Digital mental health is shaped above all by clinician supply. The category grew off EAP demand and pandemic telehealth tailwinds and is now consolidating around platforms that can contract with payers and large employers at scale. Therapist and prescriber availability - by state licence, speciality, language, insurance panel - is the binding constraint, and any forecast that does not start from clinician hours runs in the wrong direction within a quarter.

The CFO work splits between clinician economics and contract economics. On the clinician side: utilisation, no-shows, group versus individual, retention by therapist cohort, W-2 versus 1099 comp, the cost of recruiting psychiatry. On the contract side: payer claims billing for therapy and psychiatry runs alongside PMPM employer contracts and DTC subscriptions, each with different recognition, AR aging and contribution margins. Prescribing platforms add controlled-substance reporting that flows into the close.

Flow provides financial modelling, FP&A and fractional CFO advisory to digital mental health companies across DTC therapy and coaching apps, employer and EAP platforms, payer-contracted therapy and psychiatry networks, condition-specific operators and child and adolescent care providers. Our startup CFO team turns clinician supply into FP&A and financial modelling a board can plan against.