Behavioral Health Working Capital Loans
Working Capital Financing for ABA, IDD & Substance Use Treatment Providers
Even thriving behavioral health practices face short-term cash flow challenges. Whether you’re managing delayed reimbursements, hiring new staff, upgrading clinical software, or expanding service offerings, USMF offers fast, flexible working capital loans—without the need for personal collateral or extensive paperwork.
We specialize in serving independent ABA clinics, outpatient mental health centers, residential IDD facilities, and substance use treatment programs. Our behavioral health working capital programs provide critical financial support so you can stay focused on care delivery.
- Loan amounts available up to $3,000,000
- Competitive rates starting as low as Prime
- All credit profiles considered
- Fixed-rate terms available up to 10 years
- No personal or business collateral required (unsecured options)
- No prepayment penalties on select programs
- Rapid access to cash for payroll, marketing, expansion, or emergencies
- Minimal documentation required—streamlined application
- Use funds flexibly for operations, staffing, or clinical upgrades
