Banking for physical therapy practices
Lemma takes unlimited free ACH, matches denials the day they land, and attributes collections to each therapist.
Book a demo
Lemma takes unlimited free ACH, matches denials the day they land, and attributes collections to each therapist.
Book a demoPayer EFTs at volume
Hundreds of small payer deposits a week, each matched to its remit automatically.
Workers' comp and auto checks
Mailed comp and auto carrier checks go through the lockbox and stay tied to the case.
Cash-pay wellness plans
Tagged apart from payer revenue as they land, so each shows up separately.
Per-therapist collections
Every visit's payment is attributed back to the treating therapist and clinic.
Hundreds of small payer deposits a week, each matched to its remit. Comp and auto carrier checks go through the lockbox and stay tied to the case.
Deposit
A virtual account per clinic or therapist without changing how payers pay you.
Motion Group MSO
$498,220.60
$156,440.20
$118,610.75
$74,330.10
Pay vendors by free ACH, send patient refunds as mailed checks from the dashboard, charge patient cards on file, and issue debit cards with per-card limits.
Bill pay
Mailed check, no post office
Up to 1.75% APY on every balance, FDIC coverage of $100M+ per entity through the sweep network, and Lemma Capital advances on claims you have already submitted.
Operating account
$212,480.00
Up to 1.75% APY
Three places a PT practice's cash flow usually catches, each one quiet enough that it looks fine until it doesn't.
Visits past the authorized cap get denied, but the denial doesn't surface until the remit arrives weeks later.
Lemma matches every denial to its claim the day it lands, so a cap gets caught before it compounds.
Incoming deposit
Workers' comp and auto carrier checks arrive by mail on their own schedule, and tracking which case each belongs to usually means opening envelopes by hand.
Lemma routes every comp and auto check through the lockbox and keeps it tied to the case.
Comp check received
Cash-pay wellness plan payments hit the same account as payer EFTs every day, and separating the two usually falls on a spreadsheet.
Lemma tags every cash-pay payment apart from payer revenue as it lands.
Collected by therapist
Deposits match against claims from your PM and clearinghouse. Custom integrations available. See all integrations.
5 min
to open
Up to 1.75%
APY
$100M+
FDIC
94%
auto-match
Business Banking
An account per entity, opened in five minutes.
MSO-PC Banking
Purpose built for multi-entity practice structures.
Lockbox
A separate lockbox address for every PC.
Remittance Reconciliation
Deposits matched to remittance automatically.
Lemma Capital
Working capital sized to your revenue.
Corporate Cards
Free virtual and physical debit cards with custom limits.
Integration
Connect your clearinghouse, EHR, and books.
Revenue Routing
Split shared deposits across every PC, daily.
Free for a single entity. Groups pay $50 per entity per month. ACH is free, wires are $15, lockbox envelopes are $2.50.
Deposits are spread across our partner bank network, extending coverage to $100M+ per entity.
No. Lemma is the bank. We read from those systems and send the matched data back.
No. ACH is unlimited and free, which matters for a practice taking hundreds of small payer deposits a week.
Yes. Every visit's payment is attributed to the treating therapist and clinic, so you can report collections per provider.
Each clinic gets its own account under the MSO, so payers keep paying the same way while you see every entity from one login.
