Pay therapists, add equipment and open new clinics while reimbursements catch up. Established PT practices can get $25,000 to $5,000,000.
Check My OptionsPhysical Therapy Cash Flow
Sessions happen today, claims pay later. Apply in about five minutes with three months of bank statements and see a clear offer.
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.
About three months of bank statements and no tax returns. Qualified clinics can be funded in as little as 24 hours.
Steady clinic deposits count alongside your credit history.
Your offer shows the total repayment amount, and no surprise costs are added after you sign.
The schedule is in your offer, so you can plan it next to 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 earns by the visit. A full schedule of evaluations and follow-ups looks great on the calendar, but most of that revenue arrives later through insurance, workers' compensation or auto claims. Prior authorizations, visit caps and documentation reviews can slow payments further. Meanwhile, therapists, aides and front desk staff are paid every pay period. Physical therapy cash flow is mostly about managing the distance between the session and the deposit.
| Pressure | What it looks like |
|---|---|
| Payer delays | Claims pending for authorization or documentation |
| Cancellations | Empty slots with a therapist already on the clock |
| Seasonal dips | Holiday weeks and deductible resets early in the year |
| Equipment | Treatment tables, modalities, gym equipment, EMR software |
| Growth | New therapist hires and satellite clinics |
Funding makes most sense for a defined need. Hiring a therapist ahead of demand is a common one; see payroll funding for PT clinics. Opening a second location is another; see expansion funding.
Many clinics see collections soften early in the calendar year, when patients have new deductibles and pay more out of pocket or delay care. Plan for it. Build a cushion in the fall, offer clear payment options, and be careful about large purchases in the first quarter unless the cash is already set aside.
Commercial insurance, government plans, workers' compensation, auto claims and cash-pay patients all pay on different timelines. Track what share of visits each represents and how fast each actually pays. A shift in the mix often explains a tight month better than visit volume does.
Established PT clinics with steady deposits can access $25,000 to $5,000,000. We review about three months of business bank statements, consider FICO 500+, and do not require tax returns. The application takes about five minutes and starts with a soft credit pull.
Your offer lists the full repayment amount and schedule before you accept. Qualified clinics can be funded in as little as 24 hours. Apply now.
Yes. All revenue deposited into your business account appears in the statements we review, whatever the payer.
Many clinics use working capital for that. Your offer shows the repayment schedule up front so you can weigh it against the expected ramp.
Yes. Equipment financing for PT clinics covers tables, modalities and rehab equipment.
No. About three months of business bank statements and a five-minute application are the starting point.
We begin with a soft credit pull, which does not affect your score.
Example uses for illustration only.
These steps help a PT clinic collect faster and look stronger to funders.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding