FICO 500+ considered. We weigh your clinic's deposits, not just your score. Soft credit pull to start.
See My OptionsPT Funding With Low Credit
If a personal credit hit is holding your practice back, we take a closer look at how reimbursements and patient payments flow through your business account.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Five-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified practices.
FICO 500+ considered. Steady deposits from payers and patients carry real weight.
Your offer lists the full repayment amount up front, with no surprise costs after you sign.
The schedule is laid out in your offer, so you know what is coming out and when.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Plenty of therapy practice owners have bruised credit for reasons that have nothing to do with how the clinic performs. Student loans from a DPT program, a costly divorce, medical bills, or a rough stretch opening the first location can all pull a personal score down. Banks tend to stop the conversation there.
We look further. FICO scores from 500 are considered, and the deposits your practice generates carry a lot of weight in how we evaluate a request.
Credit is one input. We also look at:
None of these is judged in isolation. A lower score paired with steady deposits reads differently than a lower score paired with erratic ones. For more on how these factors play out, see how physical therapy practices qualify.
Depending on your situation, a merchant cash advance, revenue-based financing or a working capital offer may be the right match. Each one is reviewed mainly on how your practice brings in money. Your offer will show the full repayment amount and schedule before you accept.
Funding can solve a near-term problem, but rebuilding credit makes every future conversation easier. Many owners set up autopay on personal cards, get on a plan for any medical or student debt in collections, and pull their free credit reports to catch errors. On the practice side, cleaning up claim denials and keeping a small cushion in the operating account both show up in your bank statements the next time you apply.
The application takes about five minutes and starts with a soft credit pull, so checking does not affect your score. You will need about three months of business bank statements. No tax returns are required, and sole proprietors can apply. Apply here to see what is available.
FICO scores from 500 are considered. Your score is weighed alongside your practice's deposits and existing obligations, so no single number decides the outcome.
No. We begin with a soft credit pull, which does not affect your credit score.
We review each file on its own. Recent history is weighed along with your deposits, so apply and we will look at the full picture.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on deposits and current obligations.
That depends on the product and how it is reported. Ask us when you review your offer so you know what to expect.
Example uses for illustration only.
These steps can strengthen your next funding request, whatever your score.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding