of partner banks. Forty times the standard limit.
FDIC coverage
$250K
$10M
Standard
Lemma
Entity reconciliation, proof of funds, and intercompany transfer logs are produced automatically instead of at quarter end.
Entity reporting
Business Banking
An account per entity, opened in five minutes.
Lockbox
A separate lockbox address for every PC.
Remittance Reconciliation
Deposits matched to remittance automatically.
Lemma Capital
Working capital sized to your revenue.
Integrations
Connect your clearinghouse, EHR, and books.
Corporate Cards
Free virtual and physical cards for every entity.
Yes. Each PC runs independently while the MSO sees consolidated reporting across all of them.
Each entity is insured separately, then extended to $10M through our partner bank network.
Yes. Threshold-based rules run daily, including practice to practice transfers.
Separate ledgers per entity, with reconciliation reports flowing to QuickBooks and Bill.com.
Five minutes per entity. Most groups are fully live in under an hour.
Yes, so payer checks land in the right entity account automatically.