INDUSTRY SOLUTIONS
Funding for Behavioral Health Providers
Your schedule is full and your waitlist is growing, but the insurer still hasn't paid for care you delivered weeks ago. Payroll is due every two weeks regardless. We give behavioral health and addiction treatment providers fast, flexible working capital so a slow, denial-heavy reimbursement cycle never forces you to turn patients away.
Soft credit pull, won't affect your score. No obligation.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Payroll, expansion, denials & more
THE CHALLENGE
More Demand Than Ever, and Cash Still Tight
Demand for behavioral health has never been higher, in 2024, behavioral health visits outnumbered primary care visits for the first time (Trilliant Health), and most psychologists report no openings for new patients. Yet a practice can be fully booked and still come up short, because clinician payroll commonly runs half to two-thirds of revenue and is due every two weeks, while reimbursement is slow, denied more often than most specialties, and paid at lower rates. In the Federal Reserve's 2025 Small Business Credit Survey, the most common reason firms sought financing was simply to cover operating expenses. Here's where the cash gets stuck.
Payroll is due every two weeks. Reimbursement takes months.
Your largest cost is people, and people are paid on a fixed cycle. Collections are anything but fixed: commercial claims can take 30 to 120 days, Medicaid's prompt-pay rule still allows up to 90 days to pay 99 percent of clean claims, and a single counselor at the median wage of about $59,190 a year (Bureau of Labor Statistics, 2024), or a psychiatrist at several times that, has to be paid long before the claims behind that work convert to cash. You're financing payer float out of your own operating account.
Behavioral health is paid less, and denied more
This is what sets the field apart. Average in-network reimbursement for behavioral health office visits runs about 102.5 percent of Medicare, versus 124.8 percent for medical and surgical visits, and patients are forced out of network 3.5 times as often (RTI International, 2024). Medicaid pays psychiatrists about 81 percent of the Medicare rate (Health Affairs). On the claims that do go through insurance, roughly one in five in-network claims were denied in 2024 (KFF), with behavioral health at the high end. Lower rates and more denials are the same working-capital problem from two directions.
An authorization isn't payment, and it can be taken back
Prior authorization is relentless: practices complete dozens per physician each week and spend hours on it, and a large share are often or always denied (American Medical Association). For higher levels of care like IOP, PHP, and residential, an authorization granted up front can be reversed on concurrent review after the care is delivered, and retroactive clawbacks can land without warning and offset future payments. Even a modest take-back can put a payroll at risk.
Growing to meet demand costs cash before it earns it
The waitlist is there, but capturing it takes money up front. Adding a clinician, opening a new level of care, or launching a new site means staffing, licensure, build-out, and accreditation spending well before the first claim is billed, and new clinicians and programs often face a months-long credentialing runway before they can bill at all. Profitable demand can still leave you cash-negative during the ramp.
A policy shift or a denial wave can freeze your cash overnight
Behavioral health cash flow is exposed to sudden shocks: a denial wave, a clearinghouse outage, a credentialing lapse, or a policy change. When Medicare telehealth flexibilities briefly lapsed during a 2025 government shutdown, some providers saw reimbursement freeze with no notice. And just when capital matters most, many lenders are wary of behavioral health, and warier still of addiction treatment, leaving owners without a fast option.
Bank underwriting leans on strong credit and years of history, hard to satisfy when the need is a denial-driven gap or a credentialing bridge, and some lenders avoid this space entirely. Healthcare AR factoring can help, but behavioral receivables are messy, with denials, patient balances, and government claims complicating the funding base. What's left is what we do: working capital funded in days, from a funder comfortable with behavioral health and addiction treatment.
How Behavioral Health Practices Use Our Funding
Make Payroll on Time
Keep clinicians paid every cycle while claims sit in AR, get denied, or wait on prior authorization for weeks.
Recruit & Retain Clinicians
Fund sign-on bonuses and competitive pay to hold your team against PE-backed platforms in a deep clinician shortage.
Bridge Denials & Clawbacks
Keep operating through denial waves, concurrent-review reversals, and retroactive take-backs that hit without warning.
Add a Level of Care or Location
Fund the staffing, licensure, and build-out for a new IOP, PHP, residential program, or site, before it starts billing.
Credentialing & Accreditation
Bridge the months between hiring or launching and the credentialing and CARF or Joint Commission approval that lets you bill.
EHR & Telehealth Technology
Finance the EHR, billing, e-prescribing, and telehealth systems your practice runs on, without pulling cash from payroll.
One Application. We Match You to the Funding That Fits.
Most practices we fund use working capital they can put toward anything. You don't need to know which product you want, apply once and we'll match you to what you qualify for.
Working Capital
Flexible funding for payroll, a denial wave, recruiting, or a new program. This is where most practices start.
Learn MoreBusiness Line of Credit
Revolving cash you draw on when collections lag or a denial spike lands, then repay as the reimbursements clear. Interest applies only to what you draw.
