Draw when reimbursements lag, repay when they land, and keep your limit ready for the next gap. Apply in about five minutes.
See My LimitPT Business Line of Credit
A line of credit sits in the background until you need it. Use it for payroll gaps, a broken traction table, or a slow deductible season, then pay it down.
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. Funds in as little as 24 hours for qualified practices.
FICO 500+ considered. Steady deposits from payers and cash-pay patients help tell the story.
Your offer shows the full repayment amount before you accept, and nothing gets added after you sign.
The repayment schedule is laid out in your offer so you can match it to your billing cycle.
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.
Most therapy practices do not need a big pile of cash all at once. They need something to reach for when a workers' comp carrier sits on a batch of claims, when January deductibles reset and patient visits dip, or when a modality unit quits in the middle of a busy week.
A business line of credit gives you an approved limit you can draw against as those moments come up. You use what you need, repay it, and the available balance opens back up.
Here is a simple way to think about it:
| Situation | Better fit |
|---|---|
| Recurring timing gaps from payers | Line of credit |
| One planned project, like a new clinic buildout | Working capital |
| Specific machines or gym equipment | Equipment financing |
Still weighing it? Our line of credit vs. merchant cash advance comparison walks through the tradeoffs.
We look at about three months of business bank statements to understand your deposit rhythm: how reimbursement checks and EFTs arrive, how much comes from cash-pay patients, and what obligations already come out of the account. FICO 500+ is considered, and we begin with a soft pull.
No tax returns are required. Solo practitioners operating as sole proprietors can apply too.
The practices that get the most out of a line treat it as a bridge, not extra revenue. Draw for a known gap, like covering payroll until a large payer batch lands, then pay it back when that money arrives. That keeps the limit available for the next surprise.
It also helps to know your own patterns. If visits drop every December and January, or a particular auto insurer routinely takes longer to settle, you can plan draws around those dips instead of reacting to them. A line works best when it smooths the bumps you already know are coming and still leaves room for the ones you do not.
When you are ready, apply online in about five minutes.
You receive a credit limit, draw funds as you need them, and repay on the schedule laid out in your offer. As you repay, that amount becomes available to draw again.
Funding ranges from $25,000 to $5,000,000. Your limit depends mainly on your practice's deposits and existing obligations.
FICO scores from 500 are considered. Your deposit history carries real weight alongside your score.
Decisions move quickly, and funding can arrive in as little as 24 hours for qualified practices.
Your offer spells out the full cost structure before you accept, so you will know exactly how draws and repayment work with no surprise costs after you sign.
Example uses for illustration only.
These steps help your practice make the most of a line of credit.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding