Banking for urgent care centers
Lemma groups deposits by payer and keeps every location in one view, even when volume swings by season.
Book a demo
Lemma groups deposits by payer and keeps every location in one view, even when volume swings by season.
Book a demoCommercial payer EFTs
Grouped by payer as they land, so a slow remitter is visible within days.
Front-desk patient cards
Settle into the same account as insurance EFTs, tagged by location.
Occupational health direct bills
Tagged apart from payer and patient revenue as its own stream.
Medicare and Medicaid
Matched on arrival to the remittance that explains them.
Deposits grouped by payer so a slow remitter shows up in days, not at month end.
Deposit
One account per location or PC, consolidated at the MSO, with a sweep rule that funds each site.
QuickCare MSO
$742,580.60
$216,340.90
$178,920.15
$124,660.40
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 an urgent care center's cash flow usually catches, each one quiet enough that it looks fine until it doesn't.
A handful of commercial plans often make up most of the revenue, so when one slows down, the gap is immediate.
Lemma groups deposits by payer so a slow remitter is visible within days, not buried until month end.
Incoming deposit
Early in the year, payer EFTs drop while front-desk card volume rises, and the swing can look like a revenue problem when it's really a mix problem.
Lemma tags patient card revenue apart from payer EFTs, so the seasonal mix shows up clearly instead of looking like a shortfall.
Sweep rule
Patient card reserve •• 9042 → Operating •• 6214 when balance exceeds $4,000
$6,480.00
$216,340.90
Employer occupational health work is direct-billed outside the usual payer mix, and left untagged it blends into general revenue.
Lemma tags every occupational health payment apart from payer and patient revenue as it arrives.
Direct bill received
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.
Yes. Patient card payments settle into the same location account as payer EFTs, tagged separately so each stream is still reportable on its own.
No. Pricing is per entity, not per transaction, so a high-volume location costs the same as a quiet one.
Set a threshold once per location, and Lemma sweeps cash into the MSO account automatically when it is exceeded.
