Staff and equip a school, senior living, employer or sports contract before invoices pay. Apply in 5 minutes, no tax returns needed.
Fund the ContractPT Contract Funding
Contract clients often pay on net terms. We cover hiring, equipment and travel so you can start strong and stay staffed.
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 and recent bank statements. Funding in as little as 24 hours for qualified practices.
FICO from 500 considered. Your deposits drive much of the review.
The full repayment amount appears in your offer before you accept. No surprise costs after signing.
The schedule is laid out in your offer up front, so you can match it to invoice 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.
Some of the biggest opportunities in physical therapy come from contracts rather than individual referrals. A school district may need therapists for students, a senior living community may want on-site rehab, an employer may set up an on-site injury prevention program, and a local college or club team may want a dedicated sports PT. These agreements can bring months of steady work.
They also come with up-front costs. You may need to hire therapists or assistants, buy portable equipment, set up documentation workflows and cover travel before the first invoice is paid, often on net payment terms.
Saying no because the cash is not ready can mean the contract goes to a competing clinic for years, so timing matters.
If staffing is the heaviest part, our payroll funding for physical therapy page goes deeper.
We look at about three months of business bank statements to see how steady your current deposits are and what obligations you already carry. The contract matters for your planning, but the offer depends mainly on deposits and existing obligations. The 5-minute application starts with a soft credit pull, FICO from 500 is considered, tax returns are not required and sole proprietors can apply.
We fund from $25,000 to $5,000,000, with funding in as little as 24 hours for qualified practices.
Read the contract's invoicing and payment terms closely, then compare them with the repayment schedule in your offer. A business line of credit works well when invoices are paid in uneven chunks. Working capital fits a single ramp-up. Every offer shows the full repayment amount and schedule before you accept.
Landed the deal? Apply in about 5 minutes.
School district therapy, senior living rehab, employer on-site programs and sports team agreements are common examples.
Our decision rests mainly on your bank deposits and existing obligations. Having the contract terms handy helps you plan repayment.
Yes. Recruiting, onboarding and paying new staff during the ramp-up is one of the most common uses.
Decisions move quickly, and qualified practices can receive funding in as little as 24 hours.
No. We review about three months of business bank statements and a short application.
No. We review your own business's bank statements and application.
Example uses for illustration only.
These steps help a contract-driven request and its repayment go smoothly.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding