Merchant Fund Express
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Expansion Funding for Physical Therapy Practices

Open a satellite clinic, add a specialty or launch mobile PT. Apply in 5 minutes with about three months of statements and no tax returns.

Plan My Expansion

PT Practice Expansion Funding

Bring your care closer to more patients

Growth means buildout, equipment and new hires before new referrals pay off. We fund the up-front costs so you can open on schedule.

As fast as
24 hours

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.

Expansion funding for therapy owners

Move fast with less paperwork

A 5-minute application and recent bank statements. Funding in as little as 24 hours for qualified practices.

Credit flexibility

FICO from 500 considered, with your clinic's deposits weighed heavily.

Know the full cost first

The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.

A schedule you can model

Repayment is laid out in the offer up front, so you can plan it against your ramp timeline.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Growth paths for a physical therapy practice

Once a clinic's schedule is consistently full and referral sources are reliable, owners start looking at the next step. For some that means a satellite location closer to a referring orthopedic group. Others add square footage for a bigger gym floor, build out an aquatic therapy pool, or bring in a new specialty like pelvic health, vestibular rehab, pediatrics or sports performance. Some add in-home or mobile PT to reach patients who cannot travel.

Each path needs money before the new revenue arrives: buildout, equipment, licensing for new staff, credentialing time and marketing to referral partners.

What expansion funding pays for

ProjectTypical costs
Satellite clinicLease deposit, buildout, tables, front desk setup
New specialtyTraining, specialized equipment, private treatment rooms
Aquatic programPool equipment, heaters, accessibility features
Mobile PTVehicle, portable equipment, scheduling software

Plan for the credentialing gap

New therapists and new locations often take time to get credentialed with payers, and new referral relationships take time to build. During that ramp, your existing clinic's deposits carry the load. Before you accept funding, compare the repayment schedule in your offer with a realistic ramp timeline. Your offer shows the full repayment amount and schedule up front so that comparison is simple.

For machines and build-out equipment, equipment financing can be paired with working capital for staff and marketing.

How we decide

We review about three months of business bank statements and a 5-minute application, starting with a soft credit pull. FICO from 500 is considered, tax returns are not required, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000; for illustration, a practice with strong, steady payer deposits and few existing payments is generally positioned for a larger offer than a similar practice carrying several obligations. Qualified practices can be funded in as little as 24 hours.

Ready to grow? Apply here.

Frequently Asked Questions

Can I use expansion funding to open a second physical therapy clinic?

Yes. Lease deposits, buildout, equipment, staffing and opening marketing are common uses for a satellite location.

Does adding a specialty like pelvic health or vestibular rehab count?

Yes. Training, specialized equipment and private room buildout for a new specialty are typical expansion costs.

How do you account for credentialing delays?

Our offer depends on your current deposits. We recommend planning the repayment schedule alongside a realistic credentialing and referral ramp.

What documents are required?

About three months of business bank statements and a short application. No tax returns.

How much can a PT practice receive?

Funding ranges from $25,000 to $5,000,000, based mainly on deposits and existing obligations.

Is a soft credit pull used?

Yes. We start with a soft credit pull, and FICO scores from 500 are considered.

Satellite clinic $240,000.00
Aquatic program $175,000.00
Pelvic health suite $68,000.00
Mobile PT launch $85,000.00

Example uses for illustration only.

How to improve your chances

Practices that prepare these items usually have a smoother expansion.

  • Build a realistic credentialing and referral ramp
  • Get buildout and equipment quotes in writing
  • Keep the current clinic's deposits steady and visible
  • Recruit key therapists before signing a new lease

PT expansion funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Paperwork
Bank statements, no tax returns
Business plans and full financials
Decision
Fast, funding in 24 hours
Weeks to months
Credit
500+ FICO considered
Strong credit required
Credit check
Soft pull to start
Hard inquiry
Range
$25,000 to $5,000,000
Varies by bank

Open your next location with confidence

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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