Industry
The deposit patterns, seasonality and timing that decide how funders read a file from a Canadian business in physiotherapy clinics.
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Short answer: Physiotherapy revenue mixes patient payments, insurer direct billing and motor-vehicle or workplace claims that settle on different timetables. Funders read the split between patient-paid and direct-billed visits, third-party settlement delays, practitioner pay and room utilization. Common uses are equipment, rooms and hiring.
Key facts
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Clinic revenue mixes patient payments, insurer direct billing and motor-vehicle or workplace claims that settle on different timetables.
Volume is fairly steady through the year, with dips around holidays and in mid-summer. Claims-based revenue can arrive in lumps that do not match when treatment happened.
A merchant cash advance suits a defined purchase. A revenue-share structure eases payments if claim settlements are irregular.
A physiotherapy clinic depositing about $85,000 a month asks for $35,000 for treatment equipment and a third practitioner room. At a 1.22 factor the payback is $42,700, a cost of $7,700. Over roughly 7 months that is about $290 per business day, or close to 7% of monthly deposits.
Every figure on this page is illustrative arithmetic in Canadian dollars. It is not an offer, a quote or a promise of approval.
Most clinics see patient card payments daily, insurer direct-billing settlements every week or two, and occasional large settlements from claims. Practitioners may be paid on a split, so payroll scales with volume. A reviewer reads whether the account smooths those patterns or whether a slow settlement week leaves the balance thin.
Canadian clinics deal with provincial regulators, private extended-health insurers and, in some provinces, public motor-vehicle insurance. Each pays on its own schedule. Listing who pays you, and how often, helps a reviewer read the statements quickly.
Having one-line answers ready, with the statements, is usually enough to move a file from questions to a decision.
Reviewed by the Merchant Fund Express team on October 12, 2026. Official pages checked as of that date.
Yes. Insurer direct-billing settlements that land in the business account are read as deposits.
A clinic with a few months of deposits can be reviewed, with fewer options than one with a year of history.
No. The review is on business bank statements, not patient records.
Educational information only. It is not legal, tax or accounting advice.
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