Equipment down, payroll short, or claims delayed? Apply in 5 minutes and qualified clinics can be funded in as little as 24 hours.
Check My OptionsPhysical Therapy Emergency Funding
An emergency in a PT clinic usually means lost visits. We review your deposits, not your tax returns, so you can get a decision quickly and keep treatment rooms open.
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 about three months of bank statements. Qualified clinics can be funded in as little as 24 hours.
FICO 500+ is considered. We weigh your payer deposits and cash flow alongside your score.
Your offer shows the full repayment amount before you accept. No surprise costs appear after you sign.
The repayment schedule is laid out in the offer, so you can plan it around payer deposit cycles.
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.
Physical therapy practices run on a lag. You treat the patient today, bill the payer, and the money shows up weeks later. That works until something breaks: the HVAC unit in the gym fails in July, a treadmill or traction table goes down, a key PT gives notice and you need to cover locum or overtime costs, or a payer delays a batch of claims. Emergency funding exists for that gap between what the clinic needs now and when the deposits arrive.
We work with established clinics that have steady deposits. You fill out a 5-minute application, we start with a soft credit pull, and qualified practices can see funding in as little as 24 hours.
Underwriting starts with your business bank statements, usually about three months. We want to see how money moves through the account: insurance remittances, patient copays, cash-pay sessions, and the regular outflows for payroll and rent. We do not ask for tax returns.
Not every urgent need fits the same structure. A one-time repair is different from a payroll gap you expect to repeat.
Fast money should still be clear money. Every offer shows the full repayment amount and the repayment schedule before you accept, so you can compare it against the cost of the emergency itself: lost visits while a room is closed, patients rebooked elsewhere, or a therapist you can't afford to lose. If the numbers don't work for your clinic, you can walk away.
Solo practitioners and sole proprietors can apply too. Funding ranges from $25,000 to $5,000,000, and the amount depends mostly on your deposits and what you already owe.
Decisions move quickly once we have your bank statements. Qualified clinics can be funded in as little as 24 hours.
Funders look at the overall pattern of deposits. Payer timing is normal in therapy, so steady remittances over several months count for more than one slow week.
Yes. Sole proprietors can apply. We look at the business bank account and deposit history the same way.
About three months of business bank statements and the short application. No tax returns are required.
We start with a soft credit pull, so checking your options does not begin with a hard inquiry.
Example uses for illustration only.
A few steps can make an emergency request smoother for your clinic.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding