Working Capital for Mental Health & Counseling Practices
Mental health and counseling practices build recurring client relationships around weekly sessions, but insurance paneling and claims processing can leave therapists waiting weeks to get paid for care they already delivered. Working capital helps practices add clinicians, cover overhead, and open new office space.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so mental health & counseling practices never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. Getting credentialed and in-network with insurance panels can take months, and claims for sessions already held are often reimbursed weeks after the appointment.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. Therapists and counselors are typically paid per session or on a regular payroll schedule, independent of when the practice actually collects from insurance or clients.
One approval, draw what you need, and return for additional funding as your mental health & counseling practices business performs. No-shows and cancellations are common in behavioral health scheduling, which can leave open session slots that still carry the practice's fixed rent and staffing costs.
Bring on additional licensed therapists and counselors to reduce client wait times.
Cover payroll and rent while insurance paneling and claims reimbursement catch up.
Add therapy rooms or open a second office to serve more clients each week.
Yes, we fund solo counselors and group mental health practices alike, based on the practice's monthly revenue rather than the number of clinicians on staff.
Yes, many practices use working capital to cover payroll and rent while new clinicians go through insurance credentialing, which can take several months.
A US-based practice open at least six months with $10,000 or more in monthly revenue typically qualifies, based on your bank deposits rather than a hard credit pull.
Paz funds mental health & counseling practices from $2,500 to $5,000,000. Most mental health & counseling practices qualify for $10,000 - $100,000, based on monthly revenue and time in business rather than collateral.
A US business that has operated for at least six months with $10,000 or more in monthly revenue, your last three months of bank statements and your EIN. The application takes about five minutes, and there is no hard credit pull to get pre-qualified.
Mental Health & Counseling Practices funding, approved in as little as 24 hours