Cover payroll and equipment while insurance claims catch up. Three months of statements, no tax returns, funding in as little as 24 hours if qualified.
See My OfferMerchant Cash Advance
Patients are seen today, reimbursements arrive later. A merchant cash advance helps PT practices close that gap.
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.
A 5-minute application, about three months of bank statements and no tax returns. Funding in as little as 24 hours for qualified clinics.
FICO 500+ considered. Your clinic's deposit history and obligations carry real weight.
Your offer lists the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer, so you can line it up with reimbursement timing.
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.
A physical therapy clinic can be fully booked and still feel short on cash. Treatment happens today, but insurance reimbursements can take weeks, and denials or resubmissions stretch that further. Payroll for therapists, assistants and front-desk staff does not wait. A merchant cash advance gives a clinic a lump sum based on its revenue so it can cover operating costs while claims work through the system.
We look at about three months of business bank statements. For a clinic, that means insurance deposits, patient copays, cash-pay sessions and any wellness or membership revenue. We also review existing obligations and time in business, and we consider FICO 500+. No tax returns are required, and we start with a soft credit pull.
We built this for established practices with steady deposits. Sole proprietors and single-therapist clinics can apply.
For larger equipment purchases, compare with equipment financing for physical therapy. For staffing gaps, see physical therapy payroll funding.
Clinics differ. A practice that depends heavily on insurance may show larger, lumpier deposits as batches of claims are paid. A cash-pay or concierge PT practice may show smaller, steadier daily deposits. Sports performance and wellness programs add another stream. We review whatever pattern shows up in your statements and ask about anything unusual, such as a large one-time reimbursement catch-up.
If a payer recently slowed down or changed its process, mention it. Context helps us understand dips in your deposits, and it helps you choose an amount and repayment schedule that fits how money actually arrives at your clinic.
A merchant cash advance provides funding in exchange for a portion of future revenue. Your offer shows the full repayment amount and how repayment is scheduled before you accept, with no surprise costs after you sign. Compare that schedule to your typical reimbursement cycle.
Funding ranges from $25,000 to $5,000,000, and qualified clinics can be funded in as little as 24 hours. Apply in about 5 minutes.
Yes. We review insurance deposits along with copays and cash-pay revenue in your business bank statements.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on deposits and existing obligations.
No tax returns are required. About three months of business bank statements are the main documents.
We start with a soft credit pull, which does not affect your score. FICO 500+ is considered.
Qualified businesses can be funded in as little as 24 hours.
Yes. Any business revenue deposited into your business bank account is part of the review.
Example uses for illustration only.
Clinics can strengthen their file with a few practical steps.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding