Physical therapy clinics invest in rehab equipment and space while insurance reimbursements arrive on a delay. Funding covers the gear, the build-out, and the working capital to bridge slow-paying payers.
What physical therapy clinics use funding for
- Rehab equipment: treadmills, tables, and modalities
- Clinic build-out and treatment space
- Bridging insurance and payer reimbursements
- EHR, scheduling, and billing systems
- Working capital and additional locations
How much can you borrow?
Physical therapy clinics typically borrow $20,000 to $400,000 — equipment financing for rehab gear, A/R financing and working capital for reimbursement gaps, term/SBA loans for expansion.
The cash-flow challenge for physical therapy clinics
Rehab equipment and clinic space are significant investments, and insurance reimbursements often lag treatment by weeks. Growing to a second location requires funding staff and space before the new caseload builds.
Tip: Treat payer reimbursements like receivables you can finance — it steadies cash flow between treatment and payment.
Best financing options
Rehab equipment fits equipment financing; reimbursement gaps suit A/R financing or a line of credit. Additional clinics suit a term loan or SBA loan.
Before you sign any offer, run the numbers through our business loan & MCA calculator to see the real APR and total payback.
Fund your PT clinic
Rehab equipment, build-out, or a second location — funding for growing clinics.
Check My Funding OptionsFrequently asked questions
How do PT clinics handle slow insurance payments?
A line of credit or A/R financing bridges the delay between treatment and reimbursement, so payroll and rent stay covered.
Can I finance rehab equipment?
Yes — treadmills, tables, and therapy modalities are financed as equipment, with the gear serving as collateral.