Merchant Fund Express
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Inventory Funding for Physical Therapy Clinics

Stock tape, bands, electrodes, braces and retail recovery gear without draining payroll cash. 5-minute application, no tax returns.

Stock My Clinic

PT Clinic Inventory Funding

Have the right brace on the shelf every time

Buy supplies in volume and keep DME in common sizes. Repayment comes from the deposits your clinic already generates.

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.

Inventory funding sized for PT clinics

Fast and low on paperwork

About three months of statements and a 5-minute application. Funding in as little as 24 hours for qualified clinics.

Credit is one factor of many

FICO from 500 considered. Steady payer and patient deposits carry weight.

See every dollar of repayment

Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.

Repayment laid out ahead

The schedule is in the offer up front, so supply costs fit cleanly into your monthly plan.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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.

Supplies add up faster than most owners expect

Physical therapy is not usually thought of as an inventory business, but clinics go through a steady stream of supplies. Resistance bands, kinesiology tape, electrodes, ultrasound gel, hot and cold packs, table paper, foam rollers and exercise balls all need restocking. Many clinics also dispense braces, orthotics, TENS units and other home-care items, some of which are billed to insurance and paid back weeks later.

Inventory funding for physical therapy lets you order in volume, keep popular items on hand and avoid sending patients elsewhere for a brace you could have fitted that day.

Smart ways to use inventory funding

Track what moves before you buy deep. A shelf of slow sellers ties up cash just like an unpaid claim.

How we review a PT clinic

The process starts with a 5-minute application and about three months of business bank statements. We look at the rhythm of your deposits from payers and patients, plus any obligations you are already paying. There is a soft credit pull to start, FICO from 500 is considered, and tax returns are not required. Sole proprietors can apply.

We fund from $25,000 to $5,000,000. The amount depends mainly on deposits and existing obligations, and qualified clinics can be funded in as little as 24 hours.

Choosing a structure for ongoing orders

Supply orders repeat, so a business line of credit often fits: draw for each order and pay it down as revenue comes in. A merchant cash advance can suit clinics with strong card and cash-pay volume. The full repayment amount and schedule are spelled out in every offer before you accept.

Apply now to see what your clinic's deposits support.

Frequently Asked Questions

What counts as inventory for a PT clinic?

Consumables like tape, bands and electrodes, plus braces, orthotics, TENS units and retail recovery items you sell or dispense.

Can I fund DME that I bill to insurance?

Yes. Funding can cover the purchase up front while you wait for reimbursement on items you bill.

Is a line of credit or a lump sum better for supplies?

Frequent small orders usually fit a line of credit. One large stock-up may fit a single working capital amount.

Do you need tax returns?

No. About three months of business bank statements and a short application are what we review.

How fast is funding?

Decisions move fast, and qualified clinics can be funded in as little as 24 hours.

Can a mobile or home-health PT apply?

Yes. Sole proprietors and mobile practices can apply based on their business bank deposits.

Braces and supports $30,000.00
Bulk consumables $25,500.00
TENS units $34,000.00
Retail recovery wall $27,000.00

Example uses for illustration only.

How to improve your chances

A little preparation goes a long way on an inventory request.

  • Review which supplies and DME sizes actually move
  • Keep payer and patient deposits in one account
  • Get distributor quotes before you apply
  • Clear up denied DME claims to steady deposits

PT inventory funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms and meetings
Documents
Bank statements only
Tax returns and AR aging
Credit
500+ FICO considered
Strong credit expected
Speed
As little as 24 hours
Weeks to close
Owner type
Sole proprietors welcome
Often prefer larger clinics

Keep your clinic stocked and ready

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

Apply for Funding
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