Physical therapy clinics need equipment and space up front while insurance reimbursements arrive slowly. Physical therapy funding covers the gear and growth and smooths reimbursement timing so you can focus on patients.
What physical therapy clinic owners fund
- Equipment — tables, modalities, exercise and rehab gear
- Build-out — treatment rooms, gym space and reception
- Hiring — therapists, aides and front-desk staff
- Working capital — bridge insurance reimbursements
Reimbursements run 30–90 days. A line of credit or medical receivables factoring covers payroll and rent while insurance pays.
Funding options
Equipment financing and medical equipment financing cover rehab gear; SBA loans and acquisition loans fund opening or buying; a line of credit and medical factoring bridge reimbursements.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | 6+ months (startup options for equipment) |
| Monthly revenue | $10,000+ for revenue-based options |
| Credit score | No minimum on many programs |
| Documents | Application + 3 months bank statements |
Frequently asked questions
Can a physical therapy clinic get a business loan?
Yes. Equipment financing covers rehab gear, and SBA or term loans fund build-out and expansion.
How do PT clinics handle slow insurance reimbursements?
A line of credit or medical receivables factoring bridges the gap between treating patients and getting paid.