Merchant Fund Express
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Equipment Financing for Physical Therapy

Add tables, modalities and gym equipment without draining the cash your clinic runs on. Five-minute application, soft credit pull.

Finance My Equipment

PT Equipment Financing

Better equipment, steady cash reserve

Spread the cost of new treatment gear over a predictable schedule, so your clinic can expand services while payroll and rent stay covered.

As fast as
24 hours

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.

Financing that fits a therapy clinic

Simple and quick

Apply in about five minutes with three months of bank statements. Funding in as little as 24 hours for qualified practices.

Room for imperfect credit

FICO 500+ considered. Your deposits and patient volume weigh in alongside your score.

Every cost on the table

See the full repayment amount in your offer before you accept, with no surprise costs after you sign.

A clear payment plan

Your repayment schedule is laid out in the offer up front, so you can line it up with the revenue the equipment brings in.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Equipment drives what your clinic can offer

The machines on your floor shape the care you can deliver and the patients you can attract. A clinic with an anti-gravity treadmill, a decent shockwave unit or a full strength room can take on post-surgical and sports cases that a bare-bones setup cannot. The problem is that this equipment tends to be expensive, and paying cash for it drains the reserve you rely on when payers run slow.

Equipment financing lets you spread the cost of that gear over time so cash stays available for payroll and rent.

Common purchases we see from therapy practices

If you are fixing gear that already broke rather than buying new, see physical therapy equipment repair funding.

Running the numbers on a new device

Before you buy, it is worth a quick back-of-the-napkin check. For illustration: if a new laser unit lets you add a handful of visits each week or keeps patients from going to a competitor across town, compare that added revenue to the repayment amount shown in your offer. If the device pays for itself with room to spare, it is likely a sound purchase. If it only works on optimistic assumptions, maybe wait.

We will show you the full repayment amount and schedule before you accept, so you can do that math with real figures.

What we need from you

About three months of business bank statements and a 5-minute application. A vendor quote helps us match the amount to the purchase. FICO 500+ is considered, there is a soft credit pull to start, and no tax returns are required. Sole proprietors can apply.

Have a quote in hand? Apply now and funding can arrive in as little as 24 hours for qualified practices.

Frequently Asked Questions

Can I finance used or refurbished PT equipment?

Often, yes. Plenty of clinics buy refurbished tables and modality units. Share the quote and we will look at it along with your deposits.

How much can I finance?

Funding runs from $25,000 to $5,000,000. The amount depends mainly on your practice's deposits and existing obligations, along with the cost of the equipment.

Do I need a down payment?

It depends on the offer. Whatever the structure, your offer will show the full repayment amount before you accept.

Can a new clinic finance equipment?

We are built for established businesses with steady deposits. If you have been depositing consistently for a few months, apply and we will review it.

Can I use the funds for installation or training?

Tell us what the full project includes. Installation and setup often come bundled in the vendor quote.

Hi-lo tables $26,000.00
Class IV laser $38,000.00
Decompression unit $47,500.00
Strength room $64,000.00

Example uses for illustration only.

How to improve your chances

A little preparation can make your equipment request easier to review.

  • Get a written vendor quote with model and price
  • Estimate added visits or services the equipment supports
  • Keep deposits flowing through one business account
  • Sell or retire idle equipment you no longer use

Equipment financing: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About five minutes
Multi-page loan package
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit usually needed
Speed
As little as 24 hours if qualified
Several weeks is common
Initial check
Soft credit pull
Hard pull up front

Equip your clinic for the patients you want

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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