Why physical therapy clinics in Hawaii qualify
Physical therapy clinics are classified under Offices of Physical Therapists, which is an eligible category. That takes industry off the table and leaves the same four things every file is read on: average daily balance against revenue, time in business, negative days and NSFs, and existing positions.
The cash-cycle problem
Insurance reimbursement on 30-60 day terms against fixed clinical payroll.
In Hawaii that usually means capital goes to equipment, build-out, an additional therapist, a second clinic, billing systems.
Steady; referral-driven.
What applies in Hawaii
Hawaii funds normally on every tier — no extra restrictions apply.
Most of this activity sits around Honolulu, Hilo and Kailua.
Vermont, North Dakota and South Dakota sit outside the lending area on every product. California and New York carry extra restrictions on the revenue-based tier.
State licensure applies. Licensing is not a funding threshold here, but an expired licence shows up in diligence.
The Hawaii economy runs on tourism and hospitality, and physical therapy clinics here largely track that base rather than the weather.
Hurricane exposure also means insurance premiums and business-interruption risk sit higher here than the national average, which shows up in fixed costs.
The published thresholds
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
Questions
Do you fund physical therapy clinics in Hawaii?
Yes. Physical therapy clinics are classified under Offices of Physical Therapists, which is an eligible category .
What credit score is needed?
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
How fast can funding arrive?
Same-day decision and next business day funding on a complete file — the application plus three months of business bank statements.
What if revenue is seasonal?
Steady; referral-driven. Underwriting reads the average and the deposit count, not the peak month.