Psychiatry/Psychology Financing

ARF Financial offers psychiatry/psychology financing options structured specifically for the unique needs of the Psychiatry/Psychology fields. Today, a psychiatry/psychology practice is up against ready-to-use mobile apps designed to provide psychiatry/psychology services at a moment’s notice. This means today’s psychiatry/psychology practice needs special financing to help them compete against technological disruptors entering the industry. For this reason, ARF Financial has created financing options like our flex pay loans, working capital loans, lines of credit and bridge loans. These psychiatry/psychology financing loan products allow psychiatrists and psychologists to serve their markets and remain competitive. Since 2001, ARF Financial has funded over 17,000 loans for psychiatry/psychology practices that need capital to compete with online disruptors. Throughout the pandemic, psychiatrists and psychologists innovated to remain profitable, however, capital remains the key to overcoming short-term cash flow shortages to cover leasing spaces or seizing long-term opportunities like adding a new location or paying fees to join an online service. Our psychiatry/psychology loans and lines of credit can provide you access to the right loan products, and we can do it fast, funding your business loan in as little as 5 days! When it comes to psychiatry/psychology financing, our team of professional financial consultants specialize in providing the trusted lending services you need to keep your business profitable and on track to achieve your long-term goals.

At ARF, our focus is to get you the working capital you need when you need it, all while providing seasoned guidance to help you maximize your return on investment. Confidently approach online psychiatry/psychology providers when you have the capital needed to make it happen.

We’re devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop. Here are some valuable options to put our psychiatry/psychology financing to work in your business:

Open a new location

Office improvements

Investing in new technology

Purchasing additional inventory & supplies

Investing in new marketing initiatives

Buy out a business partner

When choosing a business lender it’s important to compare loan amounts and repayment terms because…

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

You can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan amount is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won’t interfere with your cash flow!

Check out the comparison below.

The Difference is Insight

It Pays To Be Prepared

Psychiatry/Psychology practice owners know their online/mobile competitors are prepared for any eventuality so they too need need fast access to working capital as new opportunities and/or issues arise. ARF Financial will help you be ready for the unexpected  with our loans or line of credit from $5K to $500K to use for any business situation. With a line of credit, you only pay for what you use and it is tax deductible so you can comfortably borrow what you need exactly when you need it.

Renovate Or Remodel

Any psychiatrist or psychologist knows how long a traditional bank can take to process a business loan. And the cost of that loan makes it prohibitive to keep up with much needed remodels or renovations. Our Flex Pay Loan allows you to borrow now, grow now, and pay later! Flex pay allows you to defer up to 50% of your principal into the future for the lowest payments now! And, all our loans come with fixed rates, transparent terms, and no need for collateral. With ARF Financial, you’ll be able to capitalize on growth opportunities now and pay back your loan when you’re ready.

How to Qualify for Financing for your Psychiatry/Psychology Practice

  • Credit Score – Do you have a credit score of 551 or higher? Then you may qualify for our financing! Our local loan consultants can you walk you through the tiers you qualify for and show you all your financing options for your psychiatry/psychology practice.
  • Time in Business – Have you been in business for 12 months or longer? While we do focus on existing businesses, 12 months operations is sufficient to determine what financing your practice qualifies for. We do not finance startup psychiatry/psychology practices.
  • Bank Statements – We do ask for bank statements to determine your cash flow and overall health of your psychiatry/psychology practice. We do this by reviewing your business checking account.
  • Annual Sales – Do you have annual sales of $100,000 or higher? This is a crucial factor in determining if you qualify and how much psychiatry/psychology practice financing you qualify for.
  • Debt to credit ratio – The ARF Financial psychiatry/psychology practice financing requires an examination of your debt to credit ratio to qualify for our loans and lines of credit. If your practice is carrying too much debt, we will regularly offer to pay off competitor loans if your business qualifies. Maximum 2 competitors.

If you are a psychiatrist/psychologist looking for financing options such as a working capital loan or even a line of credit with guaranteed rates, fixed terms and affordable payments, simply begin your online application today. We have local loan consultants who are knowledgeable about your specific market and will work side by side with you throughout the process. Our online application is free and there are no hard credit pulls so your credit will not be affected.

Types of Psychiatry/Psychology Practice Financing

ARF Financial gives psychiatrists and psychologists the opportunity to choose from many business financing options that best fit their business needs based on their business model, operations and cash flow constraints. With many different types of loans and lines of credit, our local loan consultants will help you determine which will meet your business needs while saving you the most money for your business.

