> [llms.txt](https://getlemma.com/llms.txt) # Urgent care banking: built for multi-location from day one Urgent care does not stay solo. Every successful clinic that hits the demand inflection point, the kind covered in our guide to [banking for urgent care centers](/provider-guides/best-banking-for-urgent-care-centers), opens a second location within 18 months, then a third. Patient volume per location is high. Margins are tight. Daily cash mix is roughly a third commercial insurance, a third Medicare and Medicaid, and a third patient pay. By location three, your CFO is reconciling deposits across three banks because no one set up a structure that scales. There is a faster way. ## Urgent care's daily cash looks like no other specialty A typical urgent care location processes 60 to 150 patient encounters a day: - Walk-in copays at the front desk: cash, credit card, FSA, HSA. - Commercial payer ACH for billed claims: typically lands 14 to 45 days later. - Medicare and Medicaid ACH: usually 14 to 30 days for Medicare, 30 to 90 days for some Medicaid plans. - Workers comp and auto insurance: variable, often slow. - Occupational health contracts (employer-paid): monthly invoicing. Multiply that by three locations, then five, then ten, and you are running a high-volume retail-like business with insurance billing on top. A standard business checking account at a regional bank does not handle this gracefully. ## A banking structure that scales with the group Most urgent care MSOs end up adopting [a banking setup designed for MSO and PC entities](/mso-banking) that looks like: - MSO root operating account. - PC root operating account, per PC. - Virtual account per location: copay and patient-pay. - Virtual account per location: commercial insurance receipts. - Virtual account per location: Medicare and Medicaid receipts. - Virtual account: workers comp and auto. - Virtual account: occupational health contracts. - Virtual account: shared services (RCM, marketing, IT, supply chain). - Virtual account: payroll reserve, per PC. Per-location splits are the difference. Without them, you cannot answer "how is location three doing this month?" until 60 days after month-end. ## The multi-location onboarding trap The slowest part of opening a new urgent care location is not the buildout. It is the banking. A traditional bank opening a new account for a new PC under your MSO can take 7 to 15 days per entity, with separate KYC, separate document review, and separate compliance approvals. Five locations at 2 weeks each is 10 weeks of your life you do not get back. Lemma onboards the new PC in 5 to 10 days as part of a multi-entity structure, with shared documentation and a single compliance review covering the group. That alone moves opening day forward by a month for groups doing fast rollouts. ## How money should move across locations Money flows in an urgent care MSO are predictable enough to automate: - Daily sweeps from each location's operating account to the MSO reserve. - Monthly MSO management fee from each PC, documented to support the management agreement. - Per-location capex transfers (new equipment, X-ray, signage refresh). - Quarterly distributions from each PC to its owners. ACH between accounts is $0 inside Lemma. Wires are $15 flat. Operating cash earns up to 1.75% APY across the structure. FDIC coverage runs up to $10M per entity through the IntraFi sweep network, which matters when end-of-quarter payer settlements land in operating accounts at the same time. ## Lock down access by role A multi-location urgent care MSO has more stakeholders than a typical practice: - Site managers: full visibility of their location, transfers up to a daily cap. - Regional managers: full visibility across their cluster. - MSO CFO: full visibility everywhere. - RCM lead: read access to all payer-receipt virtual accounts. - Owners: read-only at the MSO level. PIN plus password, RFID badge, mobile MFA, and audit logging give you the access trail without a separate IAM project. ## When the structure pays for itself At one location, you can run on a simple business checking account and a spreadsheet. At three or more, you need [urgent care banking built for multiple locations](/urgent-care), not a spreadsheet stretched past its limits. The structure pays for itself the first time you can answer location-level profitability without a manual close, the first time you open a new location in 5 to 10 days instead of three to six weeks, and the first audit cycle where your auditor does not ask for a custom export. ## Your bank doesn't know healthcare. Lemma does. Lemma is business banking for healthcare practices, MSOs, DSOs, and multi-entity groups: free ACH, up to 1.75% APY, $10M FDIC protection, entity management, cash sweeps, and an AI-powered lockbox that digitizes checks and EOBs on arrival. Free for a single entity, $50/month per entity for groups. Open in 5 minutes. It's the last bank switch you'll make. [Sign up](https://app.getlemma.com/sign-up) [Book a demo](https://calendly.com/d/ct72-djp-r7w) [Pricing](https://getlemma.com/pricing)