Financing for Psychiatrists & Psychologists

ARF Financial offers special financing options for psychiatry and psychology professionals structured specifically for the unique needs of those in the industry. Today, a psychiatry or psychology practice is up against ready-to-use mobile apps designed to provide mental health services at a moment’s notice. This means today’s psychiatrists and psychologists need special financing to help them compete against technological disruptors entering the industry. For this reason, ARF Financial has created financing products like our revolving line of credit, flex pay loans, and working capital loans. These loan products allow psychiatrists and psychologists to serve their markets and remain competitive.

Since 2001, ARF Financial has helped thousands of mental health practitioners obtain approvals on more than a billion dollars. Throughout the pandemic, psychiatrists and psychologists innovated to remain profitable, however, capital remains the key to overcoming short-term cash flow shortfalls to cover lease payments or seize long-term opportunities like adding a new location or moving to a nicer office space. Our psychiatry and psychology financing gives you access to the right loan products, and we can do it fast, funding your business loan in less than a week! When it comes to psychiatry and psychology financing, our team of seasoned loan consultants specialize in providing the trusted financial guidance you need to keep your business profitable and on track to achieve your long-term goals.

When choosing the right business lender, it’s important to compare loan size 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 size 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:

Completing an application only takes 10 minutes and won’t affect your credit.
Up to $2,500 in Rewards for New Clients!

New client relationships are very important to us, and should be rewarded. For a limited time, new borrowers will receive a $500 Amex Gift Card for every $50,000 they borrow up to $2,500 in gift cards. Offer ends 01/31­­­­/2024.*

*Available for new clients only (out of the program 120 days or more). Receipt of the Amex Gift Card(s) is conditional based upon the following: Merchant’s approval under ARF Financials’ standard underwriting models and policies. Merchant’s acceptance of an approved loan amount, rate and term; and merchant borrowing a minimum of $50,000 to receive a $500 Amex gift card and another $500 gift card for every additional $50,000 they fund before 01/31­­­­/2024. This offer is not guaranteed unless application is made by merchant, and merchant borrows in accordance with the guidelines provided herein. ARF reserves the right to terminate the offer at any time. Expires 01/31­­­­/2024.

What Makes ARF Financial Different?

Since 2001, ARF Financial has helped thousands of psychiatrists and psychologists like you secure over a billion dollars in loan proceeds! The financing we offer are true bank loans, not merchant cash advances. We do not require business plans, credit card receipts nor any receivables to secure your loan or line of credit. Our emphasis on close client relationships keeps your financial health at the forefront to ensure a high degree of customer satisfaction. We’re devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop and supplement your cash flow during slow, seasonal periods. Here are some valuable options to put our psychiatry and psychology financing to work in your business:

Renovate or remodel your office or waiting area

Purchase or upgrade equipment and technology

Provide additional training or hire new staff

Pay off more expensive outstanding debts

Bridge private carrier or Medicare/Medicaid insurance payments

Buy out a business partner or pay off investors

Overcome short-term cash flow difficulties

Take advantage of other business opportunities

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 and transparent terms. With ARF Financial, you’ll be able to capitalize on growth opportunities now and pay back your loan when you’re ready.

Minimum Qualifications


Industry Type

We lend to more than just restaurants. Over the years we’ve expanded our approved industry types. Click here to see the full list of industries.


Credit Score

We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 551 or higher.


Time in Business

Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).


Annual Sales

Your business must generate a minimum of $17,000 per month in gross sales ($200,000 annually) from both credit card and cash.

Get Approved Fast

If you are a psychiatrist or psychologist and are looking for working capital with the lowest payments possible, simply complete our online application today. There are 4 prequalification questions, 5 easy steps, and there is no hard credit pull so your credit will not be affected. Click here to get started. We also employ seasoned loan consultants who live and work in your area, who are knowledgeable about your specific market and will work side-by-side with you throughout the process.

Our Unique Loan Products


Bankroll – Revolving Line of Credit

Your business is always evolving. Wouldn’t it be great to have a loan product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit – BANKROLL, provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw funds on an unlimited basis!


Interest-Only Flex Pay Loan

We believe growing your business shouldn’t mean sacrificing your cash flow, and with ARF’s Interest-Only Flex Pay Loan it doesn’t. It allows you to quickly access from $50,000 to $750,000 and low, interest-only payments for up to 1 year. And, it also carries an optional Line of Credit with unlimited draws for up to a year!