Learn MoreMedical AR & Invoice Factoring
Advance the cash tied up in your billed insurance and Medicaid claims. It's not new debt, just your earned revenue, sooner. Works best for clean, already-billed claims.
Learn MoreBusiness & SBA Loans
Lump-sum capital for a new level of care, an acquisition, or a real-estate or build-out project, when you want a longer, structured term.
Learn MoreEquipment & Technology Financing
For EHR and billing systems, telehealth and e-prescribing tools, and office build-out, with terms that spread the cost.
Learn MoreRevenue-Based Financing
Funding with repayment that flexes with your collections, easing off in a slow month instead of holding a fixed payment.
Learn MoreWhy Behavioral Health Practices Choose Us
We've funded behavioral health providers across the field, solo therapists and counseling groups, psychiatry practices, IOP and PHP programs, residential and detox, and MAT clinics, including the work some lenders shy away from. As private-equity platforms roll up the sector and bid up clinician pay, independents need capital that moves to compete.
For you, a cash-flow gap isn't an abstraction, it's a clinician you can't pay or a patient you have to turn away. Fast, flexible funding keeps your doors open and your schedule full.
See What You Qualify For- We understand payroll due before behavioral-health claims clear
- Comfortable with therapy, psychiatry, IOP/PHP, residential, and MAT
- Funding for payroll, denials, a new level of care, or credentialing
- Approval in 4 – 8 hours, not the weeks a bank takes
- Soft credit pull that won't affect your score
- All credit profiles considered
Simple Requirements to Get Started
If your practice has been operating for at least 6 months and generates $10,000 or more in monthly revenue, you're likely a fit.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
Behavioral Health Funding FAQs
What can a behavioral health practice use the funding for?
Anything the practice needs. Owners use Monera funding to make payroll, recruit and retain clinicians, bridge denials and clawbacks, open a new level of care like an IOP or PHP, cover credentialing and accreditation, finance EHR and telehealth technology, and fund acquisitions. You don't have to choose a product up front, you apply once and we match you to the funding you qualify for.
How much can a practice borrow?
Funding generally ranges from $10,000 to $500,000. The amount you qualify for depends mostly on your monthly revenue and how long you've been in business, not on a single credit score.
Can it help me make payroll while I wait on insurance or Medicaid?
Yes, it's the single most common reason practices come to us. Payroll is due every two weeks, but commercial claims can take 30 to 120 days, and Medicaid's prompt-pay rule still allows up to 90 days to pay 99 percent of clean claims. Working capital or a line of credit bridges that gap so payroll is never at the mercy of a reimbursement cycle.
Do you fund addiction treatment and substance-use programs?
Yes. Many lenders are wary of substance-use and MAT programs, we're not. We fund outpatient therapy and counseling, psychiatry, IOP and PHP, residential and detox, and MAT and addiction treatment centers. The work some lenders shy away from is work we understand.
Can it bridge a denial wave or a clawback?
Yes. Behavioral health claims are denied at the high end of the range, and authorizations granted up front can be reversed on concurrent review after care is delivered, with take-backs that land without notice. Working capital keeps payroll running and your schedule open while you appeal and rework those claims.
Can you fund a new IOP, PHP, or residential program?
Yes. A new level of care needs clinicians, licensure, build-out, and accreditation before it can bill a single claim, often a months-long pre-revenue runway. We can fund that runway, plus a credentialing-gap bridge so a new clinician or site can be paid while the paperwork that lets you bill catches up.
Do you need access to my patient records?
No. We fund your business based on your revenue and bank deposits, not your clinical records. You keep full control of patient confidentiality, including 42 CFR Part 2 for substance-use records, and nothing about our funding changes your HIPAA or Part 2 obligations.
Will this fix my denials or my reimbursement rates?
No, and we won't pretend otherwise. We can't change what a payer reimburses or stop a denial, behavioral health is underpaid and over-denied across the board. What we can do is give you the working capital to make payroll and keep your schedule open while you appeal denials and wait on slow reimbursement.
Can I use this alongside an SBA loan or AR financing?
Yes. Many owners pair fast working capital for an urgent, time-sensitive gap with an SBA loan for a planned expansion or AR financing for a clean book of claims. They solve different problems, and we'll help you find the right mix rather than push a single product.
Will applying affect my credit score?
No. Checking what you qualify for uses a soft credit pull that won't affect your score, and there's no obligation to move forward.
How fast can I get funded?
Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason owners choose us over a bank or an SBA loan, which can take weeks, too slow when payroll is due before a reimbursement batch clears or a clawback lands.
Do I need good credit or a long track record?
All credit profiles are considered. Most practices we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue. Your revenue and bank-deposit history matter more than a perfect credit score.
Specialized Funding
Other Business Types We Fund
We build dedicated funding guides for specific business types. Explore others below, or see the full Healthcare & Medical overview.
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