Cash sweeps

In healthcare billing, money often arrives in one account but needs to end up in another. Insurance payments land in a passthrough account that feeds the operating account. An MSO collects on behalf of its PCs and needs to distribute funds daily. A practice keeps a reserve threshold and sweeps the rest to a higher-yield account overnight. Cash sweeps handle all of this automatically. You define a rule once — which account to watch, how much to keep, where to send the excess, and when to check — and Lemma runs it on schedule.

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Creating a sweep rule

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When to use sweeps

• MSO-PC fund distribution — an MSO collects insurance payments centrally, then sweeps each PC’s share to their dedicated account at the end of each day
• Passthrough accounts — a lockbox account receives all inbound checks, then sweeps the balance to your operating account after keeping a small reserve
• Cash concentration — multiple practice locations each maintain a local account, and excess funds are swept nightly to a single treasury account

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Sweeping to another Lemma account

When both accounts are on Lemma, transfers settle instantly as book transfers at no cost. This is ideal for MSO-PC structures where the MSO and each PC both bank with Lemma. Select Another Lemma account, then pick the destination provider and account. If your organization only has one provider, the provider dropdown is skipped.

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Sweeping to an external account

You can also sweep funds to a bank account outside Lemma. Choose your transfer method based on urgency and cost:

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Setting the schedule

Each sweep rule runs on the days and times you choose. You can add multiple check times per day — for example, 9:00 AM and 5:00 PM — so excess funds are swept both when the business day opens and after the last deposits settle. ACH transfers only process during banking hours on business days. A sweep that triggers on a weekend or holiday will queue the ACH, but it won’t settle until the next business day. If you need funds to move over weekends, use RTP or FedNow instead. Both RTP and FedNow settle in seconds, any day of the week. Lemma remembers your timezone when you create a rule, so a 5:00 PM sweep always runs at 5:00 PM in your timezone. Team members who edit an existing sweep will not be able to change the timezone.

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Limits

Each sweep run can transfer up to $100,000. If the excess balance is larger than that, the remaining amount will be swept on the next scheduled run. Contact us at contact@getlemma.com if your practice needs higher per-run limits.

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Editing a rule

Click any row in the sweep rules table to open the editor. The form is pre-filled with the current configuration. Save Changes only activates when you have actually changed something, so you cannot accidentally save a no-op update.