Lines of Credit

With a Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses arise, you will be ready. It gives you 24-hour access to 5 separate loan drafts over a 6-month period. You can draw additional funds as needed and only pay for what you use!


Flex Pay Loans

Many merchants simply don’t dream big because they believe they can’t afford to borrow the funds needed to make those dreams real. Our Flex Pay loan solves that problem! Flex Pay allows your clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now!

Types of Financing for Psychiatrists & Psychologists

ARF Financial gives psychiatry and psychology practice owners the opportunity to choose from several financing options that best fit their business needs based on their unique circumstances. Our local loan consultants will help you determine which will work best for your specific needs while saving you the most money.

Working Capital for Psychiatrists and Psychologists

Psychiatrists and psychologists need access to consistent working capital. This has held true for every mental health professional we’ve spoken to since 2001. Working capital loans help finance the every day business operations with no hidden fees and without the payment fluctuations of a merchant cash advance. Our working capital loans fave fixed terms so the payments will never fluctuate and the interest is tax deductible so your loan costs even less in the long term.

Line of Credit for Psychiatrists and Psychologists

A line of credit is an approved loan amount extended to psychiatrists and psychologists allowing them to draw upon when the need arises. This type of financing gives practitioners the ability to pull funds from their line 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! Smart practitioners know that business conditions can change quickly and having access to committed working capital can fund growth opportunities and cover unexpected expenses and as they emerge. 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 Psychiatrists and Psychologists

Flex Pay Loans are perfect for psychiatrists and psychologists because they all you to borrow now, grow now, and pay later. Simply put, you can borrow what you need now to invest in opportunities for growth, and you won’t have to make payments until your project is completed! It gives you the ability to defer up to 50% of the loan’s principal into the future for more affordable payments now with the flexibility to pay it back when the time is right. This maximizes your cash flow while providing 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.

Bridge Loan for Psychiatrists and Psychologists

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 Financial 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 like 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 high returns. Mental health practitioners particularly in their early phases, frequently encounter opportunities for extreme growth, but often find themselves on the other side of a financial hurdle. Bridge Loans are an ideal solution to open the door to new opportunities.

SBA Loans for Psychiatrists and Psychologists

These loans are notoriously difficult to get approved. And if they are approved, it may take three to four months before a final decision is made and the loan is funded. ARF Financial can get you approved for financing in 24-48 hours with loan proceeds in your business account in as little as 3 days. If you are in the process of applying for an SBA loan and urgently need to take advantage of a business opportunity, our bride loan is the best option to help you capitalize on growth opportunities while waiting on your SBA loan.

Merchant Cash Advance

ARF Financial is not a cash advance company. The financing we provide is a true bank loan with competitive rates, fixed terms and without the long wait. While a merchant cash advance may provide quick access to cash, it has no fixed term and repayment is linked to your credit card sales which means payments are always fluctuating. A merchant cash advance can be extremely expensive if your sales are increasing. The higher your sales, the higher your payment and the faster the advance is paid back. Unlike a cash advance, pharmacy financing from ARF Financial has fixed terms and predictable payments that allow you to keep the additional profit generated from your hard work!

If you are a psychiatrist or psychologist looking for financing for your practice, we can help you get funds fast and with limited paperwork. That means the interest is tax deductible, rates are fixed, and you know the terms ahead of time. Mental health professionals get the financing they need, with manageable payments that won’t increase as revenue grows. Contact one of our local loan consultants or apply below to get started now.

Business Loan Calculator

Use our Business Loan Calculator to calculate loan amount!

Calculate Loan Amount

Use the sliders below to indicate annual sales, time in business and credit score.

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Time in Business
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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 individual and business bankruptcy. The use of this Loan Calculator tool is intended for illustrative purposes only and is not based upon any  information about the user and does not represent a specific loan offer or terms that may be accepted by the user.  A specific loan proposal can only be provided after completion of an application.  Please provide the requested contact information if you wish to be contacted by one of our loan consultants to receive a written quote.

Request a Custom Proposal

Enter your information below to receive a custom proposal from your local loan consultant containing loan amount, rate and term.

Terms and Conditions

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 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.

Quick & Easy Online Application

Use our online application to get approved in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit.

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