Working Capital For Your Psychiatry/Psychology Practice

Your psychiatry/psychology practice needs consistent working capital. This has held true for every psychologist and psychiatrist we have ever spoken to since 2001. Working capital loans help psychiatry/psychology practices finance their every day business operations with no hidden fees and no payment surprises of a merchant cash advance. Our working capital loans will help your psychiatry/psychology practice by having fixed terms so your payments will never fluctuate and the interest is tax deductible so your loan costs even less in the long term.

Line of Credit for Your Psychiatry/Psychology Practice

A line of credit is an approved loan extended to psychiatrists and psychologists which allows them to draw upon funds when the need arises. This type of psychiatry/psychology practice financing allows practitioners to pull funds from their line of credit as needed and only pay interest on the money they take. Psychiatrists and psychologists have 24-hour access to 5 separate loan drafts over a 6 month period. Funds can also be requested online! Practitioners know that business conditions can change quickly. Unexpected issues arise. Windows of opportunity open.  Thousands of psychiatrists and psychologists have learned that with a business line of credit from ARF Financial, they are prepared for anything.

Flex Pay Loans for Psychiatry/Psychology Practice

These are perfect loans for psychiatrists and psychologists because they help you borrow now and pay later. Simply put, you can borrow what you need now, renovate your practice now and you won’t have to make payments until you are operational again later!  It allows you to defer up to 50% of your loan’s principal into the future for more affordable payments now, and have the flexibility to pay it back when the time is right. This maximizes your cash flow while providing you the capital you need now! Further repayment flexibility allows you to amortize the deferred principal over time, roll it into the future, or simply refinance it.

Funding your Psychiatry/Psychology Practice with a Bridge Loan

Opportunities are plentiful right now for psychiatrists and psychologists. If you are experiencing strong growth but your bank is struggling to keep up with your funding needs, we have a solution.  ARF has a loan product that provides ‘bridge’ or ‘gap’ financing so you can proceed with your growth plans while you work with your bank to secure traditional funding sources such as an SBA loan. A Bridge Loan is a financial product that functions as a short-term amortizing loan to support projects or investments that are expected to generate returns. Small businesses like psychiatry/psychology practices, particularly in their early phases, frequently see the chance for extreme growth, but often on the other side of a financial hurdle. Bridge Loans are an ideal financial solution to open the door to new opportunities for psychiatrists and psychologists.

SBA Loans for Psychiatrists and Psychologists

These loans are notoriously difficult to get approved. And if they are approved, they take three to four months of application process before a final approval is issued and the loan then funded. ARF Financial can you approved for psychiatry/psychology practice financing in 24-48 hours and your loan can fund in 3-5 days. If you are in the process for SBA loans and urgently need to take advantage of a business opportunity, our Bride Loans are perfect to help you capitalize on growth opportunities while waiting on your SBA approval.

Merchant Cash Advance

ARF Financial is not a cash advance company. We offer real bank loans with low, fixed terms for those who qualify with the only difference being we can fund our loans much faster than a traditional bank. While cash advances help psychiatrists and psychologists with quick cash, this alternative form of financing has a different loan structure which is expensive with payments based on the practice’s daily credit card receipts. This means, if the psychiatry/psychology practice’s sales increases then the daily payment to the merchant cash advance company also increases escalating the interest rate while ensuring the cash advance company is paid sooner. Unlike a cash advance, psychiatry/psychology practice financing from ARF Financial allows a business owner to keep the additional profit generated from their hard work!


If you are a psychiatrist or psychologist looking for financing for your business, we can help you get a business loan fast without collateral and with limited paperwork. That means the interest is tax deductible, rates are fixed, and you know the terms ahead of time. Our practitioners get the financing they need, with manageable payments that won’t increase as revenue grows. Contact our local loan consultants or apply below to get started now.

Use our Psychiatry/Psychology Financing Loan Calculator to Find Out How Much You Qualify For:

Use our Loan Calculator to determine the potential loan amount you may qualify for. Move the sliders below to indicate your business’s annual sales, time in business, your credit score, whether you own a home, and if you’ve declared bankruptcy and the calculator will serve up your potential loan amount based on 12, 18, 24 and 36-month terms!

Annual Sales
Time in Business
FICO Score
Please select an option
Please select an option
Term Loan Amount
12 month
18 month
24 month
36 month

Loan amounts may be increased with the review of tax returns and financials. Time in Business – Must be operating under the same ownership and concept. Homeownership – Home must be in your name. Bankruptcy – Includes personal and business bankruptcy.


ARF Financial LLC is an exclusive third party originator and servicer of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the personal credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.

Receive an offer and approval for funds in 24 to 48 hours when you apply online!

It’s quick and won’t affect your credit!

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