Carry rent, leases and staff through holiday weeks and deductible resets. Apply in 5 minutes with recent bank statements, no tax returns.
See My OptionsPT Slow-Season Funding
Visits dip, but fixed costs do not. We help PT clinics bridge seasonal slowdowns without cutting therapist 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.
A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified practices.
FICO from 500 considered, with your deposit pattern weighed carefully.
Your offer shows the full repayment amount before you accept, with no surprise costs after signing.
The schedule is laid out in your offer up front, so you can plan around busy and quiet months.
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 volume is rarely flat across the year. Many clinics notice patients postponing care when deductibles reset in January, cancellations climbing during holiday weeks, and summer travel thinning the schedule. Sports-focused practices may see the opposite pattern, quieter between seasons. Meanwhile rent, equipment leases, software and salaried staff keep costing the same every month.
Slow-season funding for physical therapy lets you carry fixed costs through the quiet stretch so you do not cut hours for therapists you will need again soon.
A quiet period can also be useful time. Some owners use funding to:
We review about three months of business bank statements. If those months include part of your slow season, that is normal; what we look for is a consistent pattern of insurance and patient deposits and a clear picture of your existing payments. The 5-minute application begins with a soft credit pull, FICO from 500 is considered, sole proprietors can apply, and tax returns are not required.
Funding ranges from $25,000 to $5,000,000, based mainly on deposits and existing obligations.
It also helps to note in your application when your quiet months usually fall, so the deposit pattern is easy to read.
Revenue-based financing ties payments to your incoming revenue, which some clinics prefer during uneven months. A line of credit works if you want to draw only in the slowest weeks. Either way, the full repayment amount and schedule are shown in your offer before you accept.
Plan ahead of the next dip and apply in about 5 minutes.
Seasonal dips are common in physical therapy. We look at the overall pattern of deposits and your existing obligations, not one quiet month in isolation.
Yes. Physician outreach, digital marketing and community events are reasonable uses alongside rent and payroll.
It depends on your pattern. Revenue-based financing follows revenue, while a line of credit lets you draw only when needed.
No. About three months of business bank statements and a short application are the core of our review.
Decisions move fast, with funding in as little as 24 hours for qualified clinics.
Yes. Sole proprietors can apply, including cash-based, in-home and mobile PT practices. We review your business bank deposits the same way we do for a multi-therapist clinic, and the amount depends mainly on deposits and existing obligations.
Example uses for illustration only.
A few moves make seasonal funding easier to get and to repay.